Mintos is no longer only a place to lend money. On 13 October 2026 the Riga-based platform launched stock investing: more than 4,000 US, European and global stocks, fractional shares from €1, recurring plans and, according to Mintos, no order fees, no custody fees, no withdrawal fees and no paid subscription tiers. For P2P investors who already keep loans on Mintos, that changes what the same account can do. It does not change the risks that come with each asset class.

This guide is written from the P2P investor’s side of the table. It explains what Mintos launched, how Mintos stock investing works, which costs remain, how safe your shares are if Mintos fails, which details Mintos has not yet published and when a dedicated broker may still be the better tool. My sister project BrokerFind has reviewed the same launch from the stockbroker side, and I link to it where the two views complement each other.

For anyone searching for Mintos stocks, Mintos shares, Mintos stock investing, Mintos fractional shares, Mintos commission-free stocks, Mintos stock fees, is Mintos safe for stocks, Mintos review 2026 or Mintos vs Trade Republic, Trading 212 and XTB, the short answer is this: the new service is a credible, low-friction way to add equities to an existing Mintos account, run by a regulated EU investment firm. It is also brand new. The launch material I could read does not name the execution venue or the custodian, limit orders are listed as “coming soon” and there is no track record yet. I would use it for small, long-term, plan-based purchases, not for anything that needs precise execution.

Mintos stocks at a glance

  • Launch: 13 October 2026, after Mintos added more than 1,000 UCITS ETFs in July 2026.
  • Catalogue: more than 4,000 of the most traded US, European and global stocks, with technology and semiconductors, financials, healthcare, energy, and mining and materials named as the main sectors. Mintos says the list will grow.
  • Minimum: from €1 per order through fractional shares; the minimum for each stock is shown before you confirm.
  • How to invest: manual purchases and sales, or recurring plans (weekly, monthly or quarterly), with several plans able to run at once.
  • Costs stated by Mintos: no order, custody or withdrawal fees, no paid plans, and no annual management fee on individual stocks (there is no fund manager).
  • Currency: global stocks are offered in euros and Mintos says there are no FX charges; companies that are not euro-based still carry currency risk.
  • Ownership: Mintos states that you own the company’s shares directly.
  • Regulation: AS Mintos Marketplace is a MiFID II investment firm supervised by Latvijas Banka, with investor compensation of up to €20,000 if the firm fails to return your cash or instruments.
  • Still unclear: execution venue or partner, custodian, order types, settlement time, dividend and withholding-tax handling, tax reporting and transfer-out.

Open a Mintos account and explore the 4,000+ stocks

What Mintos actually launched on 13 October 2026

The announcement, issued on 13 October 2026 and labelled as marketing communication, describes Mintos as a “European multi-asset investment platform”. The headline offer is access to more than 4,000 of the most traded US, European and global stocks from €1, with the ability to buy and sell manually or to invest through recurring plans. Orders are priced in euros at live market prices and, according to Mintos, sent for execution immediately during market hours.

Mintos also makes a positioning claim: that it is now the only place in Europe where retail investors can hold stocks alongside ETFs, bonds, loans, real estate, crypto ETPs and its Smart Cash product in a single account. That is a company statement and I have not tested it against every competitor, but the combination is genuinely unusual. Most stock brokers do not offer loan investing, and most P2P platforms do not offer listed stocks.

Co-founder and CEO Martins Sulte framed the launch around cost: “Fees can make it harder for people to get started with stocks”. The same release adds that “pricing is only part of the picture”, which is the part I agree with most. Price is easy to advertise. Execution quality, custody, tax reporting and the way a broker behaves when markets are stressed only become visible over time, and a platform that launched stock investing days ago cannot show any of it yet.

Mintos supports the launch with market context: according to ESMA data cited in the release, roughly one in ten EU adults, about 35 million people, bought or sold shares between 2022 and 2025. That is the audience Mintos wants to reach, and it explains the focus on small tickets, euro pricing and simple recurring plans rather than advanced trading tools.

Why Mintos stocks matter for P2P investors

Mintos started in 2015 in Riga as a marketplace for consumer and business loans. It later added bonds, real estate, ETFs, crypto exchange-traded products and Smart Cash, and now stocks. On its stock-investing page Mintos says that more than 700,000 investors across Europe use the platform and that more than €800 million is invested on it. Those are Mintos’ own figures and I treat them as such, but they show the scale of the user base this launch is aimed at.

