Bonus ends on November 30

Invest your way

Invest across ETFs, stocks, bonds, loans, real estate, and crypto ETPs - all in one place. Start with €1 500 or more within 30 days of signing up and earn a €25 bonus. Terms apply.

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  • Trusted by 700K+ registered users
  • €800m+ assets under management
  • Licensed investment firm under MiFID

7 ways to invest – one platform

Diversify your investments across a unique mix of asset classes to manage risk and
aim for balanced returns.

  • ETFs

    Choose from 1 000+ ETFs or an automated portfolio

    No order, custody, inactivity, or withdrawal fees. Only an annual expense ratio built into each ETF's price.
  • Commission-free

    Stocks

    Over 4 000 of the most traded stocks from €1

    Mintos charges no order, custody, or withdrawal fees on stock investing. Learn more. Capital at risk. The value of your investments can go down as well as up.

  • Bonds

    Fixed income from regular coupon payments

  • Loans

    High-yield investments across consumer and business loans

  • Real estate

    Earn rental income starting from €50 investment

  • Crypto

    Exposure to top cryptocurrencies through Crypto ETPs

  • Smart Cash

    Up to 2.5% interest on your cash

Invest in 1 000+ ETFs, your way

Hand-pick your own ETFs for full control or automate your investing with the Core ETFs portfolio. Both free to buy and sell, from just €1.

  • ETFs from popular providers you recognize Popular ETFs among European investors from iShares, Vanguard, Amundi, Xtrackers, and more.
  • Pick your own or go fully automated Select individual ETFs from €1, or let the Core ETFs portfolio handle diversification, rebalancing, and reinvesting.
  • Zero comission No Mintos fees for buying, holding, or selling ETFs. More of your money goes to work without charges getting in the way.

Invest in stocks your way

Invest in stocks from €1. Mintos charges no order, custody, or withdrawal fees on stock investing.

  • Hand-pick your own stocks Choose from 4 000+ of the most traded stocks and invest in companies that fit your strategy and interests.
  • Buy stocks from companies you know From Technology and Healthcare to Energy, Mining and Financials, across the US, European and global markets.
  • Less time managing investments Set an amount and a frequency and your investment plan invests on schedule, so staying consistent is effortless.

Invest in Fractional Bonds with just €50

Bonds offer a predictable income stream and can help diversify your portfolio. And with Fractional Bonds on Mintos, you finally have a simple and accessible way to invest in them. Get started small from just €50 – no more high minimum investments or complicated processes.

  • Get started from just €50 Invest in small fractions of bonds to build a diversified portfolio.
  • Access high-yield bonds Invest in bond types that historically haven't been available to retail investors.
  • Invest your way Choose automated portfolios or hand-pick individual bonds.

Invest in loans

Discover passive real estate investing on Mintos – a simple and accessible way to invest in rental real estate, without buying an entire property. Earn regular income from rent and potential capital appreciation, starting from just €50.

  • Regulated financial instruments Investing in loans on Mintos is subject to the same regulation and investor protection as more traditional assets.
  • Hands-off investing Create automated portfolios to save time and keep your money working for you.
  • 5%-21% historical returns Loans can be a valuable addition to a diversified portfolio. Past performance does not guarantee future returns.

Earn rental income starting from €50 investment

Discover passive real estate investing on Mintos – a simple and accessible way to invest in rental real estate, without buying an entire property. Earn regular income from rent and potential capital appreciation, starting from just €50.

  • Get started from just €50 Low minimum investment, zero purchasing fees.
  • Regular income stream Earn income from rent and potential capital appreciation.
  • Easy and convenient No hassle with complicated purchasing processes or maintenance.

Crypto ETP investing on Mintos

Access established cryptocurrencies through regulated financial instruments. No wallets to lose or exchanges to worry about, just straightforward crypto investing from €5.

  • Hassle-free start No separate accounts, no wallets to secure. Start without the complexity, like any other investment on Mintos.
  • Regulated crypto investing On Mintos, invest in crypto through regulated ETPs securely held by established issuers.
  • Low fees Invest in crypto from just €5 and keep more of your returns working for you, with less taken by fees.

Earn up to 2.5% interest on your cash¹

Your cash earns more with Mintos Smart Cash. Enjoy the flexibility and peace of mind without leaving money on the table.

  • High interest rate Get the most out of your cash with up to 2.5% interest.¹
  • Maximum flexibility Withdraw your money anytime, on the same day. No fees or penalties.
  • Low risk investment Invest in a fund with the highest rating managed by BlackRock.

Build wealth worth building

Flexible tools and automated portfolios to help you work toward your financial goals, your way.

