Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs NAGA
Where Mintos and NAGA differ
| Compare |  Mintos |  NAGA |
|---|---|---|
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Forex, CFDs, Futures, Crypto |
| Regulators | Latvijas Banka, LV LV | Cyprus Securities and Exchange Commission |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | No withdrawal fee |
| Platforms | Web, iOS, Android | iOS, Android, Web, MetaTrader 5Covers more |
| Interest on cash | 2.5%Higher | 2.4% |
| Stock trade fee | Not confirmed | €3 |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €4.90 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 70.45% |
| Currency conversion fee | 0.5% | Not confirmed |
Same on both: Minimum deposit (€50), Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Mintos scores higher overall: 9.0 vs 8.7.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only NAGA offers Cyprus Securities and Exchange Commission.
- Markets: only Mintos offers Bonds.
- Markets: only NAGA offers Stocks, Forex, CFDs.
- Platforms: only NAGA offers MetaTrader 5.
- Interest on cash is higher at Mintos: 2.5% vs 2.4%.
- Features: only NAGA offers Copy trading.
Our verdict on each
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.
NAGA
NAGA suits mobile copy traders who want stocks, ETFs, forex, CFDs, futures and crypto alongside social features in the same app. Opening starts at €50, while stock trades carry €3, so active share buyers should weigh costs against broader choice.
Score breakdown
| Area | Mintos | NAGA |
|---|---|---|
| Cost | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 8.5Stock trades cost €3; withdrawals show No withdrawal fee. |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 9.1Coverage spans stocks, ETFs and forex via iOS, Android and Web for desktop plus mobile. |
| Trust | 9.0Higher | 8.5Cover sits at EU ICS up to EUR 20,000 under Cyprus oversight. |
Availability and regulation
| Country | Mintos | NAGA |
|---|---|---|
| Cyprus | Not confirmed | |
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
If neither fits
ActivTrades has interest on cash at 3.3%, against 2.5% for Mintos and 2.4% for NAGA.
ActivTrades reviewHow they place
| Ranking | Mintos | NAGA |
|---|---|---|
| Stock and ETF brokers | 9 of 490 | 4 of 490 |
Every fact side by side
| Fact | Mintos | NAGA |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Copy trading, Mobile appCovers more |
| Pricing model | Commission free | Not confirmed |
| Legal entity | SIA Mintos Payments | Not confirmed |
| Headquarters | Latvia | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | NAGA |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | NAGA | Median |
|---|---|---|---|
| Minimum deposit | €50highest quarter | €50highest quarter | €1 |
| Stock trade fee | Not confirmed | €3above the median | €1 |
| Account fee | €0at the median | Not confirmed | €0 |
| Inactivity fee | €4.90above the median | Not confirmed | €0 |
| Retail accounts that lose money | Not confirmed | 70.45%above the median | 70.375% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.4% |
Median across 38 listed brokers.
Pros and cons
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
NAGA
Pros
- Access stocks, ETFs and forex under a single login, covering shares through crypto for varied strategies.
- Trade via iOS, Android and Web, with MetaTrader 5 plus mobile apps for flexible order management.
- Withdrawals show No withdrawal fee, helped by No withdrawal fee for cost clarity.
Cons
- Stock trade fee sits at €3, which can weigh on frequent share buyers versus lower fee rivals.
- Support runs on help centre only, so help stays inside help centre without live chat or phone.
- Entry starts at €50, above ActivTrades at $0 for very small starters.
Who each suits
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
NAGA
Who it suits
- Social traders who follow others and want futures plus crypto alongside shares may prefer NAGA over eToro.
- Mobile led investors starting at €50 who accept €3 may prefer NAGA over ActivTrades.
Who should look elsewhere
- Cost sensitive share buyers who want lower ticket fees than €3 may prefer XTB.
- Traders wanting phone or live chat beyond help centre may prefer ActivTrades.
Country by country
| Country | Mintos | NAGA |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 30 countries where either is available.
Questions about each
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.
NAGA
What does NAGA charge for stock trades and withdrawals?+
Stock orders carry €3 per trade, and funding shows No withdrawal fee for withdrawals. Share buyers who trade often should compare that ticket charge with rivals before committing, as frequent dealing lifts total cost over time.
What is the minimum deposit to open a NAGA account?+
Trading can start at €50, which keeps entry modest for newcomers testing markets. Withdrawals show No withdrawal fee, so moving funds out does not add a separate withdrawal charge under current terms.
Other options to compare
Other matchups
- NAGA vs CFI
- NAGA vs IG
- NAGA vs Markets.com
- NAGA vs OANDA
- NAGA vs Exness
- NAGA vs Vantage Markets
- NAGA vs FXTM
- NAGA vs Vantage
- NAGA vs WH SelfInvest
- NAGA vs AvaTrade
- NAGA vs Errante
- NAGA vs Alchemy Markets
- NAGA vs Windsor Brokers
- NAGA vs IC Markets
- NAGA vs LiteFinance
- NAGA vs VT Markets
- Mintos vs ActivTrades
- NAGA vs DKB (Deutsche Kreditbank)
- Mintos vs XTB
- Mintos vs UNest
- Mintos vs Linxea
- Mintos vs bunq
- Mintos vs Bitpanda
- Mintos vs Robinhood
- NAGA vs S Broker
- NAGA vs EBC Financial Group
- NAGA vs CapTrader
- Mintos vs Afranga
- Mintos vs Nectaro