• What is Mintos?

    Currently, Mintos is the leading peer-to-peer lending marketplace in continental Europe that connects investors with borrowers of various loan originators from around the world. It is an easy and transparent alternative to the traditional banking system.


    At Mintos, both retail and institutional investors can invest in fractions of loans originated across different continents and loan types. Currently, we offer the opportunity to invest in mortgage loans, personal unsecured loans, secured car loans, invoices, and small business loans.


    By connecting to the Mintos marketplace, loan originators get instant access to investors that are looking to purchase loans.

  • How do I create an account?

    It is very easy. All you need to do is fill out our registration form here.

  • How do I transfer money to my account?

    You can transfer money to your Mintos account from your bank or e-money account. Transfers in EUR can be done easily and at low cost using SEPA (Single Euro Payments Area) transfers. If you have money in currency other than EUR, you can transfer it using money transfer service. You can find a full list of deposit options here.

  • Who can invest?

    Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

    Family trusts, partnerships, limited liability companies and other organizations must have a bank account and be registered in the EU or third countries currently considered to have AML/CFT systems equivalent to the EU.


  • Can companies invest?

    Yes, companies can invest through Mintos. To comply with AML requirements, we request additional information from companies, such as registration documents, information about ultimate beneficial owners, identification of a company representative, as well as any other documentation deemed necessary in each case.

  • How safe are investments?

    As with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by Mintos and loan originators to mitigate the risk:


    1.  All loans are issued according to the established policies of the loan originators, which take into account the borrower's ability to repay the loan.

    2.  For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk.

    3.  For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee.

    4.  For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase.


    Investors can mitigate risks by diversifying - making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.

  • How is income taxed?

    The income earned at Mintos is taxed for each investor based on legislation of the respective country where the investor is a tax resident. As laws vary in each country, please consult an appropriate revenue service or a tax specialist for more information. Each investor can receive extensive information necessary for tax returns when logged into their Mintos investor account. Below you can find more information about tax implications for tax residents of selected countries. The information provided does not constitute tax advice. All investors should seek independent tax advice.


    Latvian - Individuals

    Latvian - Companies

    German - Individuals

    Estonian - Private Individuals


  • What fees are applicable?

    Investing through Mintos is free of charge. There are no fees for opening an investor account and no fees for depositing or withdrawing funds. There is also no service fee, or any other fee charged to investors.

  • What is the minimum amount that can be invested?

    The minimum investment in any single loan on the primary market is EUR 10, USD 10, DKK 80, GEL 25, PLN 50, GBP 10, SEK 100, RON 50, RUB 700, KZT 4 000, MXN 200 or CZK 300. There is no minimum for investments in the secondary market.

  • How long is invested money "locked-in"?

    You will receive invested money as defined in each loan payment schedule, which depends on the loan term and loan amortisation method. If you would like to get your money back faster than it is scheduled, you can sell your investment in the secondary market. The secondary market allows you to add a premium or discount to your investment sale. You can read more about this in the FAQ Investing section.

  • How much time is needed to manage investments?

    It depends on your investment style. You can use a passive investment style and make investments through Auto Invest, in which case you only need to determine Auto Invest configurations and the amount of your time devoted to choosing investments is minimal. If you want to employ a more active investment style and pick each investment individually, the time necessary will depend on the number of your investments.

  • What happens if Mintos folds?

    In the unlikely event of Mintos folding, investors will be given full information from the Mintos database on the transactions they have concluded within the framework of the marketplace. The Mintos liquidator or administrator will take all necessary actions to transfer the servicing of all loans and investments to an appropriate manager. In order to ensure the implementation of the aforementioned provision, Mintos and the law firm FORT have entered into a contract of bailment under which each month Mintos transfers data media containing all current data from Mintos to FORT, which accepts the data for storage.

  • What happens if a loan originator goes out of business?

