Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Webull
Where Mintos and Webull differ
| Compare |  Mintos |  Webull |
|---|---|---|
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Options, Futures, Crypto, Bonds, FundsCovers more |
| Regulators | Latvijas Banka, LV LV | FINRA, SEC, SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | $0 incoming stock transfer |
| Platforms | Web, iOS, Android | Desktop, Mobile, Web |
| Minimum deposit | €50 | Not confirmed |
| Stock trade fee | Not confirmed | $0 |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €4.90 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Options contract fee | Not confirmed | $0 |
| Account types | Not confirmed | IRA |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Webull scores higher overall: 9.6 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Webull offers FINRA, SEC, SIPC.
- Markets: only Webull offers Stocks, Options, Futures.
- Platforms: only Mintos offers iOS, Android.
- Platforms: only Webull offers Desktop, Mobile.
- Support channels: only Mintos offers Community.
- Support channels: only Webull offers Phone.
- Features: only Webull offers Demo account, Fractional shares, Options.
Our verdict on each
Mintos
Mintos is a cheap, commission-free platform for lending money to businesses through their loan marketplace, with an account fee of €0 and a secondary market for exiting early. It suits investors who want lending exposure in euro-denominated loans rather than a share dealing account, and accept that the money carries borrower default risk.
Webull
Webull suits US retail investors who want a single app for stocks, options, futures, crypto and retirement saving, and the fee line is the draw: a stock trade costs $0. Investor protection is SIPC up to USD 500,000, though the account range is narrow.
Score breakdown
| Area | Mintos | Webull |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.7Higher |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.3Higher |
| Trust | 9.0 | 9.8Higher |
Positions in our rankings
| Ranking | Mintos | Webull |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 45 of 471 |
Sources behind this comparison
Mintos
- mintos.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- help.mintos.com: 1 fact, checked September 26, 2026
Webull
- webull.com: 9 facts, checked September 26, 2026
- brokercheck.finra.org: 2 facts, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Webull |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Demo account, Fractional shares, Options, Futures, Mobile appCovers more |
| Pricing model | Commission free | Commission free |
| Legal entity | SIA Mintos Payments | WEBULL FINANCIAL LLC |
| Headquarters | Latvia | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre, Community | Email, Phone, Help centre |
P2P lending
| Fact | Mintos | Webull |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Webull | Median |
|---|---|---|---|
| Minimum deposit | €50above the median | Not confirmed | €1 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | €0at the median | Not confirmed | €0 |
| Inactivity fee | €4.90above the median | Not confirmed | €2.45 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| Options contract fee | Not confirmed | $0lowest quarter | $0.625 |
Median across 91 listed brokers.
Pros and cons
Mintos
Pros
- The account fee is €0, and Mintos ranks at 1 of 138 brands on that measure
- Investing is commission-free, and the minimum investment is €50
- A secondary market is available, so loans can be sold before they mature
Cons
- Card deposits cost Free bank transfer withdrawal; 2% card deposits, so topping up is dearer than a bank transfer
- An inactivity fee of €4.90 applies, against an inactivity fee position of 33 of 56
- The minimum deposit of €50 sits far above a site minimum deposit median of €4.64
Webull
Pros
- A stock trade costs $0 and an options contract $0 on the ira account.
- Investor protection is SIPC up to USD 500,000, with registration under FINRA, SEC and SIPC.
- A single app covers stocks, etfs and options, so shares, bonds, funds, options, futures and crypto sit together.
Cons
- Support runs on email, phone and help centre, with no live chat listed.
- Account choice is narrow, with ira the only type listed.
- Across the brokers compared, the middle retail loss share is 70.15% and the top of the range 88%.
Who each suits
Mintos
Who it suits
- Investors who want to lend to businesses and earn a target return of 9.2%
- Lenders who want a secondary market to sell a loan before it matures
- Euro-based investors who accept that defaults can reduce returns
Who should look elsewhere
- Share traders, who should look at eToro with a commission-free model and a wider market list
- Anyone wanting to start with a very small sum, since CFI takes a minimum deposit of $0
- Lenders who need a guaranteed buyback, as the return of 9.2% is a target rather than a promise
Webull
Who it suits
- US retail investors who want stocks, options, futures and crypto under a single login
- Beginners using the demo account in crypto, demo account and fractional shares before committing money
- Retirement savers who want $0 stock trades in the same app
Who should look elsewhere
- eToro, if you want forex and CFDs, since stocks, etfs and forex include them
- CFI, if your focus is forex and CFDs rather than stocks, etfs and options
- Vantage, if you trade metals and CFDs, which its forex, cfds and stocks cover
Country by country
| Country | Mintos | Webull |
|---|---|---|
| United States | No | Yes |
Questions about each
Mintos
What fees does Mintos charge on an account?+
The account fee is €0, and the platform is commission-free, so there is no dealing charge on an investment. The charges that apply are a currency conversion fee of 0.5%, card deposit costs set out as Free bank transfer withdrawal; 2% card deposits, and an inactivity fee of €4.90.
How much do I need to put in to start lending?+
The minimum deposit is €50, and the smallest single investment is €50. The two figures are close, so funding to the deposit minimum is enough to purchase a loan. For scale, the site median for a minimum investment is €25.
Webull
What does it cost to trade?+
A stock trade costs $0 and an options contract $0, on the ira account. The pricing model is commission free, and incoming stock transfers are free. Costs stay low, though they do not decide whether a trade makes money.
Is my money protected if the firm fails?+
Accounts sit with WEBULL FINANCIAL LLC. Investor protection is SIPC up to USD 500,000, and registration with FINRA, SEC and SIPC applies, with SIPC membership listed as SIPC member 71394. Low costs do not change that, so weigh the retail loss figures before you trade.
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