Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs SoFi
Where Mintos and SoFi differ
| Compare |  Mintos |  SoFi |
|---|---|---|
| Minimum deposit | €50 | $0 |
| Account fee | €0 | $0 |
| Inactivity fee | €4.90 | $0 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Options, Crypto |
| Regulators | Latvijas Banka, LV LV | SIPC, FDIC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Stock trade fee | Not confirmed | $0 |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Not confirmed |
| Platforms | Web, iOS, Android | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Interest on cash | 2.5% | Not confirmed |
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
- SoFi scores higher overall: 9.3 vs 9.0.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only SoFi offers SIPC, FDIC.
- Founded is lower at SoFi: 2011 vs 2015.
- Markets: only Mintos offers Bonds.
- Markets: only SoFi offers Stocks, Options.
- Features: only SoFi offers Fractional shares.
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.
SoFi
SoFi suits retirement savers in the US, with a stock trade fee of $0, an account fee of $0 and a minimum deposit of $0. The named licences are US registrations, so readers outside the US should check the account types and terms first.
Score breakdown
| Area | Mintos | SoFi |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.5HigherRanks 1 of 161 on stock trade fee, 1 of 138 on account fee, 1 of 56 on inactivity fee. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.4Higher |
| Trust | 9.0 | 9.2Higher |
Where each is licensed and available
| Country | Mintos | SoFi |
|---|---|---|
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 68389 FDIC FDIC cert 26881 |
Positions in our rankings
| Ranking | Mintos | SoFi |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 80 of 471 |
Every fact side by side
| Fact | Mintos | SoFi |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Fractional shares, Mobile appCovers more |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | SIA Mintos Payments | SOFI SECURITIES LLC |
| Headquarters | Latvia | United States |
| Founded | 2015 | 2011Lower |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | SoFi |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | SoFi |
|---|---|---|
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Mintos | SoFi | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| 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
SoFi
Pros
- A stock trade costs $0 on a commission free model, so cost does not decide which shares you can hold.
- The account fee is $0 and the inactivity fee is $0, so extra accounts and balances left untouched are not billed.
- The minimum deposit is $0 where Vantage asks $5, so a small amount can start an account.
Cons
- The account types listed are ira, roth ira and joint, retirement and joint accounts, and a general taxable account is not among them.
- Markets stop at stocks, etfs and options, while eToro lists stocks, etfs and forex, so forex, CFDs and futures are out of reach here.
- The group sits in US and its registrations are SIPC member 68389 and FDIC cert 26881, with no UK or EU regulator named.
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
SoFi
Who it suits
- Beginners, which the audience fact lists as beginners, who want to start small with a $0 minimum deposit.
- Retirement savers who want an IRA, a Roth IRA or a joint account at $0 in account fees.
- Fractional share buyers who want crypto and equities in the same app, as the feature list crypto, fractional shares and mobile app shows.
Who should look elsewhere
- Traders after forex, CFDs or futures, since eToro lists stocks, etfs and forex and SoFi lists stocks, etfs and options.
- Investors who want a broader spread of instruments than shares, ETFs, options and crypto, since CFI lists stocks, etfs and forex.
- Readers who need a UK or EU regulated provider, because the licences named are SIPC member 68389 and FDIC cert 26881.
Country by country
| Country | Mintos | SoFi |
|---|---|---|
| United States | No | Yes |
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.
SoFi
What does it cost to open and hold a SoFi account?+
The published minimum deposit is $0, the account fee is $0 and the inactivity fee is $0, so opening and holding an account adds no charge on the listed terms. Those are account level figures, which is the first thing to check before you choose a wrapper or leave a balance untouched.
What does a stock trade cost?+
A stock trade costs $0 and the pricing model is commission free, so commission does not decide which shares you can hold. Other brands on the site charge a stock trade fee as high as €17.54, and the account fee of $0 and inactivity fee of $0 add nothing on top.
Other options to compare
Other matchups
- Mintos vs Afranga
- Mintos vs Nectaro
- Mintos vs Scalable Capital
- Mintos vs TradeStation
- Mintos vs tastytrade
- Mintos vs Trading 212
- Mintos vs Charles Schwab
- Mintos vs Merrill Edge
- Mintos vs Plum
- Mintos vs Public
- Mintos vs Webull
- Mintos vs GO Markets
- Mintos vs Finhabits
- Mintos vs flatex Online-Broker (DE)
- Mintos vs IC Markets
- Mintos vs quirion
- Mintos vs Trade Nation
- Mintos vs CFI
- Mintos vs ActivTrades
- Mintos vs XTB
- Mintos vs NAGA
- Mintos vs UNest
- SoFi vs eToro
- Mintos vs Linxea
- Mintos vs bunq
- Mintos vs Robinhood
- Mintos vs Kraken
- SoFi vs EBC Financial Group
- Mintos vs CapTrader