Start investing
  • Diversify across fixed income, growth assets, and cash
  • Start from €1 with low and transparent fees
  • Automated portfolios or hands-on investing
  • Investment plans that automate your regular top-ups
  • Access your money when you need it via cash-out and the Secondary Market Selling on the Secondary Market depends on finding a buyer and isn't guaranteed. Sales usually complete within a few hours under normal market conditions but can take longer, and you can only sell investments that aren't late.
  • Track performance with detailed analytics and full mobile access

What our investors say

Three steps to your €25 bonus

Bonus ends on November 30. Terms apply

Start investing
  1. Sign up
    Create your free account.
  2. Start investing
    Invest €1 500 or more within 30 days of registering (excluding Smart Cash).
  3. Claim your bonus
    Keep your investment above €1 500 until 90 days after registering and your €25 bonus will be credited to your Mintos account.
Bonus ends on November 30

The wealth you’re working towards starts here

7 asset classes to help you build a portfolio that works for you.

Start investing

Frequently asked questions

What is Mintos and how does it work?

Mintos offers long-term investors an easy-to-use online investment platform for growing their money with a unique mix of alternative and traditional investments.

We believe most people don’t want to spend a lot of time actively managing their portfolios. Also, most investors are better off investing for the long term, since this protects them against market volatility. We make it easy to get started, and our automated portfolios keep your money working for you hassle-free.

Mintos has grown into one of the largest investment platforms in Europe. With ETFs, stocks, bonds, loans, real estate, crypto ETPs, and Smart Cash, you can invest in a unique asset mix and earn passive income on a single platform through Mintos.

Mintos has garnered recognition for its innovation, winning multiple awards, including AltFi's People's Choice Award and AltFi's Alternative Finance Platform of the Year.

How secure is Mintos?

Investment firms like Mintos are subject to financial regulation. In the EU, this includes MiFID II and other applicable regulations. This supervision provides additional protection for investors by making sure financial institutions follow established rules and requirements. In this regulated environment, investors benefit from additional layers of protection and transparency.

  • Mintos is required to hold investors’ financial instruments and uninvested funds separately from its own assets.
  • The investor compensation scheme protects investors by providing compensation if Mintos fails to return financial instruments or funds to investors.
  • Mintos is required to safeguard investors from taking on excessive risk by assessing their individual situation.
  • Investors are provided with in-depth information that aims to help them make well-informed investment decisions.

More about investor protection

How much can you earn on Mintos?

Your return depends on the performance of the assets in your portfolio. We focus on long-term, high-yield investments to give your money the greatest chance of growing over time and earning you passive income.

How does Core Loans diversify the portfolio?

Your Core Loans portfolio is diversified automatically. Your Core Loans portfolio aims to diversify your investments using a proprietary algorithm. It will invest in loans from different loan types, geographies, and lending companies. It will consider several factors, including the demand for specific investments and their availability, to reach the target diversification rate. While you can start with any amount and grow your portfolio over time, we recommend a portfolio size of €2 500 or more to achieve optimal diversification. The exposure is capped at 15% per lending company.

What’s the benefit of investing in Fractional Bonds

Fractional Bonds make bond investments accessible to retail investors. The vast majority of bonds require high minimum investments of €10 000 or more for a single investment. Moreover, many bonds, especially high-yield ones, aren’t available to retail investors at all.

This makes it difficult for many retail investors to build a bond portfolio. On Mintos, we are changing this: You can invest in small fractions of a bond, starting from just €50, and conveniently build a diversified bond portfolio.

What are the benefits of investing in a single ETF portfolio?

Investing in a single, well-rounded ETF portfolio such as Mintos Core ETF can be a great way to save time and money.

  • You don’t have to spend a lot of time researching and choosing between thousands of ETFs and figuring out how to combine them into a balanced portfolio.
  • Buying a single ETF requires fewer trades compared to building a multi-ETF portfolio, which could save you time and money.
  • A single ETF portfolio can make it easier to reach the target weights with a lower minimum investment (just €50 for Mintos Core ETF). And when you want to invest additional money or sell part of your portfolio, you won’t have to juggle several ETFs to keep to your target weights.
What’s the benefit of passive real estate investing on Mintos?

Mintos makes real estate investments accessible to retail investors. Such investments typically require significant capital to buy the entire object. Moreover, the purchasing process can be lengthy, and considerable fees or taxes can apply.

This makes it difficult for many retail investors to invest in real estate, and even more challenging to build a well-diversified portfolio combining real estate with other asset classes. On Mintos, we are changing this: You can invest in small fractions of real estate, starting from just €50, and conveniently build a diversified portfolio with a balanced asset mix.