Mintos
Pros
- MiFID II investment firm regulated by Latvijas Banka
- Loans, bonds, ETFs, and Smart Cash in one account
- Low €50 minimum with automated portfolios
- Loans historically average around 11% per year
Cons
- Loans carry real credit and default risk
- 0.85% fee to sell early on the Secondary Market
- No bank deposit guarantee; capital at risk