Mintos Bonus 2026: Get €25 Cashback (No Promo Code Needed)

The Mintos bonus is €25 for new investors who sign up through a partner link, as of November 2026. To get the bonus, you invest €1,500 or more within 30 days and keep it invested, with no withdrawals, until day 90.

By Uffe Stjernholm
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€25 bonus

On €1,500+ invested within 30 days

€25 on €2,000 · +1.25 percentage points on your first year's return

Keep €1,500 invested, with no withdrawals, until day 90

Investing on Mintos puts your capital at risk, and a bonus doesn't change that.

Claim bonus

Opens mintos.com

Bonus
€25
Flat bonus
Required
€1,500
To qualify for the bonus
Time to invest
30 days
Hold
Day 90
Keep €1,500 invested, no withdrawals
Promo code
None
Via the link

What is the Mintos bonus?

The Mintos bonus is a one-time €25 welcome bonus that Mintos pays to new investors who sign up through a partner’s tracking link, such as the link on this page. Mintos pays the bonus into your Mintos cash account once you’ve invested €1,500 or more within 30 days of registering and kept it invested, with no withdrawals, until day 90. The offer is open in every market Mintos serves.

Mintos gives you 30 days to invest. No other bonus on this site with a set number of days gives you less. 5 others also give 30 days, and 15 give you more.

How to claim on Mintos

You claim Mintos’ offer in six steps, and the last one runs until day 90 after you register.

  1. Open Mintos through the link on this page

    Use the claim button above, and finish the sign-up in the same browser.

    Claim bonus ↑
  2. Register and verify your identity

    The Mintos sign-up form asks for your name, country of residence, email and a password, and its promo code field stays empty. Mintos then checks your identity through Veriff. EU citizens can use a passport or an ID card with electronic security features, and non-EU citizens need a passport. Mintos charges a one-time €50 review fee on company accounts and on selected individual accounts resident or tax-resident outside the EU, the EEA and Switzerland.

  3. Complete the Suitability and Appropriateness assessment

    Mintos won't let you make any investment until you've completed its Suitability and Appropriateness assessment. Your answers decide which ways of investing Mintos opens to you, so finish it early in your 30 days.

    Up to 5 minutes
  4. Deposit at least €1,500

    Transfer from a bank account in your own name. A normal SEPA transfer takes 1–3 business days, and SEPA Instant arrives within hours. A card deposit costs 2% on top, €30 on €1,500, which is more than the €25 bonus. Apple Pay and Google Pay cost the same 2% and take at most €1,000 a month.

    1–3 business days
  5. Invest €1,500 or more within 30 days of registering

    Mintos counts investments in loans, bonds, ETFs and real estate toward the bonus.

  6. Stay invested until day 90

    Keep €1,500 or more invested until day 90 after registering. Mintos pays the bonus within 5 business days after day 90.

What is the bonus worth for your amount?

Mintos’ offer is a fixed €25, so it adds less to your first year’s return the more you invest.

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€25
Added to your first year's return, once
+1.25 percentage points

Mistakes that cost you the bonus

Mintos’ offer is all or nothing, so each of these mistakes costs you the whole €25.

Registering at mintos.com directly
Mintos pays the bonus only to new investors who sign up through a partner's tracking link, so an account opened without one doesn't qualify.
Depositing without investing
Cash that sits in your Mintos account doesn't count toward the €1,500. Only invested money does.
Counting Smart Cash, stocks or crypto ETPs
Mintos leaves Smart Cash, stocks and crypto ETPs out of the €1,500, so money held there doesn't help you reach it.
Counting the 30 days from your deposit
Mintos' 30 days run from registration, so the time your identity check, assessment and bank transfer take comes out of them.
Withdrawing before day 90
Mintos' terms for the offer rule out any withdrawal until day 90, so a withdrawal cancels the bonus even while €1,500 or more stays invested.

Mintos’ support team handles questions about the offer and your eligibility, such as a bonus that wasn’t paid within 5 business days after day 90.

Offer history

Mintos has 18 offers open to new investors on record since December 2016. 9 of them are campaigns, and 9 are versions of its standard sign-up offer, one for each change in its terms. The latest campaign, INVEST26, ended on 30 September 2026. Mintos has started 4 campaigns since November 2025.

