Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Nectaro
Where Mintos and Nectaro differ
| Compare |  Mintos |  Nectaro |
|---|---|---|
| Inactivity fee | €4.90 | €0Lower |
| Markets | Bonds, ETFs, CryptoCovers more | Bonds |
| Regulators | Latvijas Banka, LV LV | Latvijas Banka (Bank of Latvia) |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | No Nectaro withdrawal fee |
| Stock trade fee | Not confirmed | €0 |
| Currency conversion fee | 0.5% | Not confirmed |
| Platforms | Web, iOS, Android | Not confirmed |
| Account types | Not confirmed | Corporate |
| Interest on cash | 2.5% | Not confirmed |
Same on both: Minimum deposit (€50), Account fee (€0), Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Mintos scores higher overall: 9.0 vs 8.7.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Nectaro offers Latvijas Banka (Bank of Latvia).
- Inactivity fee is lower at Nectaro: €0 vs €4.90.
- Markets: only Mintos offers ETFs, Crypto.
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.
Nectaro
Nectaro suits investors in Europe seeking bond exposure with modest entry requirements, as the minimum deposit sits at €50 and the minimum investment per position is aligned for small portfolios. Support runs through email and help centre, while protection and cost structure suit patient income focused investors.
Score breakdown
| Area | Mintos | Nectaro |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.2HigherInactivity charge sits at €0 which supports low holding costs |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 8.4Coverage centres on bonds for income style allocations |
| Trust | 9.0Higher | 8.5Oversight by Latvijas Banka (Bank of Latvia) supports account safeguards |
Availability and regulation
| Country | Mintos | Nectaro |
|---|---|---|
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Latvijas Banka (Bank of Latvia) 27-55/2023/3 |
Positions in our rankings
| Ranking | Mintos | Nectaro |
|---|---|---|
| P2P lending platforms | 3 of 52 | 14 of 52 |
Every fact side by side
| Fact | Mintos | Nectaro |
|---|---|---|
| Features | Crypto, Mobile app | Not confirmed |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Experienced, Beginners |
| 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 | Nectaro |
|---|---|---|
| Target return | 9.2% | 10% to 14%Higher |
| Minimum investment | €50 | €50 |
| Buyback guarantee | Not confirmed | No |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Nectaro | Median |
|---|---|---|---|
| Minimum deposit | €50highest quarter | €50highest quarter | €1 |
| Stock trade fee | Not confirmed | €0below the median | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | €4.90above the median | €0at the median | €0 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.4% |
| Interest on cash | 2.5%below the median | Not confirmed | 3% |
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
Nectaro
Pros
- Account fee is €0 and No Nectaro withdrawal fee
- Stock trade fee is €0 with pricing following commission free
- Inactivity fee is €0, helpful if you buy and hold bonds
Cons
- Buyback guarantee is absent, so you carry full credit exposure on notes
- Range is limited to bonds, which feels narrow beside Interactive Brokers
- Support runs on email and help centre only, which limits urgent contact options
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
Nectaro
Who it suits
- Income focused investors who prefer bonds over shares and funds
- Small portfolio holders and firms wanting corporate access
- Buy and hold savers who value low custody charges
Who should look elsewhere
- Active equity traders who want broad share dealing should look at Interactive Brokers for wider market choice
- Investors who need phone support should consider Merrill Edge rather than relying on email help
Country by country
| Country | Mintos | Nectaro |
|---|---|---|
| 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.
Nectaro
What can I trade with Nectaro?+
Coverage centres on bonds, so holdings focus on debt rather than shares or funds. You should pair Nectaro with another broker if equity or fund holdings matter for diversification. This keeps return expectations tied to issuer strength and credit conditions.
What fees will I pay at Nectaro?+
Account fee is €0 and inactivity fee is €0, while stock trade fee is €0. No Nectaro withdrawal fee helps keep cash movements predictable for savers. You should still allow for bank charges that sit outside the platform price list.