Updated October 17, 2026 · BrokerCue Editorial Team
iuvoSAVE vs Mintos
iuvoSAVE
Higher score in this comparison
Mintos
Where iuvoSAVE and Mintos differ
| Compare | iuvoSAVEReviewVisitVisit | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | €10Lower | €50 |
| Deposit and withdrawal fees | 2 free withdrawals per month, then 1 EUR per withdrawal | Free bank transfer withdrawal; 2% card deposits |
| Interest on cash | 5% to 7%Higher | 2.5% |
| Inactivity fee | Not confirmed | €4.90 |
| Markets | Not confirmed | Bonds, ETFs, Crypto |
| Regulators | Not confirmed | Latvijas Banka, LV LV |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Currency conversion fee | Not confirmed | 0.5% |
| Platforms | Not confirmed | Web, iOS, Android |
Same on both: Account fee (€0).
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Key differences
- Founded is lower at Mintos: 2015 vs 2016.
- Minimum deposit is lower at iuvoSAVE: €10 vs €50.
- Interest on cash is higher at iuvoSAVE: 5% to 7% vs 2.5%.
- Support channels: only iuvoSAVE offers Chat, Phone.
- Support channels: only Mintos offers Help centre, Community.
- Features: only Mintos offers Crypto.
Our verdict on each
iuvoSAVE
iuvoSAVE keeps activity narrowly around receivables on a P2P portal that favours mobile access and guided allocation. For investors who accept a focused portal in exchange for straightforward access and defined originator screening, the setup reads as clear and purpose built.
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 | iuvoSAVE | Mintos |
|---|---|---|
| Cost | 9.1Higher | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.7Higher | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 8.4 | 9.0Higher |
How they place
| Ranking | iuvoSAVE | Mintos |
|---|---|---|
| P2P lending platforms | 5 of 62 | 3 of 62 |
Every fact side by side
| Fact | iuvoSAVE | Mintos |
|---|---|---|
| Features | Mobile app | Crypto, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Legal entity | IUVO GROUP OÜ | SIA Mintos Payments |
| Headquarters | Estonia | Latvia |
| Founded | 2016 | 2015Lower |
| Support channels | Email, Chat, Phone | Email, Help centre, Community |
P2P lending
| Fact | iuvoSAVE | Mintos |
|---|---|---|
| Target return | 5% to 15%Higher | 9.2% |
| Minimum investment | €10Lower | €50 |
| Buyback guarantee | No | Not confirmed |
| Secondary market | Yes | Yes |
Where each stands against the rest
| Fact | iuvoSAVE | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | €50above the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.45% |
| Interest on cash | 5% to 7%highest quarter | 2.5%below the median | 3.25 |
Median across 53 listed brokers.
Pros and cons
iuvoSAVE
Pros
- Mobile app supports adding funds and retaining access to them at any time
- Originators pass checks on reputation, stability and compliance before publication
- Portal focuses on receivables with predictable structure for straightforward planning
Cons
- Receivables focus keeps the available range narrow around a single asset type
- Originator screening limits publication to approved names only
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
iuvoSAVE
Who it suits
- Investors who prefer mobile access to a P2P portal
- Investors who favour guided allocation through defined criteria
Who should look elsewhere
- Investors seeking broad asset coverage beyond receivables
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
Questions about each
iuvoSAVE
What is iuvoSAVE?+
iuvoSAVE is a P2P portal focused on purchase of receivables with access through a dedicated mobile app. The portal invites participants to add funds and manage activity in a few steps. The concept centres on receivables as an alternative suited to varied needs.
How does the iuvoSAVE mobile app work?+
The mobile app provides the main route for managing participation on the portal. Participants add funds through the app and keep access to them at any time. The design emphasises a small number of actions for straightforward use.
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.
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