How it works

Low fees. High returns.

We believe investors shouldn’t lose a part of their earned returns to commissions. That’s why we don’t charge any fees for investing on Mintos, or depositing or withdrawing money.

Enjoy fee-free investing

Investing
Free
Depositing money
Free
Withdrawing money
Free
Account servicing
Free
Investor support
Free

Fees and charges

Currency exchange
Our currency exchange offering is based on mid-market rates by the world's trusted currency authority XE. These rates are competitively low and do not include any markups.

From 0.50% depending on currency pair

Secondary Market
We charge a small fee for manually selling investments on the Secondary Market. Cashing out money from Mintos strategies is free.

0.85% for selling investments

Inactivity
We charge a fee to investors who haven’t invested or sold investments for 6 consecutive months or more. The fee is calculated and charged on the 1st day of each month.
The fee will be waived if the investor’s uninvested funds are 30% or less of their total account balance – the sum of their available funds, invested funds, pending payments, and amounts in recovery, converted to euros.
The fee will also be waived if the investor’s uninvested euro funds are less than €100.

€2.90 per month

Recovery charges
In some cases, we may decide to hire lawyers or other third parties for the recovery of funds due to investors if we believe it might improve the outcome for investors. In the event of a successful recovery, these external costs might be withheld from the repayments.

Read more

Depends on the individual case but can’t exceed the recovered amount. We will inform investors about such charges before withholding them.

How Mintos makes money

Our main source of income is the commission we take from lending companies when they fund their originated loans through Mintos.Investing activities are free, apart from the fees and charges for additional services listed on this page. We aim to keep our fees low and this is only to help us cover the costs of providing those services. Our fees set us on par with or priced beneath other major platforms for loan-based investments.

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