Mintos review

Pros and cons

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.

Getting started

Opening at Mintos needs a minimum deposit of €50, so the first transfer into the account is a modest one rather than a large commitment. Once the balance is there, the day to day rhythm is simple: you add money, the platform does the rest. Moving money is where the wording matters most. Free bank transfer withdrawal; 2% card deposits, so a bank transfer is the cheapest route in and out, while topping up by card adds a charge. If you expect to add money regularly, a bank transfer keeps the cost of funding the account at nothing. Withdrawals follow the same logic. Because bank transfers come out free, taking money back is a normal part of using the account rather than an event, and you can move a balance out without paying a fee for the transfer itself.

Fees and currency costs

The standing costs are light. The account fee is €0 on the account itself, so an open account with money in it carries no monthly charge. That makes the everyday cost of holding a balance easier to predict than at brokers whose accounts charge by the year. Two charges are worth planning around. The inactivity fee of €4.90 applies to the same account when it sits unused, so a balance you forget about is the one that can quietly cost you. Currency conversion runs at 0.5% on the account, which matters if you hold anything priced outside the euro. Deposits and withdrawals sit outside the account fee but still charge in places. Free bank transfer withdrawal; 2% card deposits, so funding and draining the account through a bank is the cheapest habit, and cards are the costly one. Put together, the fee picture rewards a saver who tops up by bank and leaves money earning rather than idle.

Regulation and registers

Mintos sits inside the Latvijas Banka register, with the entry recorded under licence PSD_EMI LV_FCMC!723. That single line is the piece worth keeping, because it names the supervisor and ties the account to a legal entity rather than to a brand name. Check it before you fund the balance, particularly if you arrived through an affiliate link. A licence reference that matches the imprint, the company name and the register entry is the plainest way to confirm the account you are about to use is the supervised one. Regulation sets the floor rather than the outcome. The register tells you who answers for the firm, while what the balance earns or loses still depends on the assets and rates you pick. Keep the licence reference with your own records so any question about the account starts from the same document.

Safety of your money

Two things decide how safe the money is: who supervises the balance and what stands behind it. Latvijas Banka and LV LV shows Latvijas Banka, and the licence entry is PSD_EMI LV_FCMC!723, so a named regulator is answerable for the firm. On the cash side, the balance sits under EU investor compensation cover, with the cap set by the scheme rather than by Mintos. Read that as protection for the cash you hold, not as a floor under the value of what you buy: market losses sit outside it. That split matters when you weigh the account. Retail investors lose money on a median of 72.05% of accounts across the investing brands we compare, and on 72.03% across stock brokers. Treat the protected cash and the invested portion as two separate decisions.

How Mintos compares

• 

  MC Prime

  9.2 vs 9.4
• 

  LANDE

  9.2 vs 8.7
• 

  Silver Gold Bull

  9.2 vs 8.3
• 

  MarketScreener

  9.2 vs 8.5
• 

  ActivTrades

  Mintos vs ActivTrades9.2 vs 9.4
• 

  XTB

  Mintos vs XTB9.2 vs 9.3
• 

  NAGA

  9.2 vs 8.7
• 

  eToro

  Mintos vs eToro9.2 vs 9.2
• 

  Linxea

  Mintos vs Linxea9.2 vs 8.7
• 

  UNest

  Mintos vs UNest9.2 vs 8.6
• 

  Kitco

  9.2 vs 9.2
• 

  iuvoSAVE

  9.2 vs 9.0
• 

  J&T Direktbank

  9.2 vs 9.3
• 

  BlackBull Markets

  9.2 vs 9.2
• 

  Kraken

  Mintos vs Kraken9.2 vs 9.2
• 

  Pepperstone

  9.2 vs 9.2
• 

  wikifolio.com

  9.2 vs 9.1
• 

  Binance

  9.2 vs 9.0
• 

  Bitget

  9.2 vs 9.0
• 

  EBC Financial Group

  9.2 vs 9.0
• 

  moomoo

  9.2 vs 9.0
• 

  Afranga

  9.2 vs 8.8

Frequently asked questions

Sources

• euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

  Backs: Headquarters, Legal entity, Licences

  “EntityCode=LV_FCMC!723; EntityType=PSD_EMI; ENT_NAM=SIA Mintos Payments”

• mintos.com/en/how-it-works/fees checked September 26, 2026

  Backs: Account fee, Deposit and withdrawal fees, Features, Currency conversion fee, Inactivity fee, Pricing model, Platforms

  “Account servicing Free - main retail loans/bonds account”

• mintos.com/en/imprint checked September 26, 2026

  Backs: Investor protection, Regulators

• mintos.com/en/mintos-affiliate-program checked September 26, 2026

  Backs: Markets, Minimum deposit, Support channels

  “Invest in loans, bonds, ETFs, real estate, crypto - main retail loans account”

• mintos.com/en/smart-cash/invest checked September 26, 2026

  Backs: Interest on cash

  “Earn up to 2.5% interest on your cash - Mintos Smart Cash”