• You buy in lump sums or irregularly, and €0 commission on every manual ETF purchase and sale is the line that matters to you.
• You want ETFs sitting in the same account as loan-backed Notes, bonds, real estate securities, crypto ETPs or a money market fund product.
• You want to start from €1 per order with fractional investing, rather than €10 per savings plan execution.
• You are treating the account as a satellite alongside a primary broker, not as the permanent home of a core position.
• You do not expect to move the holding to another broker later — see the portability section before deciding this one.

Mintos pays no interest on uninvested cash and retains the money market interest earned on it. Fractions cannot be transferred to another person.

• Self-selected ETFs: €0 buy commission, €0 sell commission, minimum order €1, fractional, from a catalogue of over 1,000 ETFs stated as UCITS.
• Core ETFs portfolio: €0 buy and sell, 0% management fee, minimum €50, with automatic rebalancing and reinvestment.
• Account costs: account servicing and investor support free. No ongoing holding, inactivity or custody charge from Mintos on ETFs or the Core ETFs portfolio.
• Inactivity: €4.90 a month, charged on the 1st, after 360 consecutive days without investments, sales, deposits or withdrawals — waived outright if the account holds ETFs, crypto ETPs, bonds, Mintos Stock, Smart Cash or real estate.
• Fund costs: the ETF’s own TER is charged by the fund provider and reflected in the daily price, not deducted from the account. Mintos describes catalogue TERs as typically below 0.25% a year, while its cost disclosure gives a range of roughly 0.03% to 0.85%. Check the individual fund.
• Other products are priced differently: loan portfolios 0.39% or 0.29% a year, High-Yield Bonds portfolio 0.39% a year, crypto ETPs 0.49% per transaction with a €0.99 minimum, secondary market sales 0.85%. Primary-market Direct Bonds carry 0.85% embedded in the purchase price rather than billed.
• Registration: a one-off, non-refundable €50 review applies to individuals resident or tax resident outside the EU, EEA or Switzerland, and to all company accounts. It covers the compliance check and does not guarantee approval.

Source: Mintos price list and costs and charges disclosure v14 of 20 July 2026, verified August 2026.

• An Investment Plan is defined contractually as a standing instruction to periodically increase the cash amount of a designated Portfolio, after which cash is allocated per the Portfolio settings.
• That definition is why no plan exists for self-selected ETFs: there is no Portfolio for one to attach to. The product page marks the recurring investment plan as coming soon rather than live.
• The Core ETFs portfolio does have one, with a €50 minimum, automatic rebalancing and reinvestment — but it is a different product from picking your own ETFs, with different execution and a different minimum.
• If the Cash Account balance is insufficient at execution, the increase is not executed at all for that period — except on a daily-frequency plan with partial allocation selected.
• Pausing or temporarily suspending a portfolio is not offered for ETF Portfolios, unlike other Mintos portfolios. Stopping a Portfolio does not stop the Investment Plan from executing; allocation is held until it resumes.

Unless otherwise agreed, Mintos does not pay the investor any interest on funds kept in the Cash Account. It may place funds held in Mintos accounts in money market funds, and the interest earned on those funds is retained by Mintos for its own benefit. That is contractual, not a matter of prevailing rates.

Earning anything on idle cash at Mintos means actively moving it into Smart Cash — 0.19% a year to Mintos plus a separate 0.10% BlackRock management fee, invested in a low volatility net asset value short-term money market fund. It is not a deposit, it is not covered by any deposit guarantee, and capital is at risk.

By accepting the terms, an investor holding fractions of a financial instrument is deemed to have chosen not to exercise certain rights attaching to those fractions — namely pre-emptive rights, rights of first refusal and corporate actions. Mintos enables participation for fractions only as far as feasible at its own discretion, and states holders of fractions may not be allowed to participate in some corporate actions.

