Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Octa
Mintos vs Octa: the differences
| Compare |  Mintos |  Octa |
|---|---|---|
| Minimum deposit | €50 | $25 |
| Inactivity fee | €4.90 | $0 |
| Markets | Bonds, ETFs, Crypto | Forex, CFDs, Crypto, Metals |
| Regulators | Latvijas Banka, LV LV | CySEC |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | No deposit or withdrawal fees |
| Platforms | Web, iOS, Android | MT4, MT5, OctaTrader, CTrader |
| Stock trade fee | Not confirmed | $0 |
| Account fee | €0 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 66% |
| Currency conversion fee | 0.5% | Not confirmed |
| EUR/USD spread | Not confirmed | 0.9% |
| Maximum retail leverage | Not confirmed | 1:30 |
| Interest on cash | 2.5% | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Octa offers CySEC.
- Founded is lower at Octa: 2011 vs 2015.
- Markets: only Mintos offers Bonds, ETFs.
- Markets: only Octa offers Forex, CFDs, Metals.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Octa offers MT4, MT5, OctaTrader.
- Features: only Mintos offers Mobile app.
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.
Octa
Octa suits traders who want a regulated EU broker with a small entry amount and no account costs. It pairs a minimum deposit of $25 with a stock trade fee of $0 and an inactivity fee of $0, backed by CySEC and EU investor compensation.
Score breakdown
| Area | Mintos | Octa |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.1HigherFees of $0 on shares, $0 inactivity charge and No deposit or withdrawal fees, against a minimum deposit of $25. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.4Higher |
| Trust | 9.0Higher | 8.8 |
Feature by feature
| Markets | Mintos | Octa |
|---|---|---|
| ETFs | Yes | No |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Metals | No | Yes |
What we checked
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
Octa
- octaeu.com: 8 facts, checked September 26, 2026
- en.octapk.info: 4 facts, checked September 26, 2026
- wikifx.com: 2 facts, checked September 26, 2026
- tradersunion.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Octa |
|---|---|---|
| Features | Crypto, Mobile appCovers more | Crypto |
| Pricing model | Commission free | Commission free |
| Legal entity | SIA Mintos Payments | Octa Markets Cyprus Ltd |
| Headquarters | Latvia | Not confirmed |
| Founded | 2015 | 2011Lower |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | Octa |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Octa | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | €0at the median | Not confirmed | €0 |
| Retail accounts that lose money | Not confirmed | 66%lowest quarter | 72.05% |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| EUR/USD spread | Not confirmed | 0.9%above the median | 0.65% |
| Interest on cash | 2.5%below the median | Not confirmed | 3% |
Median across 91 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
Octa
Pros
- No stock trade fee, at $0, while the broker operates a commission free model
- Inactivity fee of $0, so dormant balances are not drained
- Deposit and withdrawal charges are clear: No deposit or withdrawal fees
Cons
- Minimum deposit of $25 is above the site median of €4.64
- EUR/USD spread of 0.9% sits in commission free pricing, so cost is built into the spread
- Retail accounts that lose money sit at 66%
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
Octa
Who it suits
- Traders who want a CySEC regulated EU broker and value compensation cover
- Forex and CFD traders who prefer commission free pricing in the spread
- Anyone who wants to fund an account without deposit or withdrawal charges
Who should look elsewhere
- CFI, whose minimum deposit of $0 is lower than Octa's
- eToro, whose markets list of stocks, etfs and forex includes shares and ETFs that Octa does not cover
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.
Octa
How much does Octa charge to open and use an account?+
The stock trade fee is $0 and the inactivity fee is $0, so holding an open position costs nothing extra. Octa runs a commission free model, which means the trading cost sits in the spread rather than in a separate commission. Funding in and out carries No deposit or withdrawal fees.
Who regulates Octa and what protection does it carry?+
Octa is regulated by CySEC in Cyprus, and the contracting entity is Octa Markets Cyprus Ltd. Client money is covered by the EU investor compensation scheme, and the stated limit is EU ICS up to EUR 20,000. Read the cover as a cap: it marks the point above which a claim falls outside the scheme.
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