    In the unlikely event that a loan originator goes out of business, we have put in place arrangements to ensure that investors continue to receive payments on the loans in which they have invested in through the Mintos marketplace.


    On Mintos, there are two types of loans - loans with the Direct and Indirect Structure. You can select which loan types you would like to invest in using the “Investment Structure” filter on the Primary and Secondary Market.


    Direct Structure


    When you invest in a loan, you are buying claim rights against the borrower based on an assignment agreement. Borrowers make payments on their loans to the respective loan originator, and in turn, the loan originator and Mintos distribute payments to investors. In the event that a loan originator fails or becomes insolvent, assignment agreements would remain in place and be unaffected.


    As per the assignment agreement and cooperation agreement with Mintos, in the event of the insolvency of the loan originator, Mintos as a representative of the investor, would take over the management of the claim from the loan originator and recall authorisation of the investor to the loan originator or implement another strategy which would be to the best benefit of the investor. This means, the loan originator would no longer be managing the borrowers payments. After having taken over the management of the claim from the loan originator, Mintos would be entitled to transfer the management of the claim to any third party at Mintos’ discretion. This means that Mintos as a representative of the investor would inform the borrower of the assignment and direct continued payments to Mintos or any third party at Mintos discretion.


    The transition from the loan originator servicing its payments to Mintos taking over this process may not happen immediately. The length of time for the transition depends on the legal obligations of the loan originator.


    Indirect Structure


    For loans under the Indirect Structure, the direct claim is against the loan originator and not the borrower and the underlying loans issued to the borrowers are pledged in the name of the respective Mintos company. If the loan originator becomes bankrupt, we have agreements in place with the loan originator and also a commercial pledge which ensures investors on Mintos will be the first to receive payments from bankruptcy assets.


    In this situation, Mintos will be involved closely in the legal proceedings and all funds received from the loan originator will be divided proportionally to their investments among investors. The time it will take for investors to get the borrower’s repayments returned depends on the legal proceedings and other external factors of the loan originator.


    You can find which loan structure loan originators on Mintos use here

  • Can I make a deposit from an account that is not in my name?

    No, deposits are only accepted from accounts in same name as the Mintos investor account.

  • What will happen if I send currency different from the currency in my bank account?

    Money will convert automatically according to the currency exchange rate of the respective bank (Mintos does not know that rate), or it will be returned to the sender. There may be some loss of funds, due to the exchange rate or bank commision for returning incorrect payment.

  • I entered incorrect payment details. What happens with my deposit?

    Please inform us about the error as soon as possible. Payments may be processed more slowly if there are incorrect payment details.

  • Can I transfer funds from a bank outside of the European Economic Area and start investing?

    We accept SEPA money transfers from bank accounts or payment services in the European Economic Area and also in Australia, Brazil, Republic of South Africa, Hong Kong, India, Japan, Canada, South Korea, Mexico, Singapore and Switzerland.


    If your bank does not use SEPA transfers, please contact our investor service team to find the best way for you to transfer money to Mintos.

  • What is TransferWise Borderless account?

    Transferwise Borderless is a payment service we use to receive and withdraw GBP payments.

  • What is Trustly?

    Trustly is an online payment service provider, which allows you to transfer funds in a fast, simple and secure way for European customers. Currently, Trustly supports more than 3 300 banks in 29 European countries.


    You don’t have to register to use Trustly and any information that can be used to access your bank account is not stored. Trustly uses the highest encryption standard available, in addition to the banks' security system.


    You can make a secure deposit in three easy steps:

    1.  Please note that payment can be done from the bank account in the same name as Mintos account;

    2.  Choose your bank and initiate the payment with your regular online banking credentials;

    3.  Select the account you wish to pay from;

    4.  Confirm the payment with your regular online bank credentials.

  • Is it safe to use Trustly?

    Trustly holds a European Payment Services Provider (PSP) licence in accordance with the Payment Services Directive (PSD, 2007/64/EC), which has been implemented into Swedish law by the Swedish Payment Service Act (2010:751).


