Mintos Disrupts European Investing with Commission-Free Stocks from Just €1

Mintos is launching commission-free stock investing, allowing retail investors to trade over 4,000 US, European, and global stocks from as little as €1. This move consolidates seven distinct asset classes into a single account, positioning the platform as a comprehensive wealth management hub for European investors seeking to diversify without the friction of multiple apps or high entry fees.

What was announced

Mintos has introduced a commission-free stock investing feature, expanding its platform to include more than 4,000 of the most frequently traded US, European, and global stocks. This new offering is designed for retail investors and allows for entry points as low as €1. With this addition, the platform becomes a singular hub in Europe where users can manage a diverse range of assets—including ETFs, stocks, bonds, loans, real estate, crypto ETPs, and Smart Cash—all within one account.

The service is structured to be accessible without order fees or custody charges, and notably, it does not require investors to sign up for paid subscription tiers or premium plans. For those interested in US markets, Mintos has removed a common friction point by allowing US stocks to be traded in euros without currency conversion or FX charges. This is facilitated through fractional shares, ensuring that the high price of a single share does not prevent participation.

Investors have two primary ways to engage with the new stock offering. Manual investing provides full control for those who wish to execute their own trades, while investment plans offer an automated approach. These plans allow users to set a specific stock, amount, and frequency—weekly, monthly, or quarterly—to build their positions over time. The initial selection of companies focuses on high-volume names across sectors such as technology, semiconductors, financials, healthcare, energy, and materials. The catalogue is expected to grow over time.

"Fees can make it harder for people to get started with stocks, especially when they're investing smaller amounts, and we want to remove that barrier. But pricing is only part of the picture. Mintos is now the only place in Europe where you can hold stocks alongside ETFs, bonds, loans, real estate, crypto ETPs and Smart Cash - all in one account. For investors who want to build and manage a genuinely diversified portfolio, that is a meaningful step forward."

Martins Sulte, CEO and Co-Founder of Mintos.

The companies involved

Mintos is a European multi-asset investment platform that has established itself as a significant player in the continent's retail investment landscape. Headquartered in Berlin, the firm has evolved from its origins to offer a broad spectrum of financial products. It currently serves a growing base of retail investors across Europe who are looking for alternatives to traditional banking and high-fee brokerage services. The platform's strategy focuses on providing a unified interface for diverse asset classes, which now includes everything from fractional stocks to real estate and crypto ETPs.

As a multi-asset platform, Mintos competes in a crowded market of neobrokers and wealthtech firms, distinguishing itself through the breadth of its portfolio options within a single account structure. The company has maintained a consistent presence in the fintech sector, with its leadership frequently highlighting the need to lower barriers to entry for smaller-scale investors. By integrating various financial instruments, Mintos aims to capture the increasing retail appetite for market participation seen in major European economies like Germany and Spain, where millions of new investors have entered the equity markets in recent years.

What FF News has reported before

FF News has followed the development of Mintos closely, with 12 previous reports covering its expansion and regulatory milestones. In July 2026, the platform made headlines when Mintos Disrupts European Wealth Management with Zero-Fee ETF Investing from €1. Earlier that year, the company signaled its broader ambitions as Mintos Pursues ECB Banking Licence. The firm also strengthened its leadership team in 2025, as seen when Mintos Appoints Ex-N26 Marketing Director as New CMO. Additionally, the platform has been active in the fixed-income space, as Mintos Significantly Expands Bond Offering, Unlocking New Opportunities for Investors in early 2025.

What this means

The launch of commission-free stock trading on a multi-asset platform signals a shift in the European wealthtech sector from specialization to consolidation. As retail participation grows, the "all-in-one" account model puts significant pressure on legacy brokers and single-asset neobrokers that still rely on per-trade fees or subscription models. The elimination of currency conversion charges for US stocks is a direct challenge to the traditional revenue streams of many European platforms. However, this move raises questions about how the industry will sustain profitability as trading becomes a loss leader for broader ecosystem engagement. The market is clearly moving toward a reality where zero-commission access is no longer a differentiator but a baseline requirement for retail platforms.