Updated September 29, 2026 · SumCue Editorial Team
Bitpanda vs Mintos
Bitpanda
Mintos
Higher score in this comparison
Where Bitpanda and Mintos differ
| Compare | BitpandaReviewVisitVisit | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | €1Lower | €50 |
| Markets | Stocks, ETFs, Crypto, Metals | Bonds, ETFs, Crypto |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Latvijas Banka, LV LV |
| Currency conversion fee | 0%Lower | 0.5% |
| Deposit and withdrawal fees | Free deposits | Free bank transfer withdrawal; 2% card deposits |
| Stock trade fee | €1 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Mintos scores higher overall: 9.2 vs 9.1.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Bitpanda is licensed in 2 more countries.
- Minimum deposit is lower at Bitpanda: €1 vs €50.
- Currency conversion fee is lower at Bitpanda: 0% vs 0.5%.
- Markets: only Bitpanda offers Stocks, Metals.
- Markets: only Mintos offers Bonds.
- Support channels: only Mintos offers Email, Community.
- Features: only Bitpanda offers Fractional shares, Demo account.
Our verdict on each
Bitpanda
Bitpanda suits beginners who want stocks, crypto and metals in one app and can start small. Its cost score of 4.6 reflects a flat €1 stock trade fee, free deposits and a low entry point, though the protection cap is modest.
Mintos
Mintos suits savers who want a euro account that pays interest on cash and holds investments in the same place. The account fee is €0 and the minimum deposit €50, so the running cost is thin, while an inactivity fee of €4.90 catches balances left untouched.
Score breakdown
| Area | Bitpanda | Mintos |
|---|---|---|
| Cost | 9.2HigherStock trades cost €1 a share, deposits are Free deposits, and the entry point is €1. | 8.9A €0 account fee and bank transfers at no cost keep the base low, with €4.90 for inactivity and 0.5% on conversion. |
| Offer | 8.7 | 9.1HigherBonds, ETFs and crypto sit in bonds, etfs and crypto, cash pays 2.5% and entry starts at €50, a compact mix for a small saver. |
| Trust | 9.3 | 9.4Higher |
Side by side, item by item
| Markets | Bitpanda | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Metals | Yes | No |
What we checked
Bitpanda
- bitpanda.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Mintos
- mintos.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | Bitpanda | Mintos |
|---|---|---|
| Investing | 17 of 654 | 14 of 654 |
| Stock and ETF brokers | 11 of 358 | 10 of 358 |
| Trading platforms | 8 of 24 | 7 of 24 |
Every fact side by side
| Fact | Bitpanda | Mintos |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Crypto, Mobile app |
| Pricing model | No annual fee | Commission free |
| Legal entity | Bitpanda GmbH | SIA Mintos Payments |
| Headquarters | Austria | Latvia |
| Founded | 2014 | Not confirmed |
| Support channels | Help centre | Email, Help centre, CommunityCovers more |
Credit cards
| Fact | Bitpanda | Mintos |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | 1% cashback on crypto asset spending | Not confirmed |
| Perks | 1% cashback on crypto asset spending | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card kind | Credit | Not confirmed |
Debit cards
| Fact | Bitpanda | Mintos |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Not confirmed |
| Custody | Custodial | Not confirmed |
Savings
| Fact | Bitpanda | Mintos |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Instant access, trading 24/7, funds tradeable anytime | Not confirmed |
| Account kind | Easy access | Not confirmed |
Crypto exchanges
| Fact | Bitpanda | Mintos |
|---|---|---|
| Coins listed | from 650 | Not confirmed |
| Exchange type | Cex | Not confirmed |
Crypto wallets
| Fact | Bitpanda | Mintos |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Coins supported | 650 | Not confirmed |
Where each stands against the rest
| Fact | Bitpanda | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €50highest quarter | €1 |
| Stock trade fee | €1below the median | Not confirmed | €1.50 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Currency conversion fee | 0%below the median | 0.5%above the median | 0.4% |
| Interest on cash | Not confirmed | 2.5%below the median | 2.875% |
Median across 80 listed providers.
Pros and cons
Bitpanda
Pros
- You can start with €1, so a small amount opens the account and the entry point sits well inside the field.
- Stock trades cost €1 a share, a flat price you can work out before you deal.
- Deposits cost Free deposits, so moving money in does not eat into your first investment.
Cons
- Investor protection stops at EU ICS up to EUR 20,000, so a large portfolio can sit above the cap.
- Support runs on help centre only, so a question that needs a person has no listed route.
- The crypto side alone lists from 650 coins against a field median of 71.5, and custodial custody means the keys are not yours.
Mintos
Pros
- The account fee is €0, so holding a balance open costs nothing month after month.
- The dealing model in commission free means no charge on each trade, and bonds, etfs and crypto puts bonds, ETFs and crypto in the same place.
- Cash parked on the platform earns 2.5%, so idle money still pays while you decide.
Cons
- An inactivity fee of €4.90 can be charged on a balance left unused, so a forgotten account still costs money.
- Money in and out is uneven: Free bank transfer withdrawal; 2% card deposits, so card top-ups cost where a bank transfer does not.
- Converting currency runs at 0.5%, which is the fee to watch if you hold money outside the euro.
Who each suits
Bitpanda
Who it suits
- Beginners building a first portfolio from spare monthly savings
- People who want stocks, crypto and metals in one app
- Anyone who prefers a fixed share price over percentage dealing fees
Who should look elsewhere
- Anyone holding more than EU ICS up to EUR 20,000, where the cap is too low
- Investors who want to hold their own keys rather than custodial custody
- People who need phone or email support, since help runs on help centre only
Mintos
Who it suits
- Savers in the euro area who want cash interest alongside bond, ETF and crypto holdings without paying per trade.
- People who prefer one place for money and markets, using the mobile app in crypto and mobile app and the platforms in Web, iOS and Android.
- First-time investors who would rather not pay a commission on every trade and start from €50.
Who should look elsewhere
- Not for people who want a smaller first transfer than €50: bunq lists a minimum deposit of €10.
- Not for traders who are content to start with nothing: CFI has a minimum deposit of $0.
- Not for people weighing a Mexican lender: Fiesta Credito MX is listed with CONDUSEF rather than the Latvijas Banka register here.
Questions about each
Bitpanda
What is the minimum I need to open a Bitpanda account?+
You can start with €1. That is a small enough figure to test the platform before committing real money, and the account is easy access, so you are not tied into a term. A first deposit can be made straight away at no charge.
How much does it cost to buy shares?+
A stock trade costs €1 per share. Because that is a flat price rather than a percentage, the cost does not rise as your order gets larger, which suits a beginner making a handful of larger buys. Very small orders can cost more per share in relative terms.
Mintos
Does Mintos charge a monthly account fee?+
No. The account fee is €0, so keeping the account open costs nothing in monthly charges. The costs that do apply are the inactivity fee of €4.90, the currency conversion charge of 0.5% and a fee on card deposits.
What happens if I leave my account untouched?+
An inactivity fee of €4.90 can be charged on a balance that sits unused, so keep a little activity or move the money out before it costs you. The account fee of €0 keeps applying while the account is open.