Mintos Review 2026: 8 Years, 7 Failed Lenders, Still 7.5% a Year

What is Mintos?

Mintos is Europe’s largest P2P marketplace, based in Riga and operating since 2015. What began as a loan marketplace is now a multi-asset platform — loans structured as regulated Notes, bonds, ETFs, stocks, real estate, crypto ETPs, and the Smart Cash money market product — run by a licensed investment firm supervised by Latvijas Banka.

Mintos had no licence, issued no Notes and had no investor compensation cover when I joined. The Mintos of April 2018 was an unregulated marketplace in a booming, unregulated industry, listing dozens of loan originators whose buyback obligations had never been stress-tested.

How does Mintos work?

Mintos turns loans made by loan originators, which Mintos calls lending companies, into Notes, the securities you buy when you invest in loans on the platform. A loan originator lends to its borrowers, sells the loans to a single-purpose company owned by Mintos and keeps collecting the repayments, and that company issues Notes backed by them. Some loan originators borrow from the Mintos company instead, and that loan backs the Notes. You buy Notes in Sets, either when a Set is first offered or on the secondary market, where other investors sell theirs.

Mintos pays you on a Note only once the money behind it arrives, and a repayment travels from the borrower to the loan originator, then to the Mintos company and on to your account. Money held up on that route shows in your account as a pending payment.

Every loan behind Mintos’ Notes came with a buyback obligation in October 2026, under which the loan originator buys back any loan more than 60 days late.

Mintos earns most of its money from the loan originators whose loans it lists.

What you can invest in

Mintos offers seven kinds of investment in October 2026, with minimums from €1 to €50.

Loans, fractional bonds and real estate on Mintos are Notes issued by Mintos’ own single-purpose companies, so they pay only what the loans, bonds or rental homes behind them pay. ETFs, stocks, crypto ETPs, directly held bonds and Smart Cash are ordinary securities or fund units, held in custody for you.

What return can you expect on Mintos?

While Mintos’ loans carried an average interest rate of 10.31% in November 2026, per its statistics, my own Mintos account returned about 7.5% a year from April 2018 to October 2026. Mintos’ 10.31% doesn’t hold, because loan originators fail, and Mintos’ own figure for what its loans returned net since 2015 is 8.8% a year.

Three things come off today’s 10.31%:

• a fee of 0.29–0.39% a year if you invest through Custom Loans or Core Loans
• the 5% tax Mintos withholds on Notes’ interest once you confirm an EU or EEA tax residence, about half a point
• loan originators that fail, which took 8.2% off Mintos’ loans in 2022 and nothing from 2023 to 2025, by Mintos’ own figures

My 7.5% comes from high-rate, high-risk loans I bought on Mintos from 2018 to 2020, when seven of my loan originators failed. The account is still €307–454 ahead, because the high rates paid for the failures and most of the money left with failed loan originators has since come back. Mintos’ own dashboard shows the top of that range, a total return of €454.05, by counting the €147.37 still in recovery as if all of it will come back. The 7.5% counts that money at Mintos’ expected recovery for each case, and my return would be 6.87% a year if none of it comes back and 8.82% if all of it does.

My Mintos return is an XIRR, a money-weighted return, so it mostly reflects 2018–2020, when €1,300–1,800 was in the account. Each year, with the claims still in recovery at face value and partial years annualised:

• 2018 (from April): 14.1%
• 2019: 12.4%
• 2020: 9.2%
• 2021: 2.4%
• 2022–2025: 0.1–1.0% a year
• 2026 (to August): −15.2%, after €24.50 in inactivity fees

Mintos’ 10.31% today sits below the 12–14% my account earned in 2018 and 2019, so the cushion that absorbed my failures is thinner.

Mintos is tied for the 12th-highest Returns score of the 21 platforms I’ve reviewed, 3.5 out of 5. The score rests on what investors kept last year and this year, not on my own account and not on the risk of losing money, which Is Mintos safe? covers.

Constant annual compounding, before tax and the 0.29–0.39% portfolio fee. The 10.31% is the weighted average rate of outstanding loans in November 2026, not a measured return. Any investment in Notes can lose value.

Is Mintos safe?

Mintos protects your money against its own failure but not against its loan originators’ failures, and seven of mine failed. As a licensed investment firm supervised by Latvijas Banka, Mintos keeps your Notes and cash apart from its own assets, with up to €20,000 from the investor compensation scheme. Mintos’ own statistics counted €189 million of investors’ money in 18 open recovery cases on 28 October 2026, Nera Capital’s €63.5 million the largest. The risk in the assets you hold remains fully yours.

