Bonus ends on October 31

Invest your way

Diversify across ETFs, stocks, bonds, loans, real estate, and crypto ETPs. Enter your code to earn up to €350 on top of what you invest. Terms apply.

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  • Trusted by 700k+ registered users
  • €800m+ assets under management
  • Licensed investment firm under MiFID

7 ways to invest – one platform

Diversify your investments across a unique mix of asset classes to manage risk and aim for balanced returns.

  • Loans

    High-yield investments across consumer and business loans

  • Bonds

    Fixed income from regular coupon payments

  • ETFs

    Choose from 1 000+ ETFs or an automated portfolio

  • Real estate

    Earn rental income starting from €50 investment

  • Smart Cash

    Up to 2.5% interest on your cash

  • Crypto

    Exposure to top cryptocurrencies through Crypto ETPs

  • Commission-free

    Stocks

    Over 4 000 of the most traded stocks from €1

Invest in loans

Discover passive real estate investing on Mintos – a simple and accessible way to invest in rental real estate, without buying an entire property. Earn regular income from rent and potential capital appreciation, starting from just €50.

  • Regulated financial instruments Investing in loans on Mintos is subject to the same regulation and investor protection as more traditional assets.
  • Hands-off investing Create automated portfolios to save time and keep your money working for you.
  • 5%-21% historical returns Loans can be a valuable addition to a diversified portfolio. Past performance does not guarantee future returns.

Invest in Fractional Bonds with just €50

Bonds offer a predictable income stream and can help diversify your portfolio. And with Fractional Bonds on Mintos, you finally have a simple and accessible way to invest in them. Get started small from just €50 – no more high minimum investments or complicated processes.

  • Get started from just €50 Invest in small fractions of bonds to build a diversified portfolio.
  • Access high-yield bonds Invest in bond types that historically haven't been available to retail investors.
  • Invest your way Choose automated portfolios or hand-pick individual bonds.

Invest in 1 000+ ETFs, your way

Hand-pick your own ETFs for full control or automate your investing with the Core ETFs portfolio. Both free to buy and sell, from just €1.

  • ETFs from popular providers you recognize Popular ETFs among European investors from iShares, Vanguard, Amundi, Xtrackers, and more.
  • Pick your own or go fully automated Select individual ETFs from €1, or let the Core ETFs portfolio handle diversification, rebalancing, and reinvesting.
  • Zero commission No Mintos fees for buying, holding, or selling ETFs. More of your money goes to work without charges getting in the way.

Earn rental income starting from €50 investment

Discover passive real estate investing on Mintos – a simple and accessible way to invest in rental real estate, without buying an entire property. Earn regular income from rent and potential capital appreciation, starting from just €50.

  • Get started from just €50 Low minimum investment, zero purchasing fees.
  • Regular income stream Earn income from rent and potential capital appreciation.
  • Easy and convenient No hassle with complicated purchasing processes or maintenance.

Earn up to 2.5% interest on your cash¹

Your cash earns more with Mintos Smart Cash. Enjoy the flexibility and peace of mind without leaving money on the table.

  • High interest rate Get the most out of your cash with up to 2.5% interest.¹
  • Maximum flexibility Withdraw your money anytime, on the same day. No fees or penalties.
  • Low risk investment Invest in a fund with the highest rating managed by BlackRock.

Crypto ETP investing on Mintos

Access established cryptocurrencies through regulated financial instruments. No wallets to lose or exchanges to worry about, just straightforward crypto investing from €5.

  • Hassle-free start No separate accounts, no wallets to secure. Start without the complexity, like any other investment on Mintos.
  • Regulated crypto investing On Mintos, invest in crypto through regulated ETPs securely held by established issuers.
  • Low fees Invest in crypto from just €5 and keep more of your returns working for you, with less taken by fees.

Invest in stocks your way

Invest in stocks from €1. Mintos charges no order, custody, or withdrawal fees on stock investing.

  • Hand-pick your own stocks Choose from 4 000+ of the most traded stocks and invest in companies that fit your strategy and interests.
  • Buy stocks from companies you know From Technology and Healthcare to Energy, Mining and Financials, across the US, European and global markets.
  • Less time managing investments Set an amount and a frequency and your investment plan invests on schedule, so staying consistent is effortless.

Build wealth worth building

Flexible tools and automated portfolios to help you work toward your financial goals, your way.

Start investing
  • Diversify across fixed income, growth assets, and cash
  • Start from €1 with low and transparent fees
  • Automated portfolios or hands-on investing
  • Investment plans that automate your regular top-ups
  • Access your money when you need it via cash-out and the Secondary Market Selling on the Secondary Market depends on finding a buyer and isn't guaranteed. Sales usually complete within a few hours under normal market conditions but can take longer, and you can only sell investments that aren't late.
  • Track performance with detailed analytics and full mobile access

What our investors say

How to claim your bonus

  1. Sign up
    Create your account using your code.
  2. Start investing
    Invest €1 500 or more across ETFs, stocks, bonds, loans, real estate, and crypto ETPs (excluding Smart Cash).
  3. Claim your bonus
    The more you invest, the more you earn, up to €350.
Investment €1 500 €2 500 €5 000 €10 000 €25 000 Start investing
Bonus €15 €25 €60 €125 €350
You’ll continue earning bonuses for new investments in ETFs, stocks, bonds, loans, real estate, and crypto ETPs until 31.10.2026 Some bonds and real estate may have scheduled investment dates after 31.10.2026, which won’t count towards the bonus. Keep your money invested for an additional 90 days after 31.10.2026 and the final bonus will be paid to your Mintos account within five business days. See full terms.
Bonus ends on October 31

Take the first step toward wealth worth building.

Create your account using your code, invest by 31.10.2026 and earn up to €350 in bonuses.

Start investing

Frequently asked questions

What’s the minimum investment to claim a bonus?

To qualify for the bonus, you have to invest a minimum of €500 across any of the following products until 31.10.2026: ETFs, stocks, bonds, loans, real estate, and crypto ETPs. All your investments in these products within the period are added up to calculate your final bonus. Keep your money invested for an additional 90 days after 31.10.2026 and the final bonus will be paid to your Mintos account within five business days.

How do I qualify for a higher bonus?

You can keep investing additional funds until 31.10.2026 to qualify for higher bonuses. All your investments in ETFs, stocks, bonds, loans, real estate, and crypto ETPs within the period are added up to calculate your final bonus.

What is Mintos and how does it work?

Mintos is Europe's leading investment platform for earning regular passive income, with over €800 million in assets under management for more than 700 000 registered users.

We created Mintos so you can get more out of your money by earning regular income from investing. With a single platform, you can diversify your portfolio across a broad selection of assets, from loans and bonds to ETFs, real estate, and money market funds. We believe in offering investors the choice to automate their portfolio, or to hand-pick investments.

Mintos has earned multiple industry awards since its founding in 2014, including five consecutive AltFi People's Choice Awards.

Mintos has garnered recognition for its innovation, winning multiple awards, including AltFi's People's Choice Award and AltFi's Alternative Finance Platform of the Year.

How secure is Mintos?

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

What types of investments are available on Mintos?

Our platform is designed around the idea of building a passive income stream from your investments, whether it’s in loans, bonds, or real estate. 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.

How do I create an account on Mintos?

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

  1. Choose your account type – individual or company.
  2. Fill in your personal or company details, provide an email address where we can contact you, and select your country of residence.
  3. Choose a password.
  4. You’ve created an account! Before you start investing, you’ll need to tell us a bit about yourself so that we can verify it’s you and make sure our products are suitable and appropriate for you.
How much can I earn on Mintos?

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