Investing

Investing with Mintos

We make investing 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.

As simple as it gets

Mintos strategies

Investing should be easy. Our predefined Mintos strategies work for portfolios of all sizes, and can get you started in no time.

Diversified

The greatest diversification

Conservative

The best portfolio quality

High-yield

The highest interest rates

Choose a strategy that matches your investing goals: Diversified, Conservative, or High-yield
Get started in seconds, save time spent on investing
Earn attractive returns, cash out anytime (subject to market demand) 1
Diversify your investments to manage risk

Build your own strategy

Custom strategies

Create your own customized portfolio. Actively select and manage your investments.

Automated strategies

Create your own automated strategy

Manual investments

Fully manage your investments

Invest in any opportunity on the platform
Create your own diversification with a wide range of criteria, such as lending company, interest rate, maturity, country, and more
Automate your investments to save time if you want

See how your investments are performing at any time

Weighted average interest rate and term
Total interest earned
Status of your investments

Compare ways of investing with Mintos

Get started in seconds, cash out anytime
Strategy

Diversified

The best diversification with access to all opportunities on the platform

7.71%

average interest rate 1

Select

Conservative

Opportunities from the lending companies with the highest Mintos Risk Score and the best portfolio quality

7.78%

average interest rate 1

Select

High-yield

Prioritizes the highest interest rate opportunities from lending companies with the top rates

8.19%

average interest rate 1

Select

Custom

For investors who want to create their own strategy or pick individual investments

6% - 20%

interest rate currently available

Select
About strategy

The best diversification with access to all opportunities on the platform

Opportunities from the lending companies with the highest Mintos Risk Score and the best portfolio quality

Prioritizes the highest interest rate opportunities from lending companies with the top rates

For investors who want to create their own strategy or pick individual investments

Loan selection

Fully diversified across all investments on the platform

Investments from all lending companies

Max 15% in investments related to one lending company

Opportunities with a buyback obligation

Includes opportunities from lending companies with a portfolio that is at least 80% current and has less than 3% pending payments

Max 15% in investments related to one lending company

Opportunities with a buyback obligation

Top 60% interest rate opportunities on the platform

Max 15% in investments related to one lending company

Investor’s choice

161 850 opportunities available on the Primary Market

180 594 opportunities available on the Secondary Market

A numerical measure that portrays the risk level of a particular investment opportunity. It’s an aggregate of four subscores that are summarized and expressed through a numerical point-based risk evaluation model. Mintos Risk Score

10 to 2

10 to 7

10 to 2

10 to 2 available

Access to your money

Instant 2

Instant 2

Instant 2

Maturity or selling loans

Currency

EUR

EUR

EUR

10+ currencies

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