For a P2P investor the practical effects are straightforward:

  • One account, one cash balance. Repayments and interest from loans can be redeployed into stocks or ETFs without a bank transfer to a second broker.
  • A liquid, listed asset next to illiquid loans. Loan portfolios depend on borrower repayments and secondary-market demand. Listed shares can in principle be sold during market hours, subject to settlement.
  • Less admin. One login, one set of statements and one place to track a multi-asset portfolio, if you value simplicity more than best-in-class tools.

There is a trade-off that is easy to miss. Spreading money across loans, ETFs and stocks diversifies the assets, not the provider. Even when shares are held separately from Mintos’ own assets, an investor with loans, bonds, ETFs and stocks in one place has more exposure to a single operator, a single app and a single set of terms. That is not a reason to avoid it, but it is a reason to keep the allocation deliberate.

This launch does not change the P2P Radar due-diligence score for Mintos. That score measures the loan marketplace: portfolio performance, transparency, resilience and governance, including the legacy lender failures and multi-year recoveries that investors in Mintos loans have experienced. A stock service adds a regulated product with no track record yet, so there is nothing to score. I explain the logic in Is Mintos safe in 2026?.

How Mintos stock investing works

The mechanics are deliberately simple. You pick a stock, enter an amount in euros from €1, confirm, and Mintos sends the order for execution at the live market price during market hours. Because Mintos uses fractional shares, you buy a euro amount rather than a whole share; a €5 order in a share that costs several hundred euros is possible. The minimum order for each stock is displayed on its page before you confirm. Mintos works in the browser and through iOS and Android apps.

Recurring plans are the feature I expect most long-term investors to use. You choose the stock, the amount and the frequency (weekly, monthly or quarterly), and Mintos states that plans are available for every stock on the platform and that several can run at once. For a monthly saver this removes the need to remember to place orders, and it spreads purchases across time instead of relying on a single entry point.

What “4,000+ stocks” means. Mintos selects stocks that are listed on a major, well-regulated exchange, trade with enough volume for fair execution and have reliable, transparent pricing, with a focus on established, well-known companies. That is a sensible filter for retail investors, but it also means the catalogue is not the whole market: small caps, thinly traded shares and some foreign listings will not be available.

Order types. On the launch page Mintos lists price-based limit orders, where you set a target buy or sell price, as “coming soon”. At launch I would therefore assume you cannot set your own price. Market orders are not described on the stock page. For ETFs, Mintos’ help centre says that market orders are the only type currently supported, and I would expect a similar logic for stocks, but I have not seen it confirmed in writing. If you care about the price you pay, wait for limit orders or use a broker that already has them.

Mintos stock fees: what is free and what can still cost you

Mintos states that stock investing has no order fees, no custody fees, no withdrawal fees and no paid subscription tiers. Because individual stocks are not funds, there is also no annual management fee. For small and regular orders this is a real advantage. A fixed €1 dealing fee on a €25 monthly plan would cost 4% before the market moves; with no order fee, the full amount is invested.

“Free” does not mean “costless”. These are the items I would check before relying on the headline:

  • Market price differences. Mintos itself says that the usual market price differences still apply. Whatever the execution route is, the price you get can differ from the price you saw, especially in volatile or thinly traded stocks.
  • Currency. Mintos offers global stocks natively in euros and states that there are no FX charges, but non-euro companies still carry currency risk, because the share’s value reflects the company’s home market. Mintos’ help centre fee article for stocks also mentions a currency conversion for stocks that trade in a currency other than the euro. The headline and the help page read slightly differently, so check the fee page and the specific stock before buying anything outside the euro area.
  • Third-party costs. Mintos says that any occasional third-party costs would be communicated accordingly. I read that as a reminder to follow the official fee page and not only the launch announcement.
  • ETF fund costs. If you also use ETFs, each fund’s Total Expense Ratio is built into the price. I explain it in Mintos ETFs 2026.
  • Taxes. Dividends may be subject to withholding tax at source, and some countries levy a financial transaction tax on purchases of certain domestic shares. I have not found a description of how Mintos handles either.

