Updated October 1, 2026 · BrokerCue Editorial Team
Afranga vs Mintos
Afranga vs Mintos: the differences
| Compare |  Afranga |  Mintos |
|---|---|---|
| Target return | 8% to 16%Higher | 9.2% |
| Minimum investment | €10Lower | €50 |
| Regulators | Financial Supervision Commission of Bulgaria | Latvijas Banka, LV LV |
| Buyback guarantee | No | Not confirmed |
Same on both: Secondary market (Yes).
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Key differences
- Afranga scores higher overall: 9.3 vs 9.0.
- Regulators: only Afranga offers Financial Supervision Commission of Bulgaria.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Founded is lower at Mintos: 2015 vs 2021.
- Minimum investment is lower at Afranga: €10 vs €50.
- Target return is higher at Afranga: 8% to 16% vs 9.2%.
- Support channels: only Afranga offers Phone.
Our verdict on each
Afranga
Afranga suits beginners who want a small entry point and a published target range on business lending. Charges of €0 and Depositing money Free; Withdrawing money Free keep running costs light, though 8% to 16% is a target rather than a promise and investor protection is listed as none.
Mintos
Mintos is a cheap, commission-free platform for lending money to businesses through their loan marketplace, with an account fee of €0 and a secondary market for exiting early. It suits investors who want lending exposure in euro-denominated loans rather than a share dealing account, and accept that the money carries borrower default risk.
Score breakdown
| Area | Afranga | Mintos |
|---|---|---|
| Cost | 10.0HigherAccount fee is €0 and Depositing money Free; Withdrawing money Free shows both directions are free. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.5HigherTarget return of 8% to 16% tops Fingood's 10% to 12.9%, a secondary market is available and minimum investment is €10. | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.7Licensed under 863/12.09.2023, with no deposit guarantee or investor compensation scheme behind the money. | 9.0Higher |
Pick Afranga if, pick Mintos if
Pick Afranga if cost, offer, target return, and minimum investment matter most.
Pick Mintos if trust matter most.
Licences and countries
| Country | Afranga | Mintos |
|---|---|---|
| Bulgaria | Financial Supervision Commission of Bulgaria 863/12.09.2023 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
How they place
| Ranking | Afranga | Mintos |
|---|---|---|
| P2P lending platforms | 13 of 52 | 3 of 52 |
Also worth a look
Go and Grow by Bondora has minimum investment at €1, against €10 for Afranga and €50 for Mintos.
Go and Grow by Bondora reviewWhere these facts come from
Afranga
- afranga.com: 8 facts, checked October 1, 2026
- fsc.bg: 1 fact, checked October 1, 2026
Mintos
- mintos.com: 5 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- help.mintos.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Afranga | Mintos |
|---|---|---|
| Legal entity | Afranga EOOD | SIA Mintos Payments |
| Headquarters | Bulgaria | Latvia |
| Founded | 2021 | 2015Lower |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Help centre, Community |
Brokers
| Fact | Afranga | Mintos |
|---|---|---|
| Minimum deposit | €10Lower | €50 |
| Account fee | €0 | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Markets | Not confirmed | Bonds, ETFs, Crypto |
| Investor protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | EU ICS up to EUR 20,000 |
| Features | Not confirmed | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Audience | Beginners | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Deposit and withdrawal fees | Depositing money Free; Withdrawing money Free | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 2.5% |
Where each stands against the rest
| Fact | Afranga | Mintos | Median |
|---|---|---|---|
| Target return | 8% to 16%above the median | 9.2%below the median | 12.4 |
| Minimum investment | €10lowest quarter | €50at the median | €50 |
Median across 27 listed brokers.
Pros and cons
Afranga
Pros
- The account fee is €0, so holding an account is free.
- Cash handling costs nothing either way: Depositing money Free; Withdrawing money Free.
- Minimum investment of €10 is the lowest of the 6 brands ranked on it, at position 1.
Cons
- There is no buyback guarantee, so a loan that goes unpaid stays on your books.
- Investor protection is listed as none, so a default on a loan you funded comes straight out of your own pocket.
- Afranga publishes a target return of 8% to 16%, while Fingood's 10% to 12.9% gives you a tighter band to plan around.
Mintos
Pros
- The account fee is €0, and Mintos ranks at 1 of 138 brands on that measure
- Investing is commission-free, and the minimum investment is €50
- A secondary market is available, so loans can be sold before they mature
Cons
- Card deposits cost Free bank transfer withdrawal; 2% card deposits, so topping up is dearer than a bank transfer
- An inactivity fee of €4.90 applies, against an inactivity fee position of 33 of 56
- The minimum deposit of €50 sits far above a site minimum deposit median of €4.64
Who each suits
Afranga
Who it suits
- Beginners putting a small first amount into business loans rather than trying it with a large sum.
- Investors who want the 8% to 16% target range without an account fee eating into it.
- Anyone comfortable that the money sits outside any deposit guarantee or investor compensation scheme.
Who should look elsewhere
- Fingood, if you would rather plan around a narrower return band of 10% to 12.9% than the wider 8% to 16% Afranga publishes.
- Anyone who relies on live chat, since support runs on email, phone, help centre and 1 more.
Mintos
Who it suits
- Investors who want to lend to businesses and earn a target return of 9.2%
- Lenders who want a secondary market to sell a loan before it matures
- Euro-based investors who accept that defaults can reduce returns
Who should look elsewhere
- Share traders, who should look at eToro with a commission-free model and a wider market list
- Anyone wanting to start with a very small sum, since CFI takes a minimum deposit of $0
- Lenders who need a guaranteed buyback, as the return of 9.2% is a target rather than a promise
Country by country
| Country | Afranga | Mintos |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 31 countries where either is available.
Questions about each
Afranga
How much does it cost to hold an account with Afranga?+
The account fee is €0, so holding an account is free. Most of the brands listed also charge nothing, though the highest account fee in the group reaches €348.65. Afranga sits with the majority rather than against them.
Does it cost anything to move money in or out?+
Depositing money is free and withdrawing money is free, so Depositing money Free; Withdrawing money Free applies to both sides. That means a small starting balance can be topped up or taken out without a charge eating into it, which matters more when your minimum is €10.
Mintos
What fees does Mintos charge on an account?+
The account fee is €0, and the platform is commission-free, so there is no dealing charge on an investment. The charges that apply are a currency conversion fee of 0.5%, card deposit costs set out as Free bank transfer withdrawal; 2% card deposits, and an inactivity fee of €4.90.
How much do I need to put in to start lending?+
The minimum deposit is €50, and the smallest single investment is €50. The two figures are close, so funding to the deposit minimum is enough to purchase a loan. For scale, the site median for a minimum investment is €25.