Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Trade Nation
What sets them apart
| Compare |  Mintos |  Trade Nation |
|---|---|---|
| Minimum deposit | €50 | $0 |
| Inactivity fee | €4.90 | $0 |
| Markets | Bonds, ETFs, Crypto | Forex, CFDs, Spread betting |
| Regulators | Latvijas Banka, LV LV | FCA |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Free deposits and withdrawals |
| Platforms | Web, iOS, Android | TN Trader |
| Account fee | €0 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 57.1% |
| Currency conversion fee | 0.5% | Not confirmed |
| Maximum retail leverage | Not confirmed | 30:1 |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Mintos scores higher overall: 9.0 vs 8.9.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Trade Nation offers FCA.
- Markets: only Mintos offers Bonds, ETFs, Crypto.
- Markets: only Trade Nation offers Forex, CFDs, Spread betting.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Trade Nation offers TN Trader.
- Features: only Mintos offers 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.
Trade Nation
Trade Nation suits UK retail traders who want a regulated, no-frills CFD account with nothing to pay for holding it. The minimum deposit is $0 and the inactivity fee is $0, so the running cost of an idle account sits at the very bottom of our table.
Score breakdown
| Area | Mintos | Trade Nation |
|---|---|---|
| Cost | 8.9Account fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 9.6HigherInactivity fee of $0, minimum deposit of $0 and Free deposits and withdrawals for funding, all at the cheap end. |
| Offer | 9.2HigherMinimum investment of €50, target return of 9.2% and a secondary market. | 8.5 |
| Trust | 9.0Higher | 8.6 |
Feature by feature
| Markets | Mintos | Trade Nation |
|---|---|---|
| ETFs | Yes | No |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | No |
| Bonds | Yes | No |
| Spread betting | No | Yes |
Which one suits you
Pick Mintos if offer and trust matter most.
Pick Trade Nation if cost matter most.
Availability and regulation
| Country | Mintos | Trade Nation |
|---|---|---|
| Latvia | LV_LV PSD_EMI LV_FCMC!723 | Not confirmed |
| United Kingdom | Not confirmed | FCA 525164 |
Sources behind this comparison
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
Trade Nation
- forexrev.com: 4 facts, checked September 26, 2026
- tradenation.com: 3 facts, checked September 26, 2026
- fxscouts.com.au: 2 facts, checked September 26, 2026
- safeforexbrokers.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Mintos | Trade Nation |
|---|---|---|
| Features | Crypto, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Legal entity | SIA Mintos Payments | Trade Nation Financial UK Ltd |
| Headquarters | Latvia | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre, Community | Not confirmed |
P2P lending
| Fact | Mintos | Trade Nation |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Trade Nation | Median |
|---|---|---|---|
| Account fee | €0at the median | Not confirmed | €0 |
| Retail accounts that lose money | Not confirmed | 57.1%lowest quarter | 72.05% |
| 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
Trade Nation
Pros
- Minimum deposit of $0, top of our list on deposits
- Inactivity fee of $0, also top of our list
- Free deposits and withdrawals, so moving money on and off carries no charge
Cons
- Markets are limited to forex, cfds and spread betting, so there is no share dealing alongside the CFDs
- Retail accounts that lose money stand at 57.1%, lower than most brokers on our table but still a majority
- Only one platform, TN Trader, with a mobile app as the stated feature
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
Trade Nation
Who it suits
- UK traders who want an FCA regulated account with no minimum balance
- Anyone who keeps a CFD account open for months and does not want an inactivity charge
- Beginners who prefer one clear platform, TN Trader, rather than a choice
Who should look elsewhere
- Buy and hold investors, since markets run to forex, cfds and spread betting only
- Traders who want crypto, futures or options, none of which sit in forex, cfds and spread betting
- Anyone wanting several platforms, as only TN Trader is listed
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.
Trade Nation
What is the minimum deposit at Trade Nation?+
The minimum deposit is $0, which is 1 of 213 brands in our table. You can open an account with a small balance and add more whenever you want. Deposits themselves carry no charge, since Free deposits and withdrawals.
Does Trade Nation charge an inactivity fee?+
The inactivity fee is $0, which puts it at 1 of 56 brands on that measure. If your account sits unused for a while, there is no monthly deduction for holding it open.
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