One question I would always ask about a zero-commission product is how it earns money. The launch material I read does not describe the revenue model for stock investing, for example whether it relies on spreads, interest on cash balances or partner arrangements. That is not an accusation; every free service has a business model. It simply means the cost of the service is not fully visible from the announcement alone.

Is Mintos safe for stocks? Licence, custody and the €20,000 scheme

AS Mintos Marketplace is a licensed MiFID II investment firm supervised by Latvijas Banka, the central bank of Latvia, with the ability to provide investment services across the EU. In my view this is the most important reassurance in the launch: the stock product sits inside a regulated investment firm, not an unregulated lending marketplace. BrokerFind’s review notes that Mintos has been authorised as an investment firm since 2021.

Mintos states that you own the company’s shares directly and that client cash and securities are held separately from Mintos’ own assets. It is also a member of the national investor compensation scheme under Directive 97/9/EC. If Mintos fails to return your instruments or cash, the scheme covers up to €20,000, limited to outstanding liabilities.

What this does not do matters just as much:

  • It does not protect you from falling share prices, a company’s collapse, currency moves or illiquidity. Mintos says so itself.
  • It does not make Mintos’ loan products safer. P2P loans carry borrower and originator risk that no stock-market protection touches, which is why I treat “stocks on Mintos” and “loans on Mintos” as two separate risk questions.
  • It is capped. If you hold more than €20,000 across eligible assets, the compensation limit is a ceiling, not a guarantee of full recovery.

Mintos also lists the main risks of stock investing on its own page: market risk, company-specific risk, concentration, currency, liquidity and corporate-action risk. On the last point, Mintos notes that it cannot change the terms a company sets for corporate actions. Reports around the launch say that Mintos has started to seek a banking licence, a longer-term move that depends on regulatory approval and has no published timeline. I would not factor it into today’s decision.

What Mintos has not told us yet

This is the section I find most useful, because it separates a good launch announcement from a proven service. Based on the official launch material, the stock-investing page and the press coverage I could read, these are the open points:

  • Execution venue or partner. The announcement does not say where orders are executed or who routes them. For ETFs Mintos uses Tradegate Exchange; for stocks I could not find a statement. Execution quality depends on routing, liquidity, order type and the spread available at the moment.
  • Custodian. Direct ownership and segregation are stated, but the custodian is not named in the launch material.
  • Order types and limit-order timing. Limit orders are marked “coming soon”, with no date.
  • Settlement. For ETFs, Mintos says that settlement and sale proceeds can take up to three business days. I have not seen the equivalent for stocks.
  • Dividends and corporate actions. Mintos’ help centre has dedicated articles on how stock dividends work, but the stock page does not describe the practical flow, including withholding tax.
  • Tax reporting. I found no statement about whether Mintos provides an annual report for stocks in a format that is usable for your country’s tax return.
  • Transfer-out. Whether positions can be moved to another broker is not documented, as is also the case for ETFs.
  • Country availability. Stock investing follows Mintos’ general registration rules, which accept residents of the EEA and Switzerland and exclude US and UK residents; no separate country list for stocks had been published when BrokerFind reviewed it.
  • Track record. The service is only days old. There are no independent execution statistics, outage history or user-reported experience to rely on yet.

None of these is a reason to avoid the product. They are a reason to start small, read the official terms and test the service before relying on it, which is exactly how I would approach any new broker.

Stocks, ETFs and P2P loans in one account: how they differ

The convenience of having everything in one app hides how different the products are. A quick map:

  • P2P loans (from €50): a target interest rate set by the loan terms, borrower and originator risk, uncertain liquidity and recovery times when loans default.
  • Bonds (from €50): fixed-income exposure with issuer risk.
  • ETFs (from €1): a basket of securities in a single fund, with a TER built into the price. See my Mintos ETF guide for fees, orders and custody.
  • Stocks (from €1): direct ownership of individual companies. There is no promised yield: the return is the share price change plus any dividends, and both can be negative.
  • Smart Cash: a cash product that Mintos describes as earning up to 2.5% on idle cash, subject to change with interest rates.

The biggest mental adjustment for a P2P investor is that a stock does not display a rate. Loan platforms show a target return such as 10% or 12%; a stock can rise 30% in a year or fall 30%, and an individual company can fall much more. A diversified equity portfolio can lose a large share of its value in a bad year, and single stocks are more concentrated still. If you are used to interest hitting your balance every month, equities need a different time horizon and a different risk budget.