    It is under supervision by the Swedish Financial Supervisory Authority and it follows strict regulations relating to the processing of payments, thus, Trustly payments require strong authentication. A transaction cannot be made unless you provide your online banking credentials including the one-time code which only you know. Your credentials are not stored.

  • How do I invest?

    First, you need to have available funds in your account at Mintos to make investments. Learn how to transfer funds to your Mintos account in the FAQ Getting Started section. section.

    Once you have sufficient funds, there are two ways to invest:

    1.  Auto Invest
    - Set your preferred investing criteria, which you can change whenever you like; - Save time and effort, diversify your portfolio by investing in several loans at once;
    - Make your money work by continuously reinvesting interest earned in new loans, accruing compound interest;
    - Automatically invest in new loans as soon as they appear in the system without even having to log in. Keep in mind that you can stop Auto Invest at any time.

    You can read more about Auto Invest in FAQ Auto Invest section.

    2.  Manual Investing

    - Browse loans currently listed on the Mintos marketplace in either the primary or secondary market and select loans individually to build your portfolio;
    - Invest funds in the selected loans or their parts, with the option of reinvesting funds received from borrower payments.

  • How do I make money from my investments?

    Each borrower makes monthly payments according to their loan agreements, which can consist of principal, interest and late payment fees, or any combination of the above.

    The principal part of the payment reduces the carrying value of your investment in the loan, while the interest and late payment fee portion of the payment is treated as your income.

    Your portion of the payment, which is calculated based on your investment in any particular loan, will be added to your Mintos account after the payment has been processed. You can then choose to invest the funds in more loans or transfer them to your bank or e-money account. Because different loans have different payment due dates, most investors with multiple investments see a continuous stream of payments added to their Mintos account throughout the month.

  • What is Auto Invest and how does it work ?

    Auto Invest automatically implements your chosen investment strategy. After you have entered your investment criteria, Auto Invest will automatically invest in suitable loans. You can access Auto Invest at any time and follow your portfolio activity in real time to make sure it is working according to your investment goals. Auto Invest is a very efficient tool for saving time spent on investment activities. It also allows you to access newly placed loans in the system before manually-made investments.

    You can pause or cancel Auto Invest at any time.

    Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet them. Auto Invest will then continue to automatically analyze and invest in suitable new loans as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to make sure they meet your investment criteria.  

  • What is the secondary market?

    The secondary market is a place where investors can place their investments for sale to other registered Mintos investors.

    Benefits to investors selling loans on the secondary market include:
    - more liquidity for their investments, which allows access to funds when necessary
    - opportunities to profit by selling investments at a premium

    Benefits to investors buying loans on the secondary market:
    - opportunities to make investments in loans not available on the primary market
    - opportunities to profit by buying loans at a discount

  • How liquid is the secondary market?

    You can see statistics about the secondary market under the Statistics section, where you will find monthly data about the number of transactions on the secondary market, volumes transacted in, and number of investors that have made investments through the secondary market.

  • What is the premium/discount in the secondary market?

    When you decide to sell your investment in the secondary market, you can do it at a premium, par or discount.

    Selling at par (0% discount/premium) means that an investment with an outstanding value of 100 EUR will be available to other investors to purchase for 100 EUR.

    Selling at premium (e.g. 5%) means that an investment with an outstanding value of 100 EUR will be available to other investors to purchase for 105 EUR. Possible situations in which selling and purchasing at a premium would be viable:
    - the seller is looking to make a profit on sales of an investment;
    - the buyer is willing to get exposure to the cash flows from a loan, and the premium paid is acceptable when looking at the forecasted return on the investment.

