Updated September 29, 2026 · SumCue Editorial Team
Kraken vs Mintos
Kraken
Higher score in this comparison
Mintos
What sets them apart
| Compare | KrakenReviewVisitVisit | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | $1 | €50 |
| Markets | Stocks, ETFs, Forex, Crypto, Futures | Bonds, ETFs, Crypto |
| Regulators | Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI) | Latvijas Banka, LV LV |
| Currency conversion fee | 0%Lower | 0.5% |
| Deposit and withdrawal fees | Free bank deposits, card 3.75% + 0.25 | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Kraken App, Kraken Pro, Kraken Desktop, Kraken Wallet | Web, iOS, Android |
| Stock trade fee | $0 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Maximum retail leverage | Up to 10x | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Regulators: only Kraken offers Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Kraken is licensed in 1 more country.
- Currency conversion fee is lower at Kraken: 0% vs 0.5%.
- Markets: only Kraken offers Stocks, Forex, Futures.
- Markets: only Mintos offers Bonds.
- Platforms: only Kraken offers Kraken App, Kraken Pro, Kraken Desktop.
- Platforms: only Mintos offers Web, iOS, Android.
Our verdict on each
Kraken
Kraken suits active crypto traders who also want stocks, ETFs, forex and futures alongside digital assets, with commission free stock dealing at $0 and cover shown as EU ICS up to EUR 20,000. Support runs through help centre routes, so traders who want phone help should weigh that trade off before opening an account.
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 | Kraken | Mintos |
|---|---|---|
| Cost | 9.3HigherStock dealing costs stay lean at $0 for equity orders. | 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 | 9.0Market choice spans stocks, ETFs and forex with broad coin coverage. | 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 | 9.3Oversight links to Central Bank of Ireland, Cyprus Securities and Exchange Commission and Financial Conduct Authority with stated scheme cover. | 9.4Higher |
Where they rank in our lists
| Ranking | Kraken | Mintos |
|---|---|---|
| Investing | 25 of 654 | 14 of 654 |
| Stock and ETF brokers | 15 of 358 | 10 of 358 |
| Trading platforms | 11 of 24 | 7 of 24 |
Where each is licensed and available
| Country | Kraken | Mintos |
|---|---|---|
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 IE_CBI PSD_EMI IE_CBI!C453020 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United States | SIPC SIPC member 71030 | Not confirmed |
Side by side, item by item
| Markets | Kraken | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
What we checked
Kraken
- kraken.com: 9 facts, checked September 28, 2026
- support.kraken.com: 3 facts, checked September 28, 2026
Mintos
- mintos.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Kraken | Mintos |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Support channels | Not confirmed | Email, Help centre, Community |
Crypto exchanges
| Fact | Kraken | Mintos |
|---|---|---|
| Taker fee | 0.05% to 0.8% | Not confirmed |
| Coins listed | 728 | Not confirmed |
| Fiat deposit methods | Card, Bank, SEPA, ACH, Apple pay | Not confirmed |
| Maker fee | 0% to 0.4% | Not confirmed |
| Proof of reserves | Yes | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Debit cards
| Fact | Kraken | Mintos |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Free ATM withdrawals | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Cashback rate | 0.5% to 2% | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 600 | Not confirmed |
| Custody | Self custody | Not confirmed |
Crypto wallets
| Fact | Kraken | Mintos |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Price | $0 | Not confirmed |
| Coins supported | 728 | Not confirmed |
| Backup options | Seed | Not confirmed |
Where each stands against the rest
| Fact | Kraken | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| 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 94 listed providers.
Pros and cons
Kraken
Pros
- Commission free stock dealing at $0, below DKB at €10
- Low entry with $1 alongside fiat choice across card, bank and SEPA
- Broad venue with stocks, ETFs and forex and 728 plus published proof of reserves
Cons
- Support runs on help centre only, so you manage queries through help centre paths.
- Card funding carries extra cost within Free bank deposits, card 3.75% + 0.25, so bank routes suit cost aware deposits.
- Coin trading fees run 0.05% to 0.8%, so frequent takers should weigh volume tiers.
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
Kraken
Who it suits
- Active traders wanting crypto plus stocks, ETFs, forex and futures in a shared venue
- Cost aware equity investors drawn to dealing at $0 with modest entry at $1
Who should look elsewhere
- ActivTrades if you want phone led help rather than help centre paths on help centre
- DKB if you prefer bank bundled investing over crypto led coverage at 728
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
Kraken
What is the minimum deposit to start with Kraken?+
You can open an account with $1, which keeps entry modest for new funders. Bank routes are available alongside card and wallet paths, so you can choose the rail that fits your timing and cost preference.
How much does Kraken charge for stocks and crypto trades?+
Stock dealing is shown as $0, which keeps equity orders lean. Crypto taker fees run 0.05% to 0.8%, so your all in cost depends on asset class, order type and monthly volume tier.
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.
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