Who should consider Mintos stocks, and who should look elsewhere

It may fit you if you:

  • already use Mintos and prefer one account for loans, ETFs and stocks;
  • invest small, regular amounts and value the zero order fee and fractional shares;
  • want a simple long-term plan and do not need charts, screeners or advanced orders;
  • are comfortable with a new service and will start with small amounts.

A dedicated broker may fit better if you:

  • need limit, stop or other order types today;
  • want to choose the exchange or know exactly where your orders are executed;
  • trade actively or want research tools, options or derivatives;
  • need documented tax reporting and a clear process to transfer positions out;
  • need access to small caps or markets outside Mintos’ catalogue.

Mintos vs Trade Republic, Trading 212 and XTB: how to compare

Press coverage of the launch names Trade Republic, Trading 212, XTB and Bitpanda as the competitive set. Those brokers have been offering stock investing for longer, and some already provide savings plans, fractional shares and wider tooling. I have not benchmarked their current prices against Mintos for this article, and prices change often, so I will not claim a winner on cost. These are the criteria I would compare instead:

  • Order types: market only, or limit and stop as well?
  • Execution venue and routing: named and documented, or not?
  • Savings plans: frequency, minimums, and whether plans cover the whole catalogue.
  • Spread and real cost: not only the commission, but the price you actually receive.
  • Custody and protection: who holds the shares, and which compensation scheme applies.
  • Tax reporting: annual statements, dividends, withholding and cost-basis data.
  • Portability: can you move your positions out if you want to?
  • Everything else you hold: Mintos’ advantage is that loans, bonds and ETFs share the same account.

If you are still choosing a stock broker, BrokerFind helps you find and compare brokers, which is the part P2P Radar does not cover.

How I would start: a low-risk approach

  1. Give every position a job. Global growth, a satellite idea or a one-off learning position: decide before you buy.
  2. Start with a very small test order. The €1 minimum lets you learn the flow, the confirmation screens and the statements for almost nothing.
  3. Read the stock’s page and the official fee page. Check the currency and exactly what Mintos says about conversion, especially for non-euro companies.
  4. Prefer a recurring plan to timing the market. A small monthly plan is easier to sustain than trying to guess an entry point.
  5. Keep short-term money out of equities. Cash you need within months should not depend on a share price or on settlement.
  6. Check execution afterwards. Compare your executed price with the market price at the time of the order and keep a record.
  7. Avoid overlap. If you hold a global ETF, buying the same big companies directly may add concentration, not diversification.
  8. Export your statements. You will need them for your tax return whatever the final reporting tools turn out to be.
  9. Do not move your whole P2P allocation. Decide the share of the portfolio that belongs in equities and size the position to that, not to the excitement of a new feature.

Taxes: stock income is not P2P interest

For many investors the tax treatment of dividends and capital gains differs from the treatment of P2P interest, and rules for foreign accounts, withholding tax and reporting differ again by country. A foreign intermediary often leaves the reporting to you. Keep statements, record dates and gross amounts, and ask a qualified tax adviser about your own case. My country guides explain P2P income: Italy, Germany, Spain, France and others in the blog. They do not cover stock gains or dividends, and the P2P tax calculator is built for P2P interest only. This is general information, not tax advice.

The BrokerFind view: the same launch from the broker side

I run both P2P Radar and BrokerFind, so you can read the same event from two angles. P2P Radar asks what a stock service means for someone who invests in P2P loans. BrokerFind asks how good Mintos is as a stock broker. Its Mintos review gives the stock service a provisional editorial score of 7.6/10. The score gains points for the licence and supervision, the low stated costs and the convenience of a multi-asset account, and loses them because the service launched only on 13 October 2026, execution and service quality cannot yet be verified independently, and the tools are basic compared with established stock brokers. The BrokerFind score will be revisited as evidence builds up.

The two sites are editorially separate and the scores do not influence each other. Both disclose affiliate relationships, and neither lets a commission change a score or verdict.

Read the full Mintos review on BrokerFind

My verdict

My view is positive, with clear conditions. The licence, the €1 entry point, the zero stated order and custody fees, the recurring plans and the ability to keep stocks next to loans and ETFs make this a credible addition for an existing Mintos investor. It lowers the friction of starting with equities and gives P2P investors an obvious place to put money that they do not want to reinvest in more loans.