    Selling at discount (e.g. 5%) means that an investment with an outstanding value of 100 EUR will be available for purchase to other investors for 95 EUR. Possible situations in which selling and purchasing at discount would be viable:
    - the seller is looking to receive cash flows faster than according to the loan schedule;
    - the seller is looking to exit an investment with delayed payments, while the purchaser is ready to buy a loan with delayed payments.

  • Can I cancel my investment?

    Once you have reviewed and confirmed your investment, you cannot cancel the investment. However, you can use the secondary market to sell the investment to other investors.

  • What risks are associated with investing through Mintos?

    As with any investment, investment through Mintos carries some degree of risk. Each investor is responsible for evaluating associated risks before making an investment.

    1. Credit risk/Default risk
    There is a possibility that the borrower will not make future scheduled payments; as a result, the investor may lose part or all of the investment made. The amount of possible loss, if any, would depend on the type of loan. For example, in the case of default on a secured loan, such as a mortgage or car loan, the repayment of the loan would be made by first realizing the collateral, and second by trying to recover outstanding amount from the borrower; this should result in a lower loss of funds, if any. In the case of an unsecured loan the repayment will depend on successful recovery of outstanding amount from the borrower, which might result in a higher loss, if any, when compared to the secured loan.

    Credit risk of the borrower can be minimized by making investments in loans with a buyback guarantee. This removes the possibility of loss from an individual investment because the loan would be bought back by the loan originator at a predetermined price. An investor may still be faced with the possibility of default by the loan originator, which may not be able to honour its guarantee.

    2. Cash flow timing risk
    All payments from an investment in a loan are directly linked to the actual payments done by the borrower. There may be situations in which the borrower makes a payment after the scheduled payment date; as a result, the investor may receive cash flows later than expected. Depending on the clauses of the loan agreement and circumstances, investors may be compensated for late payments with late payment fees.

    3. Prepayment risk
    The borrower usually has an option to repay the loan early, which is usually done by repaying the principal and accrued interest up to the date of early repayment. In the event the investor had made the investment at a premium, the unamortised part of the premium would be lost.

    In order to minimize any of the above mentioned risks, investors can diversify their investments across different borrowers, loan products, loan originators, and geographies.

    4. Currency risk
    Investment is done in the currency indicated for each loan and repayments are made in the same currency. If your operational currency is not the same as the currency in which you have made investments, there may be fluctuations in payments received when converted to your operational currency.

  • What is skin in the game?

    The phrase “skin in the game” is commonly used in the corporate finance industry and refers to when an owner(s) or principals of an investment vehicle maintain an equity stake in circumstances where outside investors are sought to invest. This is to ensure the interests of the originator of the asset are aligned with the interests of the investor, as both sides have a stake in the investment.


    On Mintos, skin in the game follows this concept. All loan originators that place loans on the marketplace are required to keep a certain percentage of each loan, which is their stake in the loan. For example, if a loan originator with 10% skin in the game issues a EUR 1 000 loan to a borrower and then places this loan on the Mintos marketplace, only EUR 900 of this loan will be available for investors to invest in and the loan originator will keep a stake of EUR 100.


    For most situations on Mintos, the investment is done through the direct structure, which is the assignment of the loan to investors. A skin in the game of 10% would imply that up to 90% of the particular loan's principal can be assigned to investors.


    In some cases, due to legal requirements, the indirect structure is used. The same amount of exposure of the underlying loan to the ultimate borrower will become available for investment as with the direct structure and the loan originator will still keep 10% risk associated with the loan.


    Therefore regardless of the structure, the loan originator will maintain the skin in the game. On Mintos, when we use the term “skin in the game” it is in reference to both the direct and indirect structures on Mintos.

  • Are investments through Mintos protected by any financial compensation scheme?

    Investors conduct transactions through Mintos directly and at their own risk and responsibility. Investors are aware and understand that they may lose some or all of their invested funds, and take full responsibility for the occurrence of such losses. Currently investors are not protected by any financial compensation scheme , for example, scheme such as the depositor compensations scheme for clients of credit institutions or the protection of financial instrument market clients receiving services from a licensed investment service provider. Prior to making investments please read through the FAQ, User Agreement and Assignment Agreement.

