Updated October 17, 2026 · SumCue Editorial Team
AGORA direct™ vs Mintos
Mintos
Higher score in this comparison
AGORA direct™
AGORA direct™ vs Mintos: the differences
| Compare | AGORA direct™ReviewSee alternativesSee alternatives | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | €0Lower | €50 |
| Markets | Stocks, ETFs, Options, Futures, CFDs, Crypto, Bonds, Funds, Forex, MetalsCovers more | Bonds, ETFs, Crypto |
| Platforms | Web, Mobile App, Desktop | Web, iOS, Android |
| Inactivity fee | Not confirmed | €4.90 |
| Regulators | Not confirmed | Latvijas Banka, LV LV |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | 69.03% | Not confirmed |
| Currency conversion fee | Not confirmed | 0.5% |
| Margin rate | 9.326% | Not confirmed |
| Options contract fee | €1.98 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Account types | Joint, Corporate | Not confirmed |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Account fee (€0).
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Key differences
- Mintos scores higher overall: 9.2 vs 9.1.
- Minimum deposit is lower at AGORA direct™: €0 vs €50.
- Markets: only AGORA direct™ offers Stocks, Options, Futures.
- Platforms: only AGORA direct™ offers Mobile App, Desktop.
- Platforms: only Mintos offers iOS, Android.
- Support channels: only AGORA direct™ offers Phone.
- Support channels: only Mintos offers Email, Help centre, Community.
- Features: only AGORA direct™ offers Fractional shares, Demo account.
- Features: only Mintos offers Crypto.
- Pricing model: only AGORA direct™ offers Low fees.
Our verdict on each
AGORA direct™
AGORA direct's application asks whether the applicant wants to open a trading account and requests personal, regulatory and tax information.
Mintos
Mintos suits savers who want a euro account that pays interest on cash and holds investments in the same place. The account fee is €0 and the minimum deposit €50, so the running cost is thin, while an inactivity fee of €4.90 catches balances left untouched.
Score breakdown
| Area | AGORA direct™ | Mintos |
|---|---|---|
| Cost | 9.5Higher | 8.9A €0 account fee and bank transfers at no cost keep the base low, with €4.90 for inactivity and 0.5% on conversion. |
| Offer | 9.2Higher | 9.1Bonds, ETFs and crypto sit in bonds, etfs and crypto, cash pays 2.5% and entry starts at €50, a compact mix for a small saver. |
| Trust | 9.3 | 9.4Higher |
How they place
| Ranking | AGORA direct™ | Mintos |
|---|---|---|
| Investing | 149 of 654 | 14 of 654 |
| Stock and ETF brokers | 108 of 358 | 10 of 358 |
| Trading platforms | 23 of 24 | 7 of 24 |
Every fact side by side
| Fact | AGORA direct™ | Mintos |
|---|---|---|
| Features | Fractional shares, Mobile app, Demo account | Crypto, Mobile app |
| Pricing model | Low fees | Commission free |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | Not confirmed | SIA Mintos Payments |
| Headquarters | Germany | Latvia |
| Founded | 1999 | Not confirmed |
| Support channels | Phone | Email, Help centre, Community |
Where each stands against the rest
| Fact | AGORA direct™ | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €0below the median | €50highest quarter | €1 |
| Account fee | €0at the median | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Retail accounts that lose money | 69.03%below the median | Not confirmed | 72.21% |
| Currency conversion fee | Not confirmed | 0.5%above the median | 0.4% |
| Margin rate | 9.326%above the median | Not confirmed | 8.83% |
Median across 80 listed providers.
Pros and cons
AGORA direct™
Pros
- AGORA direct's application asks whether the applicant wants to open a trading account and requests personal, regulatory and tax information.
- It does not establish a specific live-account jurisdiction or acceptance.
Cons
- Leveraged products such as contracts for difference and futures carry high risk.
- The business is built around self-directed trading, which leaves less room for personal guidance.
Mintos
Pros
- The account fee is €0, so holding a balance open costs nothing month after month.
- The dealing model in commission free means no charge on each trade, and bonds, etfs and crypto puts bonds, ETFs and crypto in the same place.
- Cash parked on the platform earns 2.5%, so idle money still pays while you decide.
Cons
- An inactivity fee of €4.90 can be charged on a balance left unused, so a forgotten account still costs money.
- Money in and out is uneven: Free bank transfer withdrawal; 2% card deposits, so card top-ups cost where a bank transfer does not.
- Converting currency runs at 0.5%, which is the fee to watch if you hold money outside the euro.
Who each suits
AGORA direct™
Who it suits
- Applicants reviewing AGORA direct's account application fields
Who should look elsewhere
- Investors who want advice on every decision
- Cautious investors who want low-risk products only
Mintos
Who it suits
- Savers in the euro area who want cash interest alongside bond, ETF and crypto holdings without paying per trade.
- People who prefer one place for money and markets, using the mobile app in crypto and mobile app and the platforms in Web, iOS and Android.
- First-time investors who would rather not pay a commission on every trade and start from €50.
Who should look elsewhere
- Not for people who want a smaller first transfer than €50: bunq lists a minimum deposit of €10.
- Not for traders who are content to start with nothing: CFI has a minimum deposit of $0.
- Not for people weighing a Mexican lender: Fiesta Credito MX is listed with CONDUSEF rather than the Latvijas Banka register here.
Questions about each
AGORA direct™
Which markets can clients trade through the broker?+
Clients can reach shares, exchange-traded funds, futures, options, contracts for difference, bonds, funds, currency pairs and precious metals. Cryptocurrency exposure is offered through futures and similar products. The range reaches many exchanges worldwide, which lets experienced traders work across regions from one place.
Is the broker overseen by a financial regulator?+
The company is supervised by BaFin, the German federal financial regulator. Its parent, First Quant GmbH, is a securities institution based in Berlin. Customer assets are kept separately from company funds, and the business is linked to an investor compensation scheme for securities trading firms.
Mintos
Does Mintos charge a monthly account fee?+
No. The account fee is €0, so keeping the account open costs nothing in monthly charges. The costs that do apply are the inactivity fee of €4.90, the currency conversion charge of 0.5% and a fee on card deposits.
What happens if I leave my account untouched?+
An inactivity fee of €4.90 can be charged on a balance that sits unused, so keep a little activity or move the money out before it costs you. The account fee of €0 keeps applying while the account is open.
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AGORA direct™