Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs XTB
Mintos vs XTB: the differences
| Compare |  Mintos |  XTB |
|---|---|---|
| Minimum deposit | €50 | €0Lower |
| Inactivity fee | €4.90Lower | €10 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Latvijas Banka, LV LV | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Web, iOS, Android | XStation 5, XStation Mobile |
| Stock trade fee | Not confirmed | €0 |
| Retail accounts that lose money | Not confirmed | 77% |
| Maximum retail leverage | Not confirmed | 1:30 |
| Interest on cash | 2.5% | Not confirmed |
Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000), Currency conversion fee (0.5%).
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Key differences
- XTB scores higher overall: 9.3 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2015.
- XTB is licensed in 2 more countries.
- Minimum deposit is lower at XTB: €0 vs €50.
- Inactivity fee is lower at Mintos: €4.90 vs €10.
- Markets: only Mintos offers Bonds.
- Markets: only XTB offers Stocks, Forex, CFDs.
- Platforms: only Mintos offers Web, iOS, Android.
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.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Mintos | XTB |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.1Higher |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.3Higher |
| Trust | 9.0 | 9.6Higher |
How they place
| Ranking | Mintos | XTB |
|---|---|---|
| Stock and ETF brokers | 9 of 490 | 3 of 490 |
Licences and countries
| Country | Mintos | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
What we checked
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
XTB
- xtb.com: 10 facts, checked September 26, 2026
- hello-brokers.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 1 fact, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Mintos | XTB |
|---|---|---|
| Features | Crypto, Mobile app | Demo account, Mobile app, CryptoCovers more |
| Pricing model | Commission free | Commission free, Low feesCovers more |
| Audience | Not confirmed | Beginners |
| Legal entity | SIA Mintos Payments | XTB Limited |
| Headquarters | Latvia | Cyprus |
| Founded | 2015 | 2002Lower |
| Support channels | Email, Help centre, Community | Email, Chat, Phone |
P2P lending
| Fact | Mintos | XTB |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | XTB | Median |
|---|---|---|---|
| Minimum deposit | €50highest quarter | €0below the median | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €4.90above the median | €10above the median | €0 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 70.375% |
| Currency conversion fee | 0.5%above the median | 0.5%above the median | 0.4% |
Median across 38 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
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
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
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
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.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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