  • What is a buyback guarantee and how does it work?

    A buyback guarantee is a guarantee issued by the loan originator to the investor for a particular loan, that confirms the loan originator will repurchase the loan from the investor if that particular loan is delayed by more than 60 days. The buyback guarantee is given at an individual loan level and is marked by . If a loan with a buyback guarantee is delayed by more than 60 days, the loan is automatically bought back by the loan originator from the investor at the nominal value of outstanding principal, plus accrued interest income.

  • How liquid are investments?

    When investing funds, you should be prepared to hold the investment through to its maturity. However, Mintos offers a secondary market that may provide liquidity in certain circumstances. Mintos, as a market maker, may also buy back an investment by entering into a mutual agreement with you.

    Also, keep in mind that you will receive monthly principal and interest payments, which will reduce your investment in a respective loan over time.

    If you choose to list your investment in the secondary market, there is no guarantee that you will find a buyer. If you are interested in having Mintos buy back the investment at a mutually agreed price, please contact [email protected].

  • How can I forecast expected income from my investments?

    Currently, you can see the payment schedule for each individual loan under the section Payment Schedule.

  • How can I see income earned from my investments?

    You can see all transactions in your account under the section Account Statement. Use the filters to see income earned from your investments.

  • What is net annualised return (NAR)?

    Net annualised return (NAR) is an annualized measure of the rate of return on actual investments made in loans, after actual write-offs and service charges.

    NAR is not a forward-looking projection of performance. NAR is only calculated for the amount of money invested in loans. Funds that sit in an investor’s Mintos account but that are not invested in loans are not included in NAR calculations.

  • How is net annualised return (NAR) calculated?

    To calculate NAR, we apply a methodology called XIRR (extended internal rate of return), which is further adjusted to exclude compounding effects and reports NAR as a nominal interest rate.

    NAR is calculated by using the exact amount and dates of all cash flows associated with the loans in which investments are made (investment in the loan principal, repayments of the principal, interest and penalty charges, cash flow from secondary market transactions, actual write-off amounts and service fees charged by Mintos, if any) and the outstanding amount of the investment in principal and accrued interest income and service fees, if any. The calculation does not take into account provisions for impairment losses or expected future losses.

  • How is interest divided between the seller and buyer of a loan on the Secondary Market?

    When you invest in a loan on the Mintos marketplace, you will receive interest on the loan for the duration of your investment. If you decide to sell your loan on the Secondary Market, you will stop receiving interest on the loan once it has been sold.


    If you buy a loan on the Secondary Market, you will start to earn interest on the loan from the date you have bought the loan. The interest which has been accrued between the investor placing the loan on the Secondary Market and the loan being sold will be paid to the previous owner of the loan on the borrower’s next payment date.


  • How is interest calculated?

    Interest is calculated on a daily basis and it is measured against the amount you have invested in loans on the respective day. The formula for calculating interest is as follows:


    Invested amount * Amount of days * Interest rate/360


  • What is Auto Invest and how does it work?

    Auto Invest automatically implements your chosen investment strategy. After you have entered your investment criteria, Auto Invest will automatically invest in suitable loans. You can access Auto Invest at any time and follow your portfolio activity in real time to make sure it is working according to your investment goals. Auto Invest is a very efficient tool for saving time spent on investing activities. It also allows you to access newly placed loans in the system before manually-made investments.

    You can pause or cancel Auto Invest at any time.

    Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet your preferences. Auto Invest will continue to automatically analyze and invest in suitable new loans as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to make sure they meet your investment criteria.  

  • How can I stop Auto Invest?

    You can permanently or temporarily pause Auto Invest by clicking the Stop button in your Auto Invest settings. This will pause the function immediately. You can reactivate Auto Invest at any time.

