Investing with Mintos
We make investing in loans easy, whether you’re a beginner or an experienced investor. Start with the first €50, or build portfolios of any size. Automate your investments, or take as much control as you want.Powered by Mintos
Mintos Core
The easiest way to get started on Mintos. This ready-to-go portfolio saves you time and provides easy access to your money.
Get started in minutes
Works for portfolios of any size
Fully automated to keep your money working
Dynamic diversification to manage risk
Cash out anytime1
Custom automated strategy
This portfolio invests according to a set of rules defined by you. Set up once, and lean back while it invests for you.
Set up custom investment rules
Apply more than 15 investment criteria
Automated to save you time
Create as many strategies as you like
Manage your own diversification
Manual investing
Actively choose and manage individual investments.
Hand pick from 16 480 Sets of Notes
Filter by more than 15 criteria
Check all details before investing
Manage your own diversification
Balancing risk and return
We ensure investors earn adequate returns when using Mintos Core by setting a minimum interest rate, also known as a rate floor.
We set a dynamic rate floor for each lending company using a price-discovery mechanism. This means we look at the investing activity for a particular lending company (via manual investments and Mintos Custom) and identify where investment volumes are low. For example, if investment volumes below 10% interest are low, we set the rate floor above 10%. If a lending company is new to Mintos, we set the rate floor based on comparable offerings on Mintos.
Rate floors are constantly updated to reflect market conditions, and in case of unexpected market events, we may update them immediately.
App-grade your investments.
Create a Mintos Core portfolio and track your investments on the go with our mobile app. Anytime, anywhere.
Compare ways of investing with Mintos
Mintos Core
11.6%
average interest rate 2
Custom
5.0% - 22.0%
interest rate currently available
Manual investing
5.0% - 22.0%
interest rate currently available
The best diversification with access to all Notes on the platform
Create a custom automated strategy, or hand-pick your investments
Actively choose and manage individual investments.
Notes backed by loans with a buyback obligation
Fully diversified across all Notes on the platform
Notes for all lending companies
Max 15% in Notes for one lending company
Criteria selected by the investor
16 480 Notes available on the Primary Market
Criteria selected by the investor
16 480 Notes available on the Primary Market
More than 15 investment criteria available
Manage your own diversification
10 to 4.0
10 to 2.0
10 to 2.0
Instant 1
Maturity or selling investments
Maturity or selling investments
EUR
Multiple currencies available
Multiple currencies available