The only reason I am not giving 5 star is delayed loans. The majority is related to Russian and Ucranian markets though. The app is constantly updated and there is a large selection of bonds to Invest... See more
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Review summary
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Reviews shaping this summary
easy use of platform and it comes with an app as well, however, the app has limited features compared to its website. this could be improved. Also the bond or lets say overall the portfolio analysis... See more
Company replied
It works fast and has good variety of investments, with automated options that are very convenient. It is quite easy to use. I think it'd be great to have unified experience between desktop and app, a... See more
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Good Investing Platform, different products available, good returns. Of course as in every financial operation there are risks and this is no financial advice, but Mintos seems pretty much strong at... See more
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Company details
Written by the company
Mintos is Europe's leading investment platform for earning regular passive income, with over €600 million in assets under management for more than 500,000 registered users. Authorized under MiFID, Mintos enables users to build diversified portfolios of income-generating assets through both automated and manual investment strategies. Mintos has earned multiple industry awards since its founding in 2014, including five consecutive AltFi People's Choice Awards.
Contact info
Skanstes 50, LV-1013, Riga, Latvia
- https://help.mintos.com/hc/en-us/requests/new?ticket_form_id=1900000251753
- https://help.mintos.com/hc/en-us/requests/new
- mintos.com
3.9
Great
5K reviews
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Good digital platform
Mintos - they keep improving their service and platform. One aspect I like minots is scoring.
September 26, 2024
Reply from Mintos
Hi Saravanan,
We appreciate you sharing your positive experience! It's great to hear that you're happy with the improvements to our platform and service, especially the scoring feature. Thanks for your feedback.
Kind regards,
Mintos team
Best investment platform in Europe!
September 26, 2025
Reply from Mintos
Dear Viesturs,
Thank you so much for your wonderful feedback!
We’re thrilled to hear you consider Mintos the best investment platform in Europe. Our team works hard to provide investors with a safe, transparent, and user-friendly experience, and it’s great to know it makes a difference. We truly appreciate your trust and support!
Best regards,
Mintos
Easy to use and solid performance of invest
Very easy and intuitive including automated investment selection (for loans) good looking app and it's serving me for a good while now, delivering Solid 11% on a 5 digit invest. Definitely recommend.
September 24, 2025
Reply from Mintos
Hello!
Thank you for sharing your experience with Mintos! It’s great to hear that you find the platform easy to use and intuitive, and that automated investment selection has been working well for you. We’re also glad you’ve been with us for a while already and that the app continues to deliver the performance you’re looking for.
We really appreciate your trust and recommendation — and if you ever have questions or need support, our team is always here to help!
Regards,
Mintos Team
Misleading practices.
They make it not too difficult to become a customer, or that's how they make it seem. After you signed up and invested money, they suddenly require a lot more very private documents or else your account will be shut down. They should be upfront about the documents you need to provide.
September 24, 2025
Reply from Mintos
Dear Steven,
Thank you for sharing your feedback. We sincerely regret that your experience with Mintos did not meet your expectations. Your concerns are very important to us.
We understand that the requests for documentation may have felt excessive or intrusive. As a regulated financial platform, we are required to comply with strict anti-money laundering (AML) and other regulatory standards. We acknowledge that this process can sometimes feel complex and frustrating, particularly when additional documents are requested after initial registration.
Regarding the decision to terminate our cooperation, please allow us to clarify that this is a business decision made in accordance with the Terms and Conditions of our platform, and it is not a reflection of your integrity.
Should you have any further questions or require assistance, please do not hesitate to contact us directly.
Best regards,
Mintos
Complete and intuitive interface
Complete and intuitive interface, always improving with time.
September 22, 2025
Reply from Mintos
Dear Flavio,
We're happy to hear that you find our interface complete and intuitive! We appreciate your positive feedback and are committed to continuous improvement.
Kind regards,
Mintos team
Good Investing Platform
Good Investing Platform, different products available, good returns.
Of course as in every financial operation there are risks and this is no financial advice, but Mintos seems pretty much strong at the moment.
Site well structured and useful app.
September 21, 2025
Reply from Mintos
Hi Francesco,
We're happy you find our platform and app useful, and that you appreciate the investment options and returns. We acknowledge the risks involved in financial operations, and we value your feedback on Mintos' strength. Thank you!
Kind regards,
Mintos team
Stable P2P Lending service that is expanding
Good experience with their P2P lending platform and now when they are expending into ETFs and bonds I have a sense of even greater stability.
They pulled through some tough times for markets and kept a high level of service.
September 1, 2025
Reply from Mintos
Hi Dubravko,
Thank you for sharing your experience with Mintos! We’re delighted to hear that you’ve had a positive journey with our P2P lending platform and that you value the stability we aim to provide.