  • Can I still invest manually if I have Auto Invest?

    Yes. Auto Invest users can also browse loans and invest manually at any time. However, doing so may result in a portfolio of investments that diverges from your Auto Invest criteria.

  • Does it cost anything to use Auto Invest?

    There is no additional cost for using Auto Invest.

  • Does Auto Invest invest in loans with a premium?

    Yes, it does invest in loans with a premium/discount on the Secondary market. Auto Invest is also available on the Primary market, however, it invests in loans without a premium/discount.


    Please keep in mind that if you purchase loans at a premium and the loan originator repurchases the loan before it has reached maturity, you risk experiencing a loss in the amount up to the premium paid.

  • Does Auto Invest invest in loans from the secondary market?

    Yes. Currently, Auto Invest is available for all investors on the Secondary Market. You can also use the Auto Invest tool on the Primary Market.


  • How does Auto Invest invest funds from my Mintos account?

    Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet your preferences. Auto Invest will continue to automatically analyze and invest in new loans that match your preferences as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to ensure they meet your investment criteria. Auto Invest works based on a queuing system. If the demand from different Auto Invest portfolios for any single loan is larger than the available loan, various factors based on our proprietary algorithm are taken into account in queuing portfolios.

  • Why isn’t my Auto Invest investing?

    When Auto Invest is not investing, it is usually due to a lack of available loans corresponding to your settings, or because Auto Invest is not configured properly, i.e. the settings are mutually contradictory. The most common error is to set a preference for maximum loan-to-value (LTV), when the intent is to invest in loans without collateral. Setting the value for “maximum LTV” will only allow Auto Invest to select loans with collateral, taking into account the selected LTV.

  • Can I disable the Auto Invest diversification feature once I have enabled it?

    Yes, you can turn it on or off at any time.

  • What will happen if I add or remove loan originators from my Auto Invest portfolio that has the diversification feature enabled?

    Each time you will add or remove loan originators from your Auto Invest portfolio, the Auto Invest diversification feature will recalculate the investment limits, so that your investment is spread out evenly among the number of selected loan originators.


    For example, if you add another loan originator to a portfolio that had four loan originators in it, the investment limit will decrease from 25% to 20% of the total portfolio for each. If you had set custom limits for any of the loan originators, these will be reset as a result. If all of your portfolio will be invested at the moment of change, you will need to wait until at least part of your investments get repaid, so that the change in the diversification limits can take effect too.

  • Can I see the current distribution of my outstanding investment across the loan originators?

    Yes, you can find it under the section “My Investments”, sub-section “Current Investments”. On the right-hand side you will see graphs where the parameters of your outstanding investments are provided. Above the third graph, you can find different options to see your current distribution of your outstanding investment. One of the filters will give you the options to view your investments across loan originators.

  • When setting up the diversification feature for an existing Auto Invest portfolio, can I set an investment limit that is lower than the actual outstanding investment share of my portfolio for a particular loan originator?

    Yes, you can. However, it may take some time for this investment limit to be reached - you will need to wait until the outstanding investment for this particular loan originator decreases.

  • How does the maximum Auto Invest portfolio size affect the diversification?

    To use the Auto Invest diversification feature to its full potential, we advise setting a maximum portfolio size that is close to the amount you plan to invest. If the maximum portfolio size indicated is much larger, the Auto Invest diversification may not function as intended. For example, if you have indicated the maximum portfolio size of EUR 100 000 and selected ten loan originators, the investment limit for each loan originator will be set to 10% or EUR 10 000. If you will invest only EUR 1 000, depending on the availability of the loans on the Mintos market, the whole sum could be invested in loans by a single loan originator.

  • What will happen to my Auto Invest diversification settings if I will decrease the maximum portfolio size?

    As the investment limits are expressed in percent, they will not change. However, as the portfolio size will decrease, the actual amount of funds that can be invested in each of the loan originator's loans will decrease as well. As a result, it may take additional time for your portfolio to achieve the diversification set.

