Mintos
FCMC (Latvia)
Peaks
AFM
Mintos vs Peaks
Head-to-Head Comparison 2026
Our Verdict
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.
Comparison Table
| Criteria | Mintos | Peaks |
|---|---|---|
| Rating | 3.6/5 (890 reviews) | 3.8/5 (620 reviews)✓ |
| Regulation | FCMC (Latvia) | AFM |
| Fees | No platform fee, returns from loan interest, ETFs from €0 | €1 or €2 per month + 0.5% p.a. fund costs |
| Min. Deposit | 50 € | 1 € |
| Instruments | P2P Loans, ETFs, Fractional Bonds | ETFs, ETF-Portfolios |
| Platforms | Mintos Web, Mintos App | Peaks App |
| Options Trading | No | No |
| Founded | 2015 | 2016 |
| Headquarters | Riga | Amsterdam |
Detailed Comparison
Fee Comparison
Mintos: No platform fee, returns from loan interest, ETFs from €0. Minimum deposit: 50 €.
Peaks: €1 or €2 per month + 0.5% p.a. fund costs. Minimum deposit: 1 €.
Product Range
Mintos (3 categories)
Peaks (2 categories)
Trading Platforms
Mintos
- Mintos Web
- Mintos App
Peaks
- Peaks App
Regulation & Security
Mintos is regulated by FCMC (Latvia) (HQ: Riga).
Peaks is regulated by AFM (HQ: Amsterdam).
Who Is It For?
Mintos
European 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
Peaks
Micro-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
Frequently Asked Questions
Is Mintos or Peaks cheaper?
Which broker offers more products: Mintos or Peaks?
Which broker is better regulated?
Is Mintos or Peaks better for beginners?
Mintos vs Peaks: Which broker is better overall?
Mintos
European investment platform with loans, ETFs and fractional bonds
Open Account →From 50 € min. deposit
Peaks
Micro-investing app with automated savings and ETF portfolios
Open Account →From 1 € min. deposit