MintosNo platform fee, returns from loan interest, ETFs from €0
- Published fee
- No platform fee, returns from loan interest, ETFs from €0
- Minimum deposit
- 50 €
Broker comparison
Mintos vs.
Peaks
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonMintos
PeaksVS
Summary
Your goal decides.
Peaks has a higher rating of 3.8/5 compared to Mintos (3.6/5). Mintos offers 3 instrument types, while Peaks offers 2. The minimum deposit is lower at Peaks with 1 €. Mintos has been in the market since 2015, making it the more experienced provider.
MintosEuropean investment platform with loans, ETFs and fractional bonds
PeaksMicro-investing app with automated savings and ETF portfolios
At a glance
The key differences
| Criterion | Mintos | Peaks |
|---|---|---|
| Platforms | Mintos Web, Mintos App | Peaks App |
| Product types | P2P Loans, ETFs, Fractional Bonds | ETFs, ETF-Portfolios |
| Options trading | No | No |
| Fee model | No platform fee, returns from loan interest, ETFs from €0 | €1 or €2 per month + 0.5% p.a. fund costs |
| Minimum deposit | 50 € | 1 € |
| Regulation | FCMC (Latvia) | AFM |
| More information | Details | Details |
Platforms
Mintos
Mintos Web, Mintos App
Peaks
Peaks App
Product types
Mintos
P2P Loans, ETFs, Fractional Bonds
Peaks
ETFs, ETF-Portfolios
Options trading
Mintos
No
Peaks
No
Fee model
Mintos
No platform fee, returns from loan interest, ETFs from €0
Peaks
€1 or €2 per month + 0.5% p.a. fund costs
Minimum deposit
Mintos
50 €
Peaks
1 €
Regulation
Mintos
FCMC (Latvia)
Peaks
AFM
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
MintosPeaks€1 or €2 per month + 0.5% p.a. fund costs
- Published fee
- €1 or €2 per month + 0.5% p.a. fund costs
- Minimum deposit
- 1 €
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
MintosCheck the provider’s execution policy and available order types for your account.
Provider informationPeaksCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
MintosP2P LoansETFsFractional Bonds
PeaksETFsETF-Portfolios
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
MintosMintos Web · Mintos App
Mintos offers the Mintos Web platform and the Mintos App. The platform provides automated investment strategies, manual loan selection, ETF trading, portfolio overview, and a secondary market for loans. The app enables mobile access to all features.
Explore platformPeaksPeaks App
Peaks exclusively offers the Peaks App. The app enables automatic investing through rounding up card payments, one-time contributions, and recurring deposits. The interface shows portfolio performance, transaction history, and rounding-up overview. There is no web platform.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
MintosEuropean investment platform with loans, ETFs and fractional bonds
- FCMC-regulated as licensed investment platform
- Diversification across loans, ETFs and bonds
- Automated investment strategies available
- P2P loans carry elevated default risk
- Latvian regulation less known than BaFin/FCA
PeaksMicro-investing app with automated savings and ETF portfolios
- Automatic investing through rounding up card payments
- AFM-regulated in the Netherlands
- Ideal for beginners and micro-investing
- Flat monthly fee disadvantageous for small amounts
- No individual stock selection possible
Find the broker that fits
Mintos oder Peaks?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
Your questions
Frequently asked questions
How do fees differ between Mintos and Peaks?
Mintos: No platform fee, returns from loan interest, ETFs from €0. Peaks: €1 or €2 per month + 0.5% p.a. fund costs. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Mintos or Peaks?
Mintos offers P2P Loans, ETFs, Fractional Bonds. Peaks offers ETFs, ETF-Portfolios.
How are Mintos and Peaks regulated?
The broker profiles list FCMC (Latvia) for Mintos and AFM for Peaks. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Mintos or Peaks better for beginners?
Mintos lists a 50 € minimum deposit and offers Mintos Web, Mintos App. Peaks lists 1 € and offers Peaks App. Compare usability, available products and costs for your intended use.
Mintos vs Peaks: Which broker is better overall?
The choice between Mintos (3.6/5, 890 reviews) and Peaks (3.8/5, 620 reviews) depends on your needs. Mintos: European investment platform with loans, ETFs and fractional bonds. Peaks: Micro-investing app with automated savings and ETF portfolios.
Your next step
Your next step
MintosEuropean investment platform with loans, ETFs and fractional bonds
Open accountRead reviewPeaksMicro-investing app with automated savings and ETF portfolios
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.