The conditions are equally clear. Stock investing on Mintos is only days old. The execution venue and the custodian are not named in the material I could read, limit orders are not live, and tax reporting and portability are undocumented. Until those points are published and the service has run through ordinary markets and a few stressed days, I would size my positions as a test, not a core holding.

What would make me more positive: a named execution venue and custodian, live limit orders, clear dividend and withholding-tax handling, usable tax reports, documented transfer-out and several months of stable service. What would make me more cautious: execution that is consistently worse than the market, unexplained costs, outages around market opens or a poor support experience.

Create a Mintos account and start with a small stock order

Mintos stocks FAQ

Does Mintos offer stocks?

Yes. Mintos launched stock investing on 13 October 2026, after it added ETFs in July 2026. It gives access to more than 4,000 US, European and global stocks in the same account as its other products.

How many stocks can I buy on Mintos?

Mintos says more than 4,000 of the most traded US, European and global stocks, selected for listing on a major regulated exchange, liquidity and reliable pricing. The list will grow, and it does not cover the whole market.

What is the minimum investment?

From €1 through fractional shares. The minimum per order is shown on each stock’s page before you confirm.

Are Mintos stocks really commission-free?

Mintos states that it charges no order, custody or withdrawal fees on stock investing and has no paid plans. Market price differences still apply, non-euro companies carry currency risk, and taxes are separate. Check the official fee page before you buy.

Does Mintos charge FX fees on stocks?

The launch page says that global stocks are offered natively in euros with no FX charges. The help centre fee article mentions a currency conversion for stocks that trade in a currency other than the euro. Check the stock’s page and the fee page for the exact position before buying a non-euro share.

Do I own the shares I buy on Mintos?

Mintos states that you own the company’s shares directly, with no fund or fund manager in between, and that client assets are kept separate from Mintos’ own assets.

Is Mintos safe for stocks?

Mintos is a MiFID II investment firm supervised by Latvijas Banka and a member of the national investor compensation scheme, which covers up to €20,000 if the firm fails to return your cash or instruments. That protection does not cover falling share prices, and the service has no track record yet.

Which order types does Mintos support for stocks?

Limit orders are listed as coming soon. Market orders are not described on the stock page, and for ETFs Mintos currently supports market orders only. Treat limit orders as unavailable until they are live.

Can I set up recurring investments in stocks on Mintos?

Yes. You choose the stock, amount and frequency (weekly, monthly or quarterly), and several plans can run at the same time.

Does Mintos pay dividends on stocks?

Dividends are paid by the companies, not by Mintos. How Mintos credits them and applies withholding tax is covered in its help centre; the stock page does not describe the practical flow, so read the help articles before relying on dividends.

Is Mintos stock investing available in my country?

Mintos’ general registration rules accept residents of the EEA and Switzerland and exclude US and UK residents. No separate list for stocks had been published when BrokerFind reviewed the launch, so check the official terms before registering.

Should I use Mintos or a dedicated stock broker?

For small, long-term, market-order investing next to loans and ETFs, Mintos may be enough. If you need limit orders, a known execution venue, advanced tools, documented tax reports or portability today, compare dedicated brokers first, for example on BrokerFind.

Does this change P2P Radar’s rating of Mintos?

No. The P2P Radar due-diligence score for Mintos measures the loan marketplace. The stock service is a new regulated product without a track record, so it is covered here and in the BrokerFind review rather than in that score.

Final thoughts: a useful addition, not a reason to drop your guard

Mintos stocks are a meaningful step for a platform that built its name on P2P loans. For existing users, the combination of a regulated investment firm, a €1 minimum and no stated order or custody fees is attractive, and the recurring plans make it practical for long-term savers. The right way to use it is the same way I would use any new broker: start small, read the official terms, verify the gaps that matter to you and let the service earn trust over time.

Open Mintos and review the stock catalogue

Risk warning: capital is at risk and the value of investments can go down as well as up. Past performance, forecasts or simulations do not guarantee future results, and you may lose invested capital. This article is general information, not investment, tax or legal advice. The Mintos registration links are affiliate links: P2PRadar may earn a commission if you open an account, and commissions do not change a ranking, score or verdict. See the affiliate disclosure.

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