Mind-Money.eu

Mind‑Money.eu Review 2025 – Is It a Safe Broker?

Thinking of investing with Mind‑Money.eu (formerly Zerich Securities)? In this detailed review, we examine Mind‑Money.eu’s regulations, account / plan types, instruments, fees, platforms, and more. By the end, you’ll see whether Mind‑Money.eu is a good choice for your investment approach in 2025.

Regulation & Safety

Here are what the sources indicate about Mind‑Money.eu’s regulation, safety, and concerns:

• Regulated by **CySEC (Cyprus)** under license number 115/10.
• Registered company number HE 252803.
• Offers portfolio management services and custodianship.
• Claims of client funds being kept in segregated accounts. (Needs verification)
• KYC / AML policies are claimed to be in place.
• Some risk flags / negative signals in online oversight sites: Low trust scores on ScamAdviser and Scam‑Detector; warnings to double‑check the legitimacy.

Account / Plan Types Offered

Trading / Investment Platforms & Tools

• Web‑based platform (browser), with portfolio tracking, reporting, custody functions.
• Access to pre‑IPO / IPO offerings.
• Analytical tools, risk‑management features (for Expert plan) and transparency in reports.
• Mobile app: sources are unclear or contradictory—some reports say available, others say no dedicated mobile trading app.

Instruments You Can Access

• Stocks (including ADR / GDR)
• ETFs
• Bonds (many)
• Futures, Options, IPO / Pre‑IPO
• Possibly Forex / Currency Pairs & Crypto — some user reports mention them, but not clearly confirmed in official sources.

Fees, Costs & Commission

• Transaction / Trade Fees: Reported low commission rates for Smart plan; for Expert plan / IPO participation, higher fees such as a percentage of IPO amount (e.g. ~3.5%) in some reports.
• Deposit / Withdrawal Fees: Not clearly documented; bank transfers are supported; some sources say no deposit fees.
• No inactivity fees: Claimed by users.
• Other fees: Commission for IPO participation, possibly fees for transferring or selling instruments, some fees for transferring securities between accounts.

Security & Measures

• Operates under CySEC regulation (license 115/10), which imposes investor protection rules in EU.
• KYC / AML policies in effect.
• Segregated accounts claimed.
• SSL encryption, standard website security.
• Some external risk indicators / “warning” reports from trust‑rating / scam sites.

Deposit & Withdrawal Options

Customer Support

• Email: info@mind‑money.eu
• Phone: +357 25 755 337
• Support seems to cover multiple languages; users report responsiveness via chat / email.
• Documentation such as Terms of Business is available online.

Pros & Cons

Pros

• Regulated by a recognized EU regulator (CySEC) — provides legal oversight and investor protections.
• Very wide instrument selection (stocks, ETFs, bonds, IPOs, etc.), claimed millions of securities/instruments.
• No minimum deposit (makes entry easier for smaller investors) as claimed.
• No inactivity fees (according to some user reviews) and transparent fees in many cases.
• Portfolio management services available for those who prefer passive / expert‑guided investing.

Cons / Potential Weaknesses

• Some user reviews and independent sites report **risk flags** — low trust scores, possibly vague info in certain sections.
• Leverage terms, forex / crypto access not clearly confirmed; may not be available or may have restrictions.
• Information on fees for certain services (e.g. IPO participation, securities transfers) is somewhat scattered and maybe high in some cases.
• Mobile app presence is ambiguous; if you prefer trading from phone, this might be a drawback.
• Although regulated, some complaints point to delays or issues with withdrawals or platform stability. (User reports)

Is Mind‑Money.eu Right for You?

If you are an investor who prefers building a diversified portfolio with stocks, bonds, ETFs, IPOs, and you value regulatory oversight under EU law, Mind‑Money.eu may be an appealing option. Especially if you prefer managed portfolios or want access to IPO/pre‑IPO opportunities, this broker offers many of those services.

On the other hand, if you require very frequent trading, high leverage (particularly on forex/crypto), or a mobile trading app, then you should carefully check whether Mind‑Money.eu meets those needs (or consider other brokers).

Before depositing:

• Review the **Fees Schedule** on their website carefully (especially IPO participation, transfers of securities, and other ancillary costs).
• Check whether the instruments you want (forex, crypto, futures, etc.) are properly supported in your country (regulation / availability).
• Test the platform via a demo or small deposit, to verify usability, withdrawal / deposit process, and support responsiveness.

If you decide to go with Mind‑Money.eu:

Open Live / Investment Account with Mind‑Money.eu

Try Free Demo / Explore Platform

FAQs About Mind‑Money.eu

Is Mind‑Money.eu regulated?
Yes — it is regulated by the Cyprus Securities & Exchange Commission (CySEC), under license number 115/10.

What is the minimum deposit?
They claim no minimum deposit is required. However, always confirm in your region, since practical minimums or funding methods may impose limits.

Does Mind‑Money.eu offer managed / expert portfolio services?
Yes — they offer portfolio / trust management (Expert plan), and you can invest in IPO / pre‑IPO offerings.

What instruments are available?
Stocks, ETFs, bonds, options/futures, ADR/GDR, IPOs/pre‑IPOs. Forex/cryptocurrency support is less clear, so verify before you commit.

Are there any hidden or inactivity fees?
Users report that there are no inactivity fees; fee structure seems relatively transparent in many cases. But verify via the Fees Schedule.

How is deposit / withdrawal processed?
Bank transfers are supported; deposit fees are often claimed to be zero; withdrawal times & other methods need confirmation in your country.