Updated September 29, 2026 · BrokerCue Editorial Team
Mintos vs Zacks Trade
Where Mintos and Zacks Trade differ
| Compare |  Mintos |  Zacks Trade |
|---|---|---|
| Minimum deposit | €50 | $250 |
| Inactivity fee | €4.90 | $15 |
| Markets | Bonds, ETFs, Crypto | Stocks, ETFs, Options, Bonds, Funds |
| Regulators | Latvijas Banka, LV LV | FINRA |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Platforms | Web, iOS, Android | Zacks Trade Pro, Client Portal, Zacks Trade app |
| Stock trade fee | Not confirmed | $1 |
| Account fee | €0 | Not confirmed |
| Currency conversion fee | 0.5% | Not confirmed |
| Margin rate | Not confirmed | 8.83% |
| Options contract fee | Not confirmed | $1 |
| Deposit and withdrawal fees | Free bank transfer withdrawal; 2% card deposits | Not confirmed |
| Account types | Not confirmed | IRA |
| Interest on cash | 2.5% | Not confirmed |
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Key differences
- Mintos scores higher overall: 9.0 vs 8.7.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- Regulators: only Zacks Trade offers FINRA.
- Founded is lower at Zacks Trade: 2013 vs 2015.
- Markets: only Mintos offers Crypto.
- Markets: only Zacks Trade offers Stocks, Options, Funds.
- Platforms: only Mintos offers Web, iOS, Android.
- Platforms: only Zacks Trade offers Zacks Trade Pro, Client Portal, Zacks Trade app.
- Support channels: only Mintos offers Help centre, Community.
- Support channels: only Zacks Trade offers Chat, Phone.
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.
Zacks Trade
Zacks Trade is a US broker built for experienced traders and day traders who want options and margin, charging a stock trade fee of $1 and a minimum deposit of $250 on its IRA account. The catch is the $15 inactivity fee for anyone whose account sits idle.
Score breakdown
| Area | Mintos | Zacks Trade |
|---|---|---|
| Cost | 8.9HigherAccount fee of €0, an inactivity fee of €4.90 and a minimum deposit of €50. | 8.5Cheap trades at $1 a stock and $1 an option, offset by a $250 minimum deposit and a $15 inactivity fee. |
| Offer | 9.2Minimum investment of €50, target return of 9.2% and a secondary market. | 9.2 |
| Trust | 9.0Higher | 8.7 |
Positions in our rankings
| Ranking | Mintos | Zacks Trade |
|---|---|---|
| Stock and ETF brokers | 9 of 471 | 201 of 471 |
Feature by feature
| Markets | Mintos | Zacks Trade |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Options | No | Yes |
| Crypto | Yes | No |
| Bonds | Yes | Yes |
| Funds | No | Yes |
Every fact side by side
| Fact | Mintos | Zacks Trade |
|---|---|---|
| Features | Crypto, Mobile app | Mobile app, Options |
| Pricing model | Commission free | Low fees |
| Audience | Not confirmed | Experienced, Day traders |
| Legal entity | SIA Mintos Payments | LBMZ Securities Inc. |
| Headquarters | Latvia | United States |
| Founded | 2015 | 2013Lower |
| Support channels | Email, Help centre, Community | Email, Chat, Phone |
P2P lending
| Fact | Mintos | Zacks Trade |
|---|---|---|
| Target return | 9.2% | Not confirmed |
| Minimum investment | €50 | Not confirmed |
| Secondary market | Yes | Not confirmed |
Where each stands against the rest
| Fact | Mintos | Zacks Trade | Median |
|---|---|---|---|
| Stock trade fee | Not confirmed | $1highest quarter | $0 |
| Account fee | €0at the median | Not confirmed | €0 |
| Currency conversion fee | 0.5%above the median | Not confirmed | 0.45% |
| Margin rate | Not confirmed | 8.83%above the median | 8.75% |
| Options contract fee | Not confirmed | $1highest quarter | $0.625 |
| 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
Zacks Trade
Pros
- Simple per-trade pricing: $1 a stock, $1 an options contract, margin at 8.83%.
- FINRA registration under licence 7874, and client holdings sit with SIPC protection.
- Support covers email, chat and phone, so phone and chat are both available.
Cons
- The $15 inactivity fee sits above the €10 upper quartile among the brokers compared.
- A $250 minimum deposit is well above the €4.64 median on the site.
- Account types cover ira only, which rules out a taxable brokerage account for wider investing.
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
Zacks Trade
Who it suits
- Experienced traders and day traders who already know the markets they trade.
- US investors who want an IRA and plan to trade options or use margin.
- Investors who will keep trading, since the inactivity fee applies once an account goes quiet.
Who should look elsewhere
- CFI, which takes a minimum deposit of $0 rather than $250.
- eToro, where a stock trade costs $0 against $1 here.
- Vantage, with a minimum deposit of $5, which suits a smaller starting balance.
Country by country
| Country | Mintos | Zacks Trade |
|---|---|---|
| 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.
Zacks Trade
What does it cost to trade stocks and options?+
Stocks cost $1 per trade and options contracts $1, and the account opens at a minimum deposit of $250. Margin runs at 8.83%. Every figure here applies to the IRA account, which is the account type on offer.
Is my money protected and who regulates the broker?+
Zacks Trade is registered with FINRA under licence 7874, and the legal entity behind the brand is LBMZ Securities Inc. Client holdings sit with SIPC protection, which is the scheme covering money in the account rather than the firm's own balance sheet.
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