  • Can I know who the borrower is?

    Investors are able to see a certain amount of information about borrowers on our marketplace, including how much they have borrowed and for what purpose. For security reasons and to comply with data protection laws, we do not reveal the full names or addresses of borrowers.

  • For what purpose are loans issued to borrowers?

    Loans can be issued to borrowers for different purposes, including business needs, home improvement, vehicle purchase, other major purchases and many other reasons. The purpose of the loan is noted under each listing and is dependent on the borrower and loan originator.  

  • What happens if a borrower does not pay?

    In general, in the event that a borrower does not make a payment according to schedule, the loan originator will contact the borrower to remind them about the missed payment. If the payment is still not made, the loan originator may pursue different options, depending on the situation leading to the missed payment. When feasible, the loan is rescheduled or otherwise modified. As a last resort, in the event that the borrower is not able or willing to make the payment, the loan originator will start loan recovery procedures. The recovery process may be pursued by either the loan originator or an outsourced bailiff. The exact debt recovery process and timeframe is different for each loan originator.

  • What kinds of collateral are held for loans?

    There are two types of loans:

    1.  secured loans with collateral;

    2.  unsecured loans without any collateral.


    For secured loans, collateral may be real estate in the case of a mortgage loan, a vehicle in the case of a car loan, or equipment in the case of a business loan, as well as many other types of collateral, as indicated under each loan.

  • Who has the pledge rights over the collateral?

    Collateral is usually the property of the borrower, though it can be owned by a third party or by the loan originator if it is a financial leasing product. The pledge rights over collateral are always registered in the name of the loan originator. Once an investment has been made in a loan, the investor has authorized the loan originator, and the loan originator has undertaken the responsibility, to oversee the pledge in the interest of the investor.

  • How is the value of collateral estimated?

    The value of collateral is estimated by an expert as indicated for each loan. This may be a third-party certified valuation company or an in-house expert for the loan originator company.

  • How is collateral safeguarded?

    Every form of collateral is registered according to the requirements of local regulations. For example, real estate collateral is registered in the land register of a respective country, which means that the borrower cannot sell or otherwise encumber the property without the consent of the loan originator.

  • What is the grace period?

    The grace period is the technical number of late payment days before the loan is marked as late. The grace period is intended to cover possible payments delays caused by bank-to-bank payments, national holidays and specific policies of the loan originator. The length of the grace period is determined by each loan originator individually, which you can see here.

  • How can I withdraw money from my account at Mintos?

    You can request a withdrawal through your investor account. To comply with anti-money laundering (AML) procedures, the first time a withdrawal is requested you will be asked to upload a picture or scan of your passport or both sides of an ID card that includes your picture and personal details. You can withdraw funds not invested in loans from your Mintos investor account to your bank or e-money account at any time.

  • Can I change the bank account to which I withdraw money?

    We can only transfer money to a bank account that belongs to you; this is a necessary precaution taken to protect our investors and comply with anti-money laundering (AML) requirements. The most convenient and cost effective way to change the bank account to which you withdraw money from your Mintos account is to transfer at least one (1) euro cent from your new bank account to your Mintos account. All bank accounts used to transfer money to Mintos will be registered under your profile, and you will be able to choose from any of these accounts when requesting withdrawal. 

  • What amount can I withdraw?

    You can withdraw all available funds — i.e. funds that are not invested in loans — from your account at Mintos.

  • Will I be charged for a withdrawal?

    Mintos imposes no charges for a withdrawal.


    However, your bank or money transfer service provider may charge additional fees for transfers. Please consult your bank or money transfer service provider to identify any such fees.

  • How long will it take to see transfered money in my bank account?

    Mintos will process your withdrawal request within one (1) business day.