Mintos has the highest Safety score of the 21 platforms I’ve reviewed, 4.3 out of 5. The score rests mostly on how Mintos is built, with a licence, Notes held apart from its own assets and a yearly safeguarding audit, and partly on its record since the 2020 failures. Across the 14 recovery cases that began in 2020, about 74% of the money involved had come back by August 2026, per Mintos’ own report, and 62% on the seven still open.

Is Mintos regulated?

Yes, Mintos is regulated as an investment firm in Latvia. AS Mintos Marketplace has held a Latvian investment-firm licence since August 2021, and Latvijas Banka has supervised it since 2023, when the central bank took over the Financial and Capital Market Commission. Latvian law requires a yearly audit of how Mintos safeguards your Notes and cash, and the audit carried out in 2025 reported no shortcomings, per Mintos’ annual report. Mintos is one of 5 of the 21 platforms I’ve reviewed licensed under MiFID II, the EU’s rules for investment firms, as of September 2026.

Mintos isn’t a bank, so money on Mintos has no deposit insurance. Mintos began the process of applying for an ECB banking licence in February 2026, expecting it to take 12 to 18 months, and a licence would bring deposit insurance of up to €100,000 for bank deposits, not for Notes.

What happens if Mintos fails?

Your Notes and uninvested cash on Mintos stay yours if Mintos itself fails, because they’re held apart from its own assets, and the national investor compensation scheme pays what Mintos can’t return, up to €20,000. If Mintos became insolvent, an administrator supervised by Latvijas Banka would take over, and Mintos’ prospectuses say investor accounts would keep being serviced as far as the insolvency rules allow, possibly with long delays. The scheme doesn’t cover a loan originator’s failure, so my seven recovery cases would play out the same under today’s licence.

What you own on Mintos is a Note, not the loan behind it. A Noteholder holds a limited-recourse security from the Mintos company that issued the Note, per the base prospectuses. You give up a direct claim on the borrowers in exchange for regulated custody.

Uninvested cash on Mintos sits in safeguarding accounts that Mintos’ creditors can’t reach, but Mintos may place it in money market funds, where it stops being client money under the safeguarding rules. If the bank holding that cash fails, any loss is yours, because under Mintos’ terms you waive your claims against Mintos for it.

My own remaining Mintos holdings predate Notes. They’re claims bought under the old assignment agreements, which are legally my property and kept apart from Mintos’ own assets under the current terms, so a Mintos failure wouldn’t pull them into its estate either.

Mintos itself was still loss-making in 2025. Its KPMG-audited annual report shows revenue up 16% to €14.5 million and a loss of €2.2 million before tax, with €10.1 million of losses accumulated since founding. Mintos raised €6.15 million after the year end. Until Mintos makes money, your protection against its failure is the segregation and the compensation scheme, not its balance sheet.

Loan originators

Mintos lists dozens of loan originators, the companies that made the loans behind your Notes. Each keeps at least 10% of every loan it lists as skin in the game. Your return depends less on their borrowers than on whether the loan originators can keep buying back late loans under their buyback obligation.

Most of the money on Mintos is lent outside the EU. On 20 October 2026, 52% of the euro loans outstanding and two-thirds of those left to buy were lent outside the EU and EEA, Kazakhstan alone 19% and 37%. Mintos’ EU licence covers Mintos, not the countries the money is lent in.

Some loan originators on Mintos have far more late loans than the platform as a whole. On 20 October 2026, Watu’s phone loans in Uganda were 89% late and the tenge-denominated loans 31%, against 11.6% for euro loans overall. Notes backed by those loans keep paying because the loan originator keeps buying the late loans back, and Watu ended 98% of its finished loans that way. FintechFinance’s payday loans in Kazakhstan, 48% late, are the exception, because FintechFinance moved into Mintos’ recovery cases in 2026.

Chasing the highest rates on Mintos concentrates your money in one originator. On 20 October 2026, the IDF Eurasia group’s MFO OnlineKazFinance, scored 4.8, made up about 23% of the euro loans left to buy and 70% of those paying 12% or more. Eleven days earlier, Mintos had cut OnlineKazFinance’s buyback-strength subscore, citing overdue payments and worse financial performance. The group’s parent, Solva Group, also owns FintechFinance, one of the 2026 recovery cases, and BusinessZaim, and the auditor of Solva’s 2025 accounts made whether the group can keep operating a key audit matter after the group’s equity fell 88%. My 2019–2020 losses trace to the same pattern. Capital Service alone held about a ninth of my account when it failed, less than the 15% Core Loans allows each loan originator today, and the seven loan originators that failed held about a quarter of it between them.