Offers on Mintos running now or ended since November 2025
Offer Conditions From Until
€25 bonus €1,500+ invested within 30 days, kept invested to day 90 RunningVerified 10 Nov 2026Claim
INVEST26 €20–€500 bonus €20 for €1,500+ invested, up to €500 for €25,000+, kept invested to 31 Dec 2026
€25 bonus €1,500+ invested within 30 days, kept invested to day 90
WEALTH26 (Spring 2026) €20–€500 bonus €20 for €1,500+ invested, up to €500 for €25,000+, kept invested to 31 Jul 2026
THINK2027 €20–€500 bonus €20 for €1,500+ invested, up to €500 for €25,000+
Black Friday 2025 €50 bonus €1,500+ invested within 30 days, kept invested to day 90
€25 bonus €1,500+ invested within 30 days, kept invested to day 90
Offers that ended before November 2025 (11)
Offers on Mintos that ended before November 2025
Offer Conditions From Until
WEALTH25 €20–€500 bonus €20 for €1,500+ invested, up to €500 for €25,000+, kept invested to 31 Jan 2026
WEALTH (2025) €20–€500 bonus €20 for €1,500+ invested, up to €500 for €25,000+, kept invested to 31 Dec 2025
€25 bonus €1,500+ invested within 30 days, kept invested to day 90
€25 bonus €1,500+ invested within 30 days, no holding period
DIVERSIFY (Spring 2025) €25–€200 bonus €25 for €1,500+ invested, up to €200 for €20,000+, kept invested to 31 Jul 2025
€25 bonus €1,500+ invested within 30 days, no holding period
New Year 2025 (GOALS2025) €50–€500 bonus €50 for €1,000+ invested, up to €500 for €20,000+, kept invested to 31 Mar 2025
€15 bonus €1,500+ invested within 30 days, no holding period
Summer Bonus 2024 (SUMMER24) €10–€200 bonus €10 for €250+ invested, up to €200 for €10,000+
€50 bonus + 1% cashback €50 on €1,000+ invested · 1% on €1,000+ invested
1% cashback Invested within 90 days

The dates come from Mintos' own terms, posts and announcements, and from archived copies of its website. A date marked "or earlier" or "or later" is the first or last day the evidence shows the offer running. "About" marks a date worked out from other evidence.

How Mintos' offer compares

Mintos' offer pays €25 on €2,000 invested. Of the other 23 bonuses on this site, 5 pay more on that amount and 18 pay less. Mintos' offer needs €1,500 invested. No other bonus on this site with a verified minimum needs more.

The list groups the offers by each platform's rating, from Recommended and Investable down to Not recommended. Within each group, the offers run from the most to the least they pay on €2,000. The Not recommended group is ordered by rating instead.

  1. LANDE bonus · 3% cashback

    €60 on €2,000

  2. Mintos bonus · €25 bonus You're here

    €25 on €2,000

  3. Nectaro bonus · 1% cashback

    €20 on €2,000

  4. VIAINVEST bonus · 0.5% cashback

    €10 on €2,000

  5. TWINO bonus · 0.5–2% cashback

    €10–€40 on €2,000

  6. Go & Grow bonus · €5 bonus

    €5 on €2,000

  7. PeerBerry bonus · 0.5% extra interest

    €3.33–€10 on €2,000, depending on loan length

High risk

  1. InSoil bonus · 2% cashback

    €40 on €2,000

  2. Lendermarket bonus · 1.5% cashback

    €30 on €2,000

  3. Robocash bonus · 1–2.5% cashback

    €20 on €2,000

  4. Esketit bonus · 0.5% cashback

    €10 on €2,000

  5. Monefit bonus · 0.25% cashback

    €5 on €2,000

Not reviewed yet

  1. Modena bonus · €25 bonus + 1% cashback

    €45 on €2,000

    Not reviewed yet · Unregulated
  2. Triple Dragon Funding bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated
  3. Devon bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated
  4. Afranga bonus · 0.5% cashback