    Payments within the eurozone do not usually take more than one (1) business day; depending on the time of your withdrawal request, you should receive the transferred money within the same day or within a maximum of two (2) business days. Transfers outside the eurozone may take longer, depending on the bank.

  • What’s in my Invest & Access portfolio?

    Invest & Access fully diversifies your investment across current loans from all applicable lending companies on the marketplace. Your exact portfolio mix automatically adjusts to the market. To give you the best diversification for additional protection and stable returns, Invest & Access rebalances your portfolio daily.

    Invest & Access only invests in loans with a rating of A+ to C- and buyback guarantee. In addition, it only buys loans from lending companies that have been on the marketplace for at least 6 months.

  • What’s the portfolio limit and how does it work?

    When you create your portfolio, you set the maximum amount you want to invest with Invest & Access. This is your portfolio limit. It can be different from the amount you currently have invested. Here’s how it works:  

    • Portfolio limit > invested amount: Any Mintos account balance gets invested in your portfolio, up to the limit.
    • Portfolio = invested amount: Earnings from your portfolio increase the limit, so that your money can be reinvested. Balance in your Mintos account is not invested.
    • Portfolio limit < invested amount: The difference cashes out to your Mintos account. Balance in your Mintos account is not be invested.

    To update your limit, click Change limit in your portfolio.

    When you cash out money, our portfolio limit is set to the remaining invested amount.

  • Can I see a list of my Invest & Access loans?

    Yes, you can see them on the My Investments page. You can view all assignment agreements there as well.

  • How is my interest calculated?

    How much you can earn depends on what’s in your portfolio and what’s available on the market. We’ll show you the weighted average interest rate for your portfolio on your Invest & Access page.

  • Can I change diversification?

    No. Invest & Access gives you a fully diversified portfolio. You can’t change the diversification.

  • How can I cash out money from my portfolio?

    To cash out money, open your Invest & Access profile and click Cash out.

  • How can I cash out late loans in my portfolio?

    Currently Invest & Access can’t sell late loans for you. We are working on a feature that will allow you to sell them on the secondary market. You can get your money when a loan recovers, or when the buyback guarantee kicks in – all loans in your portfolio have this extra layer of protection.

  • What if all my loans go late, and I cannot sell them on the secondary market?

    In the worst case scenario, you’ll have to hold the loans until they reach maturity to access your money. This can only happen if a loan is late, it cannot be sold on the secondary market, the loan originator defaults, and there is no buyback guarantee anymore.

  • How long does it take to cash out my money? Is it really instant?

    When you want to cash out money, Invest & Access automatically sells loans in your portfolio to other investors using Invest & Access.

    • Selling usually happens within a few minutes, depending on demand from other investors at that time.
    • You can only sell current loans with no credit issues.
    • If a loan in your portfolio is late, you can get your money when it recovers or buyback kicks in.
    • You can also manually sell late loans on the secondary market from the My Investments page.
  • What are normal market conditions? How do they affect availability?

    Normal market conditions means conditions where investors are willing to invest in loans. Since Mintos was founded in January 2015, we have experienced normal market conditions. Nonetheless, past performance does not guarantee future performance, and abnormal market conditions could conceivably change the availability of your money. Abnormal market conditions would be if there was a very large, sudden and extended demand to cash out from Invest & Access. This might be caused by a global recession, an abrupt and widespread loss of faith in investing in loans or a number of other situations. If, for a sustained period, a significant number of investors chose to cash out in significant quantities and no (or few) new investors were willing to invest in their loan shares, conditions would at that point be abnormal.

    Ultimately this could mean that investors may have to wait until a buyer could be found for their loan shares in their Invest & Access portfolio, or until the loans were repaid over time by the borrowers.

  • How can I stop my Invest & Access?

    To stop investing with Invest & Access, cash out all your money or set your portfolio limit to 0.


  • Why is my Invest & Access not investing?

    Invest & Access stops investing your balance when it reaches your portfolio limit. To invest more money, increase the limit.