Join Mintos to receive an exclusive 1% bonus

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Registration is free, and there are no fees for investing

Build a portfolio

Deposit and invest a minimum of EUR 10

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Get your cashback within the first 90 days after registration

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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

11.62% 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 guarantee

Full transparency - access comprehensive borrower and loan originator data

Loans only from verified loan originators

Over 300 trusted reviews on Trustpilot

Join 93 904 investors from 71 countries

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?
First, you need to have available funds in your account at Mintos to make investments. Learn how to transfer funds to your Mintos account in the FAQ Getting Started section. section.

Once you have sufficient funds, there are two ways to invest:

1) Auto Invest
- Set your preferred investing criteria, which you can change whenever you like;
- Save time and effort, diversify your portfolio by investing in several loans at once;
- Make your money work by continuously reinvesting interest earned in new loans, accruing compound interest;
- Automatically invest in new loans as soon as they appear in the system without even having to log in. Keep in mind that you can stop Auto Invest at any time.

You can read more about Auto Invest in FAQ Auto Invest section.

2) Manual Investing
- Browse loans currently listed on the Mintos marketplace in either the primary or secondary market and select loans individually to build your portfolio;
- Invest funds in the selected loans or their parts, with the option of reinvesting funds received from borrower payments.
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 through Mintos is free of charge. There are no fees for opening an investor account and no fees for depositing or withdrawing funds. There is also no service fee, or any other fee charged to investors.

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