Create your account

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.

1. Create an account with your email address

2. Verify your identity in a few easy steps

3. Deposit funds to your Mintos account

4. Choose a strategy and start investing

Feel free to contact us if you need help with anything on Mintos.

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.

US and UK citizens, residents or taxpayers currently can’t invest on Mintos.

We don’t charge any fees for investing on Mintos, or depositing or withdrawing money. There are no monthly fees or fees for opening your account. And our only service fee is a small, transparent fee when you convert currencies.

The minimum investment in any single loan on the primary market is EUR 10, USD 12, 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.

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.