Buyback obligation

Mintos’ buyback obligation, often marketed as a buyback guarantee, protects you only as long as the loan originator behind it can pay. Every loan behind Mintos’ Notes carried one on 20 October 2026, per Mintos’ own loan book. When a loan is more than 60 days late, the loan originator, or another company in its group, buys it back for the outstanding principal plus the interest earned until then, and that money repays your Notes.

The buyback absorbs almost all late payments on Mintos. On 20 October 2026, 11.6% of the euro loans outstanding were late, but only 25 of 1.1 million loan records were more than 60 days late. Almost half the loans that have ended since mid-2022 ended in a buyback, 46% by number and 36% by amount. In my own account from 2018 to 2020, about 70% of the principal came back through loan originators buying loans back, and only about 13% as borrowers’ scheduled repayments. Most of those repurchases came when a loan was prolonged or amended, and the buyback of late loans returned only about 9% of the principal. The buyback stopped with seven of my loan originators when they failed.

Mintos Risk Score

Mintos rates each loan originator’s Notes with its own Mintos Risk Score, from 10 for low risk down to 1. Mintos updates the score every quarter. The score weighs the loans’ performance at 40%, the loan originator’s servicing and its buyback strength at 25% each and the legal setup at 10%, and Mintos says it isn’t a credit rating. The score follows the interest rate only loosely, with a correlation of −0.38 across the active euro Sets on 20 October 2026, by my computation. Half the euro loans left to buy on 20 October came from loan originators scored below 6, and Watu scored 7.1 with its phone-loan book 89% late. The rate is no stand-in for the score, which has to be read loan originator by loan originator.

Defaults and recovery

Seven of my loan originators on Mintos failed, and each time the buyback stopped and my money waited on a recovery that has been real, slow and sometimes partial. Since 2021 their recoveries have come back in small payments, 102 of them in 2024 alone, the 94 that carried principal averaging €0.27. Two of the seven cases came back whole, and the account’s Overdue page shows Mintos expecting only one more, Capital Service, to do so, by 2027:

• Aforti Finance: suspended in August 2019, 100% recovered, case resolved in 2021
• Eleving Group (YesCash Zambia): 100% recovered, resolved in 2024
• Capital Service: 79% recovered of €191.94, expected 100% by 2027, in restructuring
• Finko (Varks): 81% recovered, expected 50–75%, in restructuring through 2026
• GetBucks (three entities): 0–30% recovered, expected 0–25%, in litigation

Mintos’ expected recovery is a share of the money originally involved, because on closed cases, my Aforti and Eleving cases among them, the final recovery matched it. Finko and one of the GetBucks entities have already recovered more than the top of their range.

Mintos cut the expected recovery on my two Botswana GetBucks cases from 25–50% to 0–25% between 15 August and 21 October 2026, and its case reports have put Wowwo’s at 75–100% every month since January 2023, while its report of 1 August 2026 showed 0% of Wowwo’s money recovered. An expected recovery on Mintos is Mintos’ own estimate, and the 7.5% at the top of this page rests on the current one.

My January 2021 exit from Mintos left €447 with failed loan originators, and about two-thirds of it had come back by August 2026. My Mintos account still had €157.42 overdue on 21 October 2026, €147.37 of it principal. The recoveries are speeding up, with €85.27 reaching my account from January 2025 to 19 August 2026 against €67.23 in the three years before.

My seven Mintos cases are a small part of a larger backlog. On 28 October 2026, Mintos’ statistics counted €189 million of investors’ money in 18 open recovery cases: Nera Capital €63.5 million, FintechFinance €23.3 million and 16 older cases.

A pending payment on Mintos is money a loan originator owes you and hasn’t paid, either borrowers’ repayments it hasn’t passed on or the buyback price of loans more than 60 days late. Of the €189 million in recovery cases, €182.9 million was pending payments, held up for about three years on average, per the same statistics.

For the 16 older cases, Mintos’ own report of 1 August 2026 counted €96.6 million still at risk in euros, without the claims in roubles, and Mintos had recovered 36% of the €145.5 million involved when the trouble began.

Mintos’ still-at-risk figure includes unpaid interest, which is why Wowwo’s is higher than the principal involved.

The 17 cases Mintos has closed recovered 87% of the money involved, and €12.4 million was written off.

Mintos’ loans show almost no defaults while the loan originators pay. On 28 October 2026, Mintos’ statistics showed a default rate of 0.10% for active loan originators, because the buyback takes late loans off the books at 60 days. The losses show in Mintos’ own annual net loss after recoveries: 6.3% in 2020, 3.6% in 2021, 8.2% in 2022 and 0.0% in 2023, 2024 and 2025, with 2026 not yet published.

Mintos took Wowwo, the Turkish car-loan company behind €18.5 million of the money at risk, to arbitration in Latvia in July 2022, and in February 2023 the tribunal sent the case on to the general courts, per Alternative Credit Investor.