    €10 on €2,000

    Not reviewed yet · ECSP
  5. Indemo bonus · 0.5% cashback

    €10 on €2,000

    Not reviewed yet · MiFID II
  6. Crowdpear bonus · 1% extra interest

    €5–€20 on €2,000, depending on loan length

    Not reviewed yet · ECSP

Bonuses on platforms rated Not recommended

  1. Debitum bonus · 1% cashback

    €20 on €2,000

  2. Hive5 bonus · 1% cashback

    €20 on €2,000

  3. Estateguru bonus · 0.5% cashback

    €10 on €2,000, paid as investment credit

  4. Lonvest bonus · 0.25–1% cashback

    €5–€20 on €2,000

  5. Maclear bonus · 3% cashback

    €60 on €2,000

  6. Loanch bonus · 1% cashback

    €20 on €2,000

All P2P bonuses are on one page, in the same order.

Frequently asked questions

Do I need a Mintos promo code?

No, you don't need a Mintos promo code to get the Mintos bonus. Signing up through the link on this page gives new investors a €25 bonus as of November 2026. The Mintos sign-up form has a promo code field, and the Mintos bonus doesn't need anything in it. No referral code or bonus code is needed either. Mintos' offer needs no invitation code. Mintos' offer can't be combined with any other Mintos bonus code or promotion.

Can I get the bonus if I already have a Mintos account?

No, the Mintos bonus is for new investors only. Mintos allows one account per person, so a second Mintos account isn't a way to qualify. The sign-up bonuses of other platforms are listed under all P2P bonuses.

When do I get the Mintos bonus?

Mintos pays the bonus within 5 business days after day 90, counted from your registration. Mintos pays the bonus only if €1,500 or more stays invested, with no withdrawals, until day 90.

Can I withdraw the Mintos bonus?

Yes, the Mintos bonus can be withdrawn once Mintos pays it into your Mintos cash account after day 90. Any withdrawal before day 90 cancels Mintos' offer.

Do I pay tax on the Mintos bonus?

Whether you pay tax on the Mintos bonus depends on the country you're taxed in. The tax rules checked for the 31 countries this site covers don't mention P2P platform bonuses directly, as of October 2026. Finland's income tax act comes closest. Since 1 January 2026, Finland's income tax act treats cashback earned on investments as capital income. Whether the Finnish rule covers foreign P2P platforms is unsettled. In other countries, a bonus can count as investment income, as other income or, in some readings, as no income at all. The category decides your tax rate and whether a tax-free allowance for small amounts applies. Your tax authority or a tax adviser can tell you which category applies to you.

How does Mintos' refer-a-friend program work?

Mintos' refer-a-friend program pays an existing Mintos investor a reward for each new investor, up to 20, who registers through their refer-a-friend link and invests. Both investors have to live in the EU or the EEA. A new investor who registers through a friend's link and invests €1,000 within 30 days gets a bonus from the program too. That bonus is 1% of their average invested balance over the first 90 days, up to €100. A new Mintos account gets either the refer-a-friend bonus or the offer on this page, never both. Mintos' terms bar refer-a-friend links from review sites, so this page carries none.

Has Mintos offered other bonuses before?

Yes, Mintos has 18 offers open to new investors on record since December 2016. 9 of them are campaigns, and 9 are versions of its standard sign-up offer, one for each change in its terms. The latest campaign, INVEST26, ended on 30 September 2026. Mintos has started 4 campaigns since November 2025.

Which Mintos investments count toward the bonus?

Four kinds of Mintos investment count toward Mintos' offer, namely loans, bonds, ETFs and real estate. Smart Cash, stocks and crypto ETPs don't count toward Mintos' offer.
Uffe Stjernholm
P2P investor since 2018

European P2P lending investor since April 2018. Active across numerous platforms with my own money on the line. Survived the 2020 COVID liquidity crunch and its wave of originator collapses — and learned its hardest lesson: never trust a buyback obligation from a thinly capitalised originator.

8+ years experience Own money on 8 of 21 reviewed platforms

Required by Mintos' affiliate program

This is not an offer to invest

Investing in financial instruments involves risk. No investment is guaranteed, and there is always a risk of partial or full loss of invested funds

This information is not investment advice or a recommendation. All investment decisions shall be made by you independently, taking into account all your personal circumstances

This publication / content has been prepared within paid partnership with Mintos

The value of your investment can go up as well as down. You could lose some or all of the invested money.