Mintos Review – A Personal Experience

My favorite crowdlending Platform

27/08/2025

Recent news:

Several reviews on Trustpilot complain about too many pending payments.

I have also experienced pending payments, but the majority have been paid back. A year ago, I had more than €1,000 in pending payments. As of January 2025 it’s reduced to €10. I’m confident that Mintos is maintaining the best interests of us investors, and I don’t consider this a major problem. See how you can protect your investments in my Recommended autoinvest settings.

Mintos is the largest crowdlending marketplace featuring a vast number of loan originators, countries, and loan types and assets. This diversity provides an excellent opportunity for a wide range of investments. Additionally Mintos is frequently developing new asset types. I consider Mintos as the best p2p platform for safety, diversity, liquidity and automatic investments.

I’ve been enjoying an impressive average return of 12% since 2021. Additionally, the regulation under Regulation under MiFID II enhances the platform’s security, making it a reliable choice.

However, I got too greedy and bought a lot of risky loans on the secondary market, just to get a discount. Unfortunately, some of the loan originators had difficulties in repaying. Nevertheless, almost all loans has now been paid back, and as of now, I have not incurred any losses. See how to reduce risk in my recommended autoinvest settings.

Security
- Trustpilot score
Products / Assets
1. Core loans (auto invest and instant withdraw))
2. Ordinary Loans (auto invest and Manual invest)
3. Fractional ETF’s (from €50)
4. Fractional Bonds (from €50)
5. Mintos Smart Cash (Savings Account)
6. Real Estate (Rental income)
Tax
My advise
Verdict
Bonus

Security

License: regulated under MiFID II — one of the most stringent regulatory frameworks in the EU
Trustpilot score: 4.0 (July 2025 ) – note that most 5 star reviews are invited to write a review. I don’t recognize the complaints in the bad reviews.
Buyback guarantee: Yes
Diversity: The best
Late loans: Yes, some loan originators are facing challenges in repaying loans. However, I believe Mintos is managing the situation wisely, and I have not encountered any defaults. It’s important to invest carefully to mitigate risk. See my recommended autoinvest settings.
Withdrawal: very fast – Within minutes, If you use Revolut Bank
Deposit: very fast – Within minutes, If you use Revolut Bank

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Products / Assets

The minimum invest for all products is €50

Core Loans

These are my favorite in all the Crowdlending platforms I know about

When you deposit at least €50, your funds are automatic invested
The core loan investing is prioritized before ordinary loans. This means that you get the best loans with high interest (13.5% in average) and good diversification. I have experienced immediately investment after my deposits
Anytime you may withdraw your invest funds without a fee. The withdrawal is instant if you use Revolut Bank
For this you pay an annual fee of 0.39% of your investments. I believe this is a small prise for getting loans with higher interest, high liquidity and short or no cash drag
You may set up a monthly recurring deposit of ex. €50 – and withdraw when you need liquidity. As alternative to a savings account with low interest

Ordinary Loans

Interest: my return has been 12% since 2021.
Loan types: Plenty different loan types
Loan term: 1 month to several Years
Available loans: Plenty
Minimum invest: 50€ (which includes a bunch of different loans – similar to ETF shares)
Secondary market: Yes. Fee per sale: 0,85%
Autoinvest: Yes. Very detailed. One-Click autoinvest is also available

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Recommended autoinvest settings

Currency: EUR (Investing in less stable currencies can be very risky)
Market: Primary
Country: all except Russia, Belarus and Ukraine
Risk score: 6-10
Loan type: All
Loan originators: all except ID Finance and Fenchurch Legal
Interest rate: 10%-17%
Remaining term: 0-24 month
Portfolio tagit: a little higher than your account value (the value increases, when you get interest 🙂
Investment per set of notes: 50 – 60 EUR
Diversification: Dynamic (If your auto investment doesn’t find enough loans to invest in, you might have to disable diversification)

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Fractional ETF’s

As you may know, ETFs are a bundle of shares, where you buy a part of that bundle. And every time you buy or sell, you have to pay a fee. And even if you don’t trade, you have to pay an annual fee.

In Mintos you can invest in a fractional EFT for a minimum of 50€. You may sell and buy the whole or a part of your share without fees.

Mintos core ETF is a single ETF that contains a package of about 7 ETFs. Each of these ETF is a package of many shares or bonds. So investing in this single ETF is highly Diversified.

As the price can go up and down, it is recommended to invest gradually. This mitigates the risk of investing when the price is too high.The best would be to invest €50 every month. If you prefer to invest only once a year, the prices are often lower in the authoum than around December and January.

Read how Mintos describes Fractional ETF’s.

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Fractional Bonds

As the word indicate this allows you to invest in a small part of a bond. Investing in traditional bonds requires a substantive capital. But by investing in fractional bonds you can invest as little as 50€ to get a small share of a regular bond. In addition there are no fees. This allows you to buy more bonds and increase your diversity. Furthermore you get better liquidity because you can buy and sell with zero-fee.

You can typically earn a 13% interest in a 5-year term. This is a great way of increasing your overall portfolio diversity.

Security: the bonds are secured (or even better: senior secured). This means that they are backed up by assets like real estate or equipment in the case of default.

Read how Mintos describes Fractional Bonds.

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Fractional ETF’s vs Fractional bonds

Fractional shares: The price may go up and down. Historical shares has gained an average of about 7% a year. But some may perform better and others may deliver a loss. It considered to keep investments in shares for at least 3 years and preferable longer, to archive the average profit.

Fractional bonds on the other hand, provides a steady interest every year. And you get your full investment back in the end of the term. But if you want to sell ahead of the term, you may have to take a loss.

Mintos Smart Cash

Mintos offers this alternative to traditional bank savings accounts. The interest rate of about 3.75% is higher than that of traditional banks but lower compared to other high-yield savings accounts. Additionally, Mintos Smart Cash is the most liquid savings account, as withdrawals and deposits are often made within the same day and without a fee.

Real Estate (Rental income)

A monthly rental income is more secure than investing in the construction of real estate. The interest is about 5%. This can be a good supplement to your diversity and security.

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Tax

Home country: Latvia
Tax: For investors who invest as private persons and are tax residents of EU/EEA countries outside of Latvia, the withholding tax rate on interest income is 5%
When you declare taxes in your country of tax residence, you can usually reduce the total tax payable by the withheld amount, so your only pay your country’s normal tax rate
Read more

My advise

If you only want to invest in one crowdlending marketplace, Mintos offers the best diversity and one of the best securities
I recommend the Core loans as the main investment – and as an alternative to an ordinary bank savings account
You might also consider investing in Fractional Bonds, Fractional ETF’s and Real Estate increasing your overall portfolio diversity
But as always: I recommend investing in several different platforms to mitigate your risks – including shares and bonds

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