It’s also great to know you appreciate our expansion into ETFs and bonds — our goal is to give investors more opportunities to diversify while maintaining the same high level of service you’ve come to expect.
Thank you for your trust and for being part of the Mintos community!
Mintos Team
super user friendly
The website and the application are crystal clear and super user friendly.
September 19, 2025
Reply from Mintos
Dear Fabio,
We're happy to hear that our website and application are user-friendly for you. Thank you for your positive feedback; we appreciate you taking the time to share.
Kind regards,
Mintos team
Reply from Mintos
Hello,
Thank you so much for taking the time to share your feedback. We're thrilled to hear that you chose these specific words to describe Mintos.
If you ever have any more thoughts, suggestions, or need assistance, please don't hesitate to reach out.
Best regards,
Mintos team
Ridiculous business practices
Ridiculous that you send an email communicating a "monthly inactivity fee" without ANY explanation what that means for someone like me who hasn't used Mintos for YEARS. Absolutely ridiculous practice! I wish to never have anything to do with Mintos again.
September 13, 2025
Unprompted review
Reply from Mintos
Dear Paul,
Thank you for your feedback and apologies if this caused you any concern. The terms will be changed on the 1st of October 2025, you can find the outline of the changes here https://help.mintos.com/hc/en-us/articles/4416822991121-How-does-the-inactivity-fee-work
We will take your feedback into account for our future updates when it comes to making changes to the terms of our existing fees.
Kind regards,
Mintos team
At Mintos
At Mintos, you can literaly start investing within minutes, everything is digital. However, when you need to handle a heritance of an investor, all digital mindset is gone. You have to pay hundreds of Euro's to translate normal country based docurments to English and have to send all documents fysically, a process of months. Once you do have confirmation that everything is correct and I am confirmed the rightfull heir with power of attorny, you do not get actual control and there is no policy or proces in place how to handle this. I literally have to wait DECADES untill all loans are repaid in full before I have all the money back from my deceased relative. So, all users, please be aware that in case of the worst, your heirs might have to wait DECADES to get the money and have to pay extra hundred's of euro's on top of normal local documentation. I am withdrawing in total form Mintos platsform, I do not want to bring this burden to my kids dispite the short term gains of this.
September 11, 2025
Unprompted review
Reply from Mintos
Dear Serge,
Thank you for taking the time to share your feedback. We are very sorry to hear about the difficult circumstances you are facing and the frustration this situation has caused.
We would like to clarify that in the unfortunate event of an investor’s passing, the transfer of funds from the assets to heirs requires a thorough legal and compliance process. This involves confirmation of inheritance rights and submission of the necessary documents. We understand this can feel lengthy and burdensome, however, this process is essential to ensure security and fairness. It allows us to verify the rightful heirs and guarantees that the transfer of funds is handled safely.
Regarding the repayments, they follow the original schedules. Unfortunately, it is not possible to accelerate or liquidate the investments in full, as this is not permitted under our internal policies. This means that repayments are processed and transferred to heirs as they are received, and in some cases, maturities can indeed extend over many years.
We understand this may not be the outcome you were hoping for. Your feedback has been shared with our management team so they are aware of the challenges heirs may encounter in such cases.
If you require any other assistance, please let us know, and we will do our best.
We sincerely value your trust and understanding.
Best regards,
Mintos
Reply from Mintos
Dear Erika,
thank you for your 5-star review!
We’re glad to hear that you find investing easy with Mintos and that our quick support in your language has been helpful. If you have any questions, please don’t hesitate to contact us.
Best regards,
Mintos
Reply from Mintos
Dear Michele,
thank you for your 5-star review!
We’re delighted to hear that you find investing with Mintos easy, enjoy the interest rates, and appreciate the user-friendly website. If you have any questions, please feel free to contact us.
Best regards,
Mintos
Reply from Mintos
Dear Edmundas,
Thank you so much for your 5-star review!
We’re glad to know you see Mintos as a good company, and we truly appreciate your support. Our team is dedicated to making your investing experience smooth and rewarding.
If you ever have questions or suggestions, please feel free to reach out to our Support team — we’ll be happy to help.
Best regards,
Mintos
Passive income
I like the platform, from year to year I see how I get closer to a passive income that will cover part of my monthly expenses
August 31, 2025
Reply from Mintos
Dear Lucian,
thank you for your 5-star review!
We’re glad to hear that Mintos is helping you move closer to your goal of achieving passive income and covering part of your monthly expenses. It’s great to know that the platform supports your long-term investment journey.
If you have any questions or suggestions, please don’t hesitate to contact us.
Best regards,
Mintos
So far everything working great
I like the web interface, the site is fast and responsive and helpful. It is very easy to navigate and there is help on many areas. The app needs some work to be better. It's a bit funny that when you navigate inside the app it ends up opening a website on your mobile phone's browser to be able to browser offers.
