Build wealth with confidence

Mintos is a European investment platform designed to help you build long-term wealth through income-generating investments. With Mintos, you can invest in a mix of assets, including loans, bonds, ETFs, crypto, real estate, and money market funds - all in one place. This makes it easier to diversify your portfolio and manage your investments with a clear overview.

You can choose how hands-on you want to be. Set up an automated portfolio to invest for you, or build your own by selecting individual investments.

Mintos is a licensed investment firm under MiFID II and is trusted by nearly 700 000 registered users across Europe. Today, more than €800 million is invested on the platform. The focus is on making investing simple, transparent, and accessible - so you can grow your money with confidence over time.

Investment firms like Mintos are subject to financial regulation. In the EU, this includes MiFID II and other applicable regulations. This supervision provides additional protection for investors by making sure financial institutions follow established rules and requirements. In this regulated environment, investors benefit from additional layers of protection and transparency.

• Mintos is required to hold investors’ financial instruments and uninvested funds separately from its own assets.
• The investor compensation scheme protects investors by providing compensation if Mintos fails to return financial instruments or funds to investors.
• Mintos is required to safeguard investors from taking on excessive risk by assessing their individual situation.
• Investors are provided with in-depth information that aims to help them make well-informed investment decisions.

More about investor protection

Our platform is designed around the idea of building a passive income stream from your investments, whether it’s in loans, bonds, real estate, or multi-asset investing. We also offer ETF portfolios for building long-term wealth, and Smart Cash as a better way to manage your cash on a single platform.

If you want to create an account, simply click Create account on our website or in the Mintos app and follow these easy steps:

• Choose your account type – individual or company.
• Fill in your personal or company details, provide an email address where we can contact you, and select your country of residence.
• Choose a password.

That’s it, you’ve created an account! Before you start investing, there’s a few more things you need to do, such as answering some questions about your investment goals or topping up your account. But don’t worry, we’ll guide you every step of the way.

Your return depends on the performance of the assets in your portfolio. We focus on high-yield investments that earn passive income so that you can see your money grow from day one.

Passive income investing is an investment strategy focused on generating regular income. It typically involves allocating capital to assets that yield recurring returns over time. This strategy can be appealing for investors seeking financial independence or a steady income stream without being tied to active work. Common forms of passive income investing include loans, bonds, rental properties, and dividend stocks.

When you invest in one of the asset classes that generate regular income on Mintos—loans, bonds, real estate, and Smart Cash—interest on your investments will start accruing from day one. The accrued interest will be paid out to your Mintos account in regular intervals, depending on the investment. The more you grow your portfolio, the larger your income stream can be.

Mintos offers several asset classes that generate passive income:

• Loans can diversify your traditional investment portfolio with an alternative, less correlated asset class that offers an attractive return potential. On Mintos it’s easy to build a diversified portfolio of loans that includes different lending companies, geographies, and sectors on a single platform.
• Bonds offer a predictable income stream from interest payments (a.k.a. “coupon”) that investors can expect to receive in regular intervals. They are generally considered less volatile than stocks, meaning their price tends not to change as often or as much as the price of a stock in the short term. Bonds can also offer important diversification opportunities for investors who already invest in other asset classes.
• Real estate investing on Mintos offers a unique opportunity to access the real estate market with a low entry barrier, enabling you to diversify your investment portfolio. These investments can provide regular income from rent payments and the potential for capital appreciation, all while mitigating the direct complexities and high costs associated with owning physical property. It’s an efficient way to tap into the benefits of real estate investment, including potential protection against inflation and the chance to earn from market growth, without the need for significant capital upfront or dealing with the hands-on management of property.
• Smart Cash can be a great solution for people who like to hold cash without losing out on return potential. With up to 2% p.a. interest, you get more out of your cash compared to overnight bank deposits. Plus, you can withdraw your money same-day, with no fees or penalties, providing you with the flexibility to adjust to changing needs. Yield is subject to change in line with the interest rate environment.

When you invest in one of the asset classes that generate regular income on Mintos—loans, bonds, real estate, and Smart Cash—interest on your investments will start accruing from day one. The accrued interest will be paid out to your Mintos account in regular intervals, depending on the investment. The more you grow your portfolio, the larger your income stream can be.