Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Titan
What sets them apart
| Compare |  Mintos |  Titan |
|---|---|---|
| Minimum deposit | €50 | $500 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Bonds, Crypto, FundsCovers more |
| Regulators | Latvijas Banka, LV LV | Securities and Exchange Commission (SEC) |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Platforms | Web, iOS, Android | Web, Mobile app |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €4.90 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Not confirmed |
| 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
- Mintos scores higher overall: 9.0 vs 8.5.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Titan offers Securities and Exchange Commission (SEC).
- Founded is lower at Mintos: 2015 vs 2017.
- Markets: only Titan offers Stocks, Funds.
- Platforms: only Mintos offers iOS, Android.
- Platforms: only Titan offers Mobile app.
- Support channels: only Mintos offers Email, Community.
- Pricing model: only Mintos offers Commission free.
- Pricing model: only Titan offers Low fees.
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.
Titan
Titan is a US robo-advisor for investors who want a portfolio run for them, with a single management fee of 0.4% across holdings in stocks, etfs and bonds. The trade-off is entry size: a minimum investment of $500 keeps small savers out, though the money sits under SIPC up to USD 500,000.
Score breakdown
| Area | Mintos | Titan |
|---|---|---|
| Cost | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 8.3Management fee of 0.4% matches the site median of 0.4%; minimum investment of $500 sits above €25. |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 8.8 |
| Trust | 9.0Higher | 8.5 |
What each covers
| Markets | Mintos | Titan |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | Yes | Yes |
| Funds | No | Yes |
Where these facts come from
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
Titan
- titan.com: 11 facts, checked September 26, 2026
How they place
| Ranking | Mintos | Titan |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 215 of 471 |
Every fact side by side
| Fact | Mintos | Titan |
|---|---|---|
| Features | Crypto, Mobile app | Crypto, Mobile app |
| Pricing model | Commission free | Low fees |
| Legal entity | SIA Mintos Payments | Titan Global Capital Management USA LLC |
| Headquarters | Latvia | United States |
| Founded | 2015Lower | 2017 |
| Support channels | Email, Help centre, CommunityCovers more | Help centre |
P2P lending
| Fact | Mintos | Titan |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | $500 |
| Secondary market | Yes | Not confirmed |
Robo-advisors
| Fact | Mintos | Titan |
|---|---|---|
| Management fee | Not confirmed | 0.4% |
| Portfolio types | Not confirmed | Cash, Crypto |
Where each stands against the rest
| Fact | Mintos | Titan | Median |
|---|---|---|---|
| Account fee | €0at the median | Not confirmed | €0 |
| Inactivity fee | €4.90above the median | Not confirmed | €2.45 |
| 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 52 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
Titan
Pros
- A single management fee of 0.4% covers the managed portfolio, so the running cost is easy to forecast.
- Regulated in the US by the Securities and Exchange Commission, with holdings under SIPC up to USD 500,000.
- Holdings span stocks, etfs and bonds, so crypto sits alongside the usual assets rather than needing a second provider.
Cons
- Minimum investment of $500 and minimum deposit of $500 sit well above the site median of €25.
- Support runs on help centre only, so there is no direct phone or email line for questions.
- Portfolio choice is narrow, limited to cash and crypto.
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
Titan
Who it suits
- US investors who want a robo-managed portfolio and not to monitor it day to day.
- Savers who can start from $500 and hand the decisions to a manager.
- Investors comfortable with a cash sleeve alongside crypto.
Who should look elsewhere
- Small savers: CFI takes a minimum deposit of $0, against $500 here.
- Direct traders: eToro covers stocks, etfs and forex, wider than stocks, etfs and bonds.
- Small-account traders: Vantage asks $5 to get going.
Country by country
| Country | Mintos | Titan |
|---|---|---|
| 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.
Titan
What does Titan charge?+
The running cost is a management fee of 0.4% on the portfolio, the same as the site median of 0.4%. Because the account is managed for you, that fee is the line to compare rather than a price per trade.
Is Titan regulated and is my money protected?+
Titan Global Capital Management USA LLC is registered with the Securities and Exchange Commission in the US, and holdings sit under SIPC up to USD 500,000. That cover is a limit on broker failure, not a guarantee on what an account earns.
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