Updated September 29, 2026 · BrokerCue Editorial Team
Kraken vs Mintos
Where Kraken and Mintos differ
| Compare |  Kraken |  Mintos |
|---|---|---|
| Minimum deposit | $1 | €50 |
| Markets | Stocks, ETFs, Forex, Crypto, Futures | Bonds, ETFs, Crypto |
| Regulators | Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI) | Latvijas Banka, LV LV |
| Deposit and withdrawal fees | Free bank deposits, card 3.75% + 0.25 | Free bank transfer withdrawal; 2% card deposits |
| Platforms | Kraken App, Kraken Pro, Kraken Desktop, Kraken Wallet | Web, iOS, Android |
| Stock trade fee | $0 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Currency conversion fee | Not confirmed | 0.5% |
| Maximum retail leverage | Up to 10x | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Kraken scores higher overall: 9.2 vs 9.0.
- Regulators: only Kraken offers Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Kraken is licensed in 1 more country.
- Markets: only Kraken offers Stocks, Forex, Futures.
- Markets: only Mintos offers Bonds.
- Platforms: only Kraken offers Kraken App, Kraken Pro, Kraken Desktop.
- Platforms: only Mintos offers Web, iOS, Android.
Our verdict on each
Kraken
Kraken suits beginners and experienced investors who want stocks, ETFs and crypto together through app and desktop access. Stock dealing is priced at $0 with entry at $1 and funding terms shown as Free bank deposits, card 3.75% + 0.25 for cost planning across small balance accounts.
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 | Kraken | Mintos |
|---|---|---|
| Cost | 9.3HigherStock dealing is priced at $0 with entry at $1. | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. |
| Offer | 9.0Coverage spans stocks, ETFs and forex accessed through Kraken App, Kraken Pro and Kraken Desktop. | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. |
| Trust | 9.3HigherRegisters cite 1010381 and 31000270997766. | 9.0 |
Side by side, item by item
| Markets | Kraken | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Futures | Yes | No |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
Positions in our rankings
| Ranking | Kraken | Mintos |
|---|---|---|
| Stock and ETF brokers | 16 of 471 | 9 of 471 |
Where each is licensed and available
| Country | Kraken | Mintos |
|---|---|---|
| Ireland | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 IE_CBI PSD_EMI IE_CBI!C453020 | Not confirmed |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| United States | SIPC SIPC member 71030 | Not confirmed |
Where these facts come from
Kraken
- kraken.com: 9 facts, checked September 28, 2026
- support.kraken.com: 2 facts, checked September 28, 2026
Mintos
- mintos.com: 13 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 | Kraken | Mintos |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Email, Help centre, Community |
P2P lending
| Fact | Kraken | Mintos |
|---|---|---|
| Target return | Not confirmed | 9.2% |
| Minimum investment | Not confirmed | €50 |
| Secondary market | Not confirmed | Yes |
Where each stands against the rest
| Fact | Kraken | Mintos | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | Not confirmed | €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 | Not confirmed | 2.5%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Kraken
Pros
- Stock trades priced at $0 within a model shown as commission free.
- Entry at $1, below $50 at eToro for smaller starting balances.
- Coverage spans stocks, ETFs and forex, pairing stocks and ETFs with crypto and futures.
Cons
- Support runs on help centre only, without phone or live chat help found at many rivals.
- Card funding terms run Free bank deposits, card 3.75% + 0.25, which adds cost next to bank transfer options.
- Entry at $1 sits above $0 at ActivTrades and €0 at XTB for tight budgets.
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
Kraken
Who it suits
- You want stocks plus crypto in stocks, ETFs and forex in a single login rather than an equity only account at XTB.
- You want app led dealing through Kraken App, Kraken Pro and Kraken Desktop with modest entry at $1 rather than higher entry at eToro at $50.
Who should look elsewhere
- You want phone or chat help rather than help centre only, consider XTB or ActivTrades for wider contact choice.
- You want the lowest cash entry rather than $1, consider ActivTrades at $0 or XTB at €0.
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
Kraken
What does Kraken charge for stock trades+
Stock dealing is priced at $0 and Kraken describes its model as commission free. Bank funding is framed separately as Free bank deposits, card 3.75% + 0.25, so card use adds cost while bank transfer terms remain distinct. Check the fee schedule before placing orders.
What is the minimum deposit to open an account+
Account entry is set at $1. That level sits below $50 at eToro, yet above $0 at ActivTrades and €0 at XTB. It keeps starting balances modest while leaving room for funding charges.
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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