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Updated September 29, 2026 · SumCue Editorial Team

Mintos vs XTB

Mintos scores 9.2 and XTB 9.3 out of 10. Compare their differences and shared features below.
Mintos

Mintos

9.2/10
Visit
XTB

XTB

Higher score in this comparison

9.3/10
Visit

Mintos vs XTB: the differences

Mintos vs XTB
CompareMintosMintosReviewVisitVisitXTBXTBReviewVisitVisit
Minimum deposit€50€0Lower
Inactivity fee€4.90Lower€10
MarketsBonds, ETFs, CryptoStocks, ETFs, Forex, CFDs, Crypto
RegulatorsLatvijas Banka, LV LVCyprus Securities and Exchange Commission (CySEC), FCA, KNF
Deposit and withdrawal feesFree bank transfer withdrawal; 2% card depositsFree deposits; free withdrawals above 100 EUR/USD
PlatformsWeb, iOS, AndroidXStation 5, XStation Mobile
Stock trade feeNot confirmed€0
Retail accounts that lose moneyNot confirmed77%
Maximum retail leverageNot confirmed1:30
Interest on cash2.5%Not confirmed

Same on both: Account fee (€0), Investor protection (EU ICS up to EUR 20,000), Currency conversion fee (0.5%).

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

  • XTB scores higher overall: 9.3 vs 9.2.
  • Regulators: only Mintos offers Latvijas Banka, LV LV.
  • Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
  • 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.
  • Platforms: only XTB offers XStation 5, XStation Mobile.

Our verdict on each

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.

Read the full Mintos review

XTB

XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.

Read the full XTB review

Score breakdown

Mintos vs XTB
AreaMintosXTB
Cost8.9A €0 account fee and bank transfers at no cost keep the base low, with €4.90 for inactivity and 0.5% on conversion.9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset.
Offer9.1Bonds, 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.9.2Higher
Trust9.49.5Higher

Choosing between them

Pick Mintos if inactivity fee matter most.

Pick XTB if cost and minimum deposit matter most.

Licences and countries

Mintos vs XTB
CountryMintosXTB
CyprusNot confirmed
Latvia
LV_LV PSD_EMI LV_FCMC!723
Not confirmed
PolandNot confirmed
United KingdomNot confirmed

How they place

Mintos vs XTB
RankingMintosXTB
Investing14 of 6543 of 654
Stock and ETF brokers10 of 3582 of 358
Trading platforms7 of 242 of 24

Every fact side by side

Mintos vs XTB
FactMintosXTB
FeaturesCrypto, Mobile appDemo account, Mobile app, CryptoCovers more
Pricing modelCommission freeCommission free, Low feesCovers more
AudienceNot confirmedBeginners
Legal entitySIA Mintos PaymentsXTB Limited
HeadquartersLatviaCyprus
FoundedNot confirmed2002
Support channelsEmail, Help centre, CommunityEmail, Chat, Phone

Crypto exchanges

Mintos vs XTB
FactMintosXTB
Taker feeNot confirmed0%
Coins listedNot confirmed45
Fiat deposit methodsNot confirmedBank
Maker feeNot confirmed0%
Withdrawal feeNot confirmedFree above 100 USD/EUR
DerivativesNot confirmedYes
Exchange typeNot confirmedCex

Savings

Mintos vs XTB
FactMintosXTB
Headline rateNot confirmed4%
Rate typeNot confirmedVariable
Deposit protectionNot confirmedFSCS up to GBP 85,000
Access termsNot confirmedInterest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account
Monthly feeNot confirmed£0
Account kindNot confirmedEasy access

Where each stands against the rest

Mintos vs XTB
FactMintosXTBMedian
Minimum deposit€50highest quarter€0below the median€1
Stock trade feeNot confirmed€0below the median€1.50
Account fee€0at the median€0at the median€0
Inactivity fee€4.90above the median€10above the median€2.45
Retail accounts that lose moneyNot confirmed77%highest quarter72.21%
Currency conversion fee0.5%above the median0.5%above the median0.4%

Median across 80 listed providers.

Pros and cons

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.

XTB

Pros

  • The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
  • The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
  • Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.

Cons

  • The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
  • A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
  • Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.

Who each suits

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.

XTB

Who it suits

  • Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
  • UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
  • People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.

Who should look elsewhere

  • Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
  • Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
  • Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.

Questions about each

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.

XTB

What does it cost to hold an XTB account?+

The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.

How much does it cost to buy shares on XTB?+

The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.

Other options to compare

Mintos

Visit

XTB

Visit