August 30, 2025
Reply from Mintos
Dear Konstantinos,
thank you for your 5-star review!
We’re pleased to hear that you enjoy the fast and user-friendly web interface, as well as the helpful resources available on the site.
We also appreciate your feedback regarding the app experience. Improving the app is an important focus for us, and insights like yours help us make it better for all investors.
If you have any further questions or suggestions, please don’t hesitate to contact us.
Best regards,
Mintos
My experiences after 4 years
Interest, safety, liquidity, many options to invest, buyback, secondary market
August 30, 2025
Reply from Mintos
Dear Investor,
Thank you for sharing your experience with Mintos and for being with us for more than 4 years!
We’re glad to hear you value the interest rates, safety measures, liquidity, investment options, buyback feature, and secondary market. Your feedback means a lot, and we’re always working on improving to make investing with Mintos even smoother. If there’s anything we could do to turn your 4 stars into 5, we’d love to hear your suggestions.
In case you have any questions or suggestions, please feel free to contact our Support team — we’ll be happy to help.
Best regards,
Mintos
Simple interface and comunication
Simple interface and comunication, fast customer support
August 25, 2025
Reply from Mintos
Dear Acacio,
Thank you so much for your kind words!
We’re delighted to hear that you find our platform simple to use and that our support team has been helpful and responsive. Clear communication and fast assistance are things we care deeply about, so it’s wonderful to know this made a difference for you.
We truly appreciate your feedback and your trust in Mintos!
If you ever have any questions, please don’t hesitate to contact us — we’re always here to help.
Best regards,
Mintos
A Modern and Reliable Platform
A Modern and Reliable Platform for Diversifying Your Investments
I've been using the Mintos platform for some time now, and I'm genuinely impressed with its evolution and performance. As someone looking to diversify my investment portfolio beyond traditional stocks and bonds, Mintos has proven to be an excellent choice. This review is based on my personal experience with the platform and its features.
Why I Think Mintos Is a Great Platform
User-Friendly Interface: The platform is incredibly intuitive and easy to navigate. Whether you're a seasoned investor or just starting, the process of setting up an account and making your first investment is seamless. The dashboard provides a clear overview of your portfolio's performance, which I find very helpful.
Powerful Auto Invest Feature: The "Auto Invest" tool is a game-changer. It allows you to set your own investment criteria, such as risk level, interest rate, and loan duration, and the platform automatically invests your available funds for you. This makes it incredibly easy to build a diversified portfolio without spending hours manually selecting each loan.
Solid Returns: The returns I've seen on my investments have been consistently strong and align with the platform's advertised average. While past performance is no guarantee of future returns, Mintos has delivered a competitive return on my capital, which is a major factor in my continued use of the service.
Expanding Investment Options: Originally known for its peer-to-peer loans, Mintos has broadened its offerings to include Bonds, ETFs, and other assets. This expansion is a fantastic step, allowing me to further diversify my portfolio all within a single, regulated platform. The move to become an authorized investment firm under MiFID is a huge plus for security and investor protection.
A Few Things to Keep in Mind
No investment platform is without its risks, and it's important to be aware of a few things with Mintos. The "buyback guarantee" on some loans is a good feature, but it's not a silver bullet against all risk. It's crucial to understand that investing in loans carries an inherent risk of default.
Also, while the platform is great for passive investing with Auto Invest, there can be periods where uninvested cash (cash drag) sits in your account, especially if your criteria are very specific. You should also be aware of the inactivity fee if you don't actively use the platform.
Final Verdict
Overall, I highly recommend Mintos. It's a professional, transparent, and user-friendly platform that has helped me successfully diversify my investments and generate passive income. Its regulatory status and a clear commitment to expanding its product offerings make me confident in its future. For anyone looking for a modern alternative to traditional investments, Mintos is definitely worth a look.
August 24, 2025
Reply from Mintos
Dear Ana,
thank you for your 5-star review and for sharing your experience with Mintos in such detail.
We’re delighted to hear that you find the platform modern, reliable, and a valuable tool for diversifying your investments. It’s great to know that you appreciate the user-friendly interface, Auto Invest feature, and the expanding range of investment options, as well as our step to become an authorized investment firm under MiFID.
Transparency and investor protection are central to what we do, and insights like yours help other investors make well-informed decisions.
If you have any further questions or suggestions, please don’t hesitate to contact us.
Best regards,
Mintos
Reply from Mintos
Dear Anders,
Thank you for sharing your positive feedback!
We’re delighted to hear that you find Mintos easy to use. Making investing straightforward and accessible is one of our top priorities, and it’s great to know this reflects in your experience.
In case you ever have any questions, please don’t hesitate to contact our support team — we’ll be happy to assist.
Best regards,
Mintos
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