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Join Mintos with your friend’s code.
There are €1000 reasons to do it.*

*and €1.8 billion to prove it.


Earn up to EUR 1000 by joining Mintos via your friend’s code. Your friend will earn it, too. No limitations!

On the Mintos marketplace, sharing always proves to be something worth doing, especially when it is done among those close to you. Do you know that Mintos investors and their friends have collected more than EUR 300 000 in bonuses via our Refer a Friend (RaF) program?

The Mintos Refer a Friend program offers from EUR 10 and up to EUR 1 000 in bonuses for every new investor who joins Mintos via their friend’s code, and the same bonuses also go to the friend who has invited them - a verified Mintos investor. Accept your friend’s invitation - join Mintos, invest and collect the mutual earnings. After that, you can also become the inviter! There is no limit on the number of invitations you can send, nor on the bonuses you can earn. So shareable!

Join the Mintos Refer a Friend program! Additional benefits and bonuses are our way of saying thank you for investing with Mintos. Invite friends and earn more. No time limit, only limitless opportunities.

It looks like there is no code provided. Please, double check the link you have used or ask your friend to resend the code.

What are the bonuses?

The bonuses of up to EUR 1 000 will be rewarded based on your outstanding investment amount at the end of the Bonus Period (first 14 days after registration on Mintos).

Join, invest, earn and share - we wish both bonuses and good luck for you and your friends.

Bonus system

Is there a hidden “but” behind this?*


Our Refer a Friend (RaF) program has just been reinvented, and we have made things even more simple and more rewarding than ever. You as a new investor and your friend who invited you can both earn between EUR 10 and up to EUR 1 000, depending on your outstanding invested amount at the end of the first 14 days after your registration on Mintos (Bonus Period). In order for both of you to get this bonus, you have to register on Mintos with the RaF code your friend has shared with you.

The payment of the bonus to your and your friend’s account will be made in 5 working days after the end of the Bonus Period.

There is one “but”, but not a hidden one: the only condition is that you are a newcomer to Mintos (still not registered) and that your inviter friend is a verified Mintos investor.

Need more information? Please read our Terms and Conditions

How does this look in practice? It’s simple and bonus-y!

Your friend Michelle invites you to join Mintos by sending you her referral code. You join Mintos and invest EUR 1 000 during your first 14 days on the marketplace. Depending on the outstanding invested amount at the end of your 14th day on the Mintos marketplace, you and Michelle could each get a bonus of EUR 20 in 5 working days after the Bonus Period has ended.

Why you should invest with Mintos?

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Great returns & full control

  • 11.62% average net annual return
  • Accessible cash flow with total control over your portfolio
  • Need your money sooner? Sell on the Secondary market

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Unmatched diversification

  • Choose from numerous loan types originating from dozens of verified lending companies with millions of borrowers
  • Save your time and perfectly diversify! Use our smart Auto Invest strategies
  • Rely on your own judgement and invest manually


Investor protection

  • Loans with a buyback guarantee
  • Full transparency for borrower and loan originator data
  • Loans only from loan originators verified and rated by Mintos

We value transparency, we are progressive and we always work in, and for the best interest of our investors.

Welcome to the Mintos marketplace!

It looks like there is no code provided. Please, double check the link you have used or ask your friend to resend the code.

Frequently asked questions

Who can invest?
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.
How safe are investments?
As with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by Mintos and loan originators to mitigate the risk:

1. All loans are issued according to the established policies of the loan originators, which take into account the borrower's ability to repay the loan.
2. For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk.
3. For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee.
4. For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase.

Investors can mitigate risks by diversifying - making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.
What is the minimum amount that can be invested?
The minimum investment in any single loan on the primary market is EUR 10, DKK 80, GEL 25, PLN 50, GBP 10, SEK 100, RON 50, RUB 700 or CZK 300. There is no minimum for investments in the secondary market.
How do I make money from my investments?
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.
What fees are applicable?
Investing on Mintos is free of charge. There are no fees for opening an account, depositing money, or withdrawing money. Small, transparent fees apply to currency conversion and selling on the Secondary Market.

Have more questions?