The investor also grants Mintos authority to act as their representative, including voting, without separate instructions for each action. On distributions: most ETFs available on Mintos are accumulating, so income is reinvested inside the fund. Where an ETF distributes, withholding tax is deducted at source before the dividend reaches the account and the investor receives the net amount. Mintos publishes no rate for this — treatment depends on residence, fund registration and applicable treaties.

Mintos uses mid-market rates from XE.com with no markup applied to the rate itself, and charges a separate conversion fee on top — stated as from 0.50%, depending on the currency pair, with the exact fee displayed before you confirm the exchange.

No per-pair table is published anywhere. 0.50% is a floor rather than a rate, so a page quoting “Mintos charges 0.50% FX” is overstating what is known. Mintos’ own cost disclosure models a 0.78% average across pairs over a twelve-month period, which is the more realistic planning number.

• Asset classes: Notes backed by loans, bonds including fractional bonds, ETFs, real estate securities, crypto ETPs, Smart Cash and Mintos Stock. Holding these in one account is the reason to be here.
• ETF, crypto ETP and stock orders are transmitted to third-party brokers for execution on regulated markets. The execution policy names exactly two counterparties: Tradegate Exchange as the venue, and Upvest Securities GmbH as the third-party broker for Tradegate execution.
• That is a single venue with no multi-venue smart routing. Mintos states it considers a limited selection suitable because connecting to multiple venues would add cost not in clients’ interests, and that it receives no remuneration, discount or non-monetary benefit for routing orders to a particular venue or broker.
• Market orders only on self-selected ETFs, executed at the current market price as soon as the exchange is open. Limit orders are named only as a possible future addition.
• Once submitted and accepted, an order is final and irrevocable. Combined with the absence of limit orders, the confirmation screen is the last point of control over a trade.
• Execution timing differs by product: self-selected ETF orders execute when the exchange is open, with proceeds up to three business days; the Core portfolio executes at 11:00 EET on Latvian business days, with proceeds up to two.

AS Mintos Marketplace, a Latvian joint stock company registered at Skanstes iela 50, Riga, holding an investment firm licence and supervised by Latvijas Banka, the central bank of Latvia. One entity serves all markets under EU passporting, with one price list.

Cover comes from the Latvian investor compensation scheme, limited to Mintos’ outstanding liabilities towards the investor, up to €20,000. It covers failure to return financial instruments or funds — typically from operational error, fraud or administrative malpractice, or if Mintos goes out of business — and protects retail investors irrespective of country of residence. It does not cover investment risk, poor performance, or changes in price or liquidity.

No deposit guarantee applies to any Mintos product. Mintos is an investment firm, not a credit institution, so the €100,000 deposit protection familiar from banks is simply not in play here. Smart Cash in particular is a money market fund rather than a deposit. Financial instruments are held separately from Mintos’ own assets, and the terms state no instrument of the investor can be used to fulfil any obligation of Mintos on its insolvency.

• Country-specific tax reports for tax residents of Estonia, Germany and Latvia, and a general template for all other countries.
• On distributing ETFs, withholding tax is deducted automatically at source before the dividend reaches the account. Treatment depends on residence, fund registration and treaties, and additional local tax may apply on top. Mintos publishes no rate for this.
• The investor is responsible for declaring and paying all taxes arising from use of the platform. Where required, Mintos provides data to the Latvian State Revenue Service, which forwards it to the tax authority in the investor’s country of residence where that country participates in the exchange.
• Reporting cadence: transaction confirmation no later than the next business day after execution, a quarterly financial instruments account statement, and an aggregated costs and charges report annually.

You buy in lump sums or at irregular intervals rather than on a schedule. You want ETFs alongside loan-backed Notes, bonds or real estate securities in a single account, and that consolidation is a real part of the appeal rather than an afterthought. You do not expect to move these positions to another broker later.

For that investor, €0 on every manual purchase and sale is a straightforward saving, the €1 minimum lets you deploy odd amounts precisely, and the inactivity fee never applies because you hold ETFs. Go in knowing three things: cash earns nothing unless you pay for Smart Cash, fractions cannot be transferred out, and rights attaching to fractions are waived.