Make your money grow

Manage your risk

More than 99% of our loans come with a buyback obligation from the lending company

No fees for you

Your account is free, and there are no fees for investing

Accessible for anyone

For every income and portfolio, whether you invest 10 € or 100,000 €

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Savings deposits 3 1.13% DAX 2 4.38% Mintos 11.76% 1 See your investment growing Imagine how much you can earn 1 2 3 Annual returns of 11.76 - 12.91% over the last 4 years Average annual performance from 03/1999 - 03/2019 Average interest rate for deposits with notice of up to 3 months in Germany from 01/2009 - 01/2019

Make the most of your money

Unmatched diversification

Diversify across loan types, loan originators, and different geographies

Build a well-diversified portfolio using Auto Invest

Invest in multiple currencies

Great returns

12.87% average net annual return

Investing has never been more accessible - start investing from EUR 10

Regular cash flow and full control over your chosen maturity terms

Investor protection

Loans with a buyback obligation from the lending company

Full transparency - access comprehensive borrower and loan originator data

Loans only from verified loan originators

See your investment growing

Imagine how much you can earn

Years

The more you invest, the more you can earn. Start building your financial future today.

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Over 300 trusted reviews on Trustpilot

Dmitri Sanzharov
Analysed over 54 peer to peer lending platforms. Mintos is number 1 in my analysis. Insolvency protection, buy back guarantees, good range of interest rates and loan terms. This is the google of P2P platforms. Keep it up Mintos.
Marco Cugno
The most solid P2P lending platform!
The platform is very easy to use. Diversification is the key and Mintos allows to diversify among a lot of companies, type of lones, maturities, interest rates, countries... this makes of mintos the most complete platform around.The only achille's heel seems to be the interest rates that is lower than other platforms around, but I would hardly define my 12,72% xirr a bad investment. You'll see your money grow everyday and I will invest more in the future. For sure it is suggested for everybody who wants to diversify his portfolio and have good and "safe" earnings at the same time.
Stoycho Nedev
The best P2P lender for European citizens in my opinion.
I like Mintos, since it offers largest choice of loan types and terms, as well as originators, countries and currencies. You can achieve very good diversification, matching you own risk profile. The platform is a well established, simple and easy to use and very transparent. You can easily manage your investments. The auto-investor is highly configurable with lots of options to easily achieve your investment goals. The secondary market has no fee and is quite liquid. The recent addition of originator ratings is useful addition.

Join 376 375 investors from 62 countries

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Personal data is secured and protected in accordance with EU General Data Protection Regulation (GDPR).
Secure Sockets Layer (SSL) encryption is used to keep your information safe.
Our risk mitigation policy includes several layers to help protect investors.
Two-factor authentication can be used as an extra layer of security.

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?

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Users must be 18 years old or older.

As of 25th March 2020, we stopped the cashback bonus, offered for new investors until further notice. Please note if you registered past the 25th March 2020 you will not receive any bonus.

© 2021 All rights reserved. AS Mintos Marketplace, Reg. No. 40103903643, Skanstes 50, Riga, LV-1013, Latvia

AS Mintos Marketplace (“Mintos”) is a joint stock company registered in the Commercial Register of the Republic of Latvia under registration No. 40103903643, with legal address at Skanstes iela 50, Riga, LV – 1013, Latvia. Mintos is not regulated under any financial services license. Mintos is a global online marketplace for loans. When you invest on Mintos, you buy claim rights for loan receivables and those are not deposits. Investments in loan receivables are subject to risks. We advise to carefully evaluate the risks and diversify investments.

Past performance does not guarantee future returns. Investing your money puts your capital at risk. Be careful when making investments.