Nera Capital and FintechFinance moved into Mintos’ recovery cases between July and late August 2026, after Mintos withdrew the risk scores of both and of BusinessZaim on 9 July. Nera Capital, a litigation-finance loan originator funding UK law firms, paused interest payments while the UK Solicitors Regulation Authority investigates those firms. FintechFinance and BusinessZaim are negotiating restructuring plans, and the secondary market warns that their Notes carry increased risk and that pending payments may be restructured.

Bonds on Mintos carry the same risk from their issuers. Easy Debt Service, a Lithuanian debt-recovery group whose secured bonds Mintos sold as fractional bonds at 13%, has paid coupons late since October 2025. By 3 July 2026, Mintos had received €238,000 from Easy Debt Service and used the money to repay the matured bond with the smallest balance in full. Mintos had also issued event-of-default notices for the bonds that matured on 5 and 19 June. On 25 October 2026, Lithuania’s central securities depository still listed the final repayment of six Easy Debt Service bond series that matured from April to July 2026 as pending.

Conflicts of interest

Mintos has at least five conflicts of interest with its investors, in its terms, its fees and its ownership.

• Mintos can change its terms on 14 days’ notice or with none. You can refuse a change only by closing your account before it takes effect, which you can’t do while you hold investments that aren’t suspended or defaulted. Mintos put the two latest versions in force on the day it published them, 20 August and 12 October 2026, using the agreement’s exception for new services.
• Mintos is paid before you when a troubled originator pays. The current terms put Mintos’ own fees and its external recovery costs, which can’t exceed the amount recovered, ahead of investor payments, and for an originator more than 14 days late, buyback payments can be placed behind other flows entirely, so the payments that reach my account arrive after those deductions.
• Mintos keeps the yield on your idle cash. When Mintos places uninvested cash in money market funds, the return goes to Mintos, not to you.
• Mintos is paid by the loan originators it lists and scores. Their service and success fees brought in €10.7 million in 2025, 74% of Mintos’ income, per its audited annual report. Each loan originator pays Mintos up to 3.59% a year on the investments outstanding in its loans.
• Mintos’ main owners also own some of its loan originators. The four early investors who own most of Mintos co-founded Eleving, the group behind Mogo, Kredo, Sebo and Tigo, and held 74.5% of Eleving at the end of 2025, per Eleving’s annual report. Three of the four also held 57.75% of Sun Finance. Loans from the two groups, Sun Finance’s Finanza and Binly included, made up about 19% of the euro loans outstanding on Mintos on 20 October 2026, and neither Mintos’ share prospectus nor its annual report mentions the overlap.

How do you use Mintos?

You use Mintos in five steps, from signing up to choosing how your money is invested.

1. Sign up on the Mintos website or in the app, and confirm your email address.
2. Verify your identity with Veriff, which you must do before you can add money, and answer Mintos’ questions about yourself.
3. Take the Suitability and Appropriateness assessment, which you must complete before you can invest and whose result decides whether you can use Mintos’ automated portfolios.
4. Add money by bank transfer from an account in your own name, or by card.
5. Choose how your money is invested, by hand, by your own rules in Custom Loans or in the ready-made Core Loans portfolio.

Mintos has the highest Usability score of the 21 platforms I’ve reviewed, 4.5 out of 5. The score rests on Mintos’ strategy tools, which filter Notes by Mintos Risk Score and set a share for each loan originator, and on the yearly tax reports you download from your account. In my account, cash that came back to a paused portfolio didn’t show as available until I cashed it out.

Opening an account

Mintos verifies your identity through Veriff before you can add money. Veriff runs the check automatically from a selfie and photos of your passport, or of an EU ID card with electronic security features, and Mintos says it usually finishes within a few minutes. Mintos’ questions about yourself cover your tax residence and tax number and where your money comes from, and proof of address is asked for only in some cases.

Mintos accepts investors aged 18 or over who live in the EU, the EEA or Switzerland. Its help centre names citizens and residents of those countries, accepts UK nationals living there and considers other nationalities case by case. US citizens can’t register, wherever they live, and neither can UK residents.

Mintos’ Suitability and Appropriateness assessment decides which ways of investing you get. It asks about your income and net worth, your investment knowledge and experience, your goals and appetite for risk, and your sustainability preferences. A poor fit switches off the automated portfolios such as Core Loans, and your answers can also cap how much those portfolios may hold, while buying by hand stays open, sometimes behind a warning. Existing investors had to take the assessment when Mintos was licensed in 2021.

Deposits

Depositing on Mintos is free by bank transfer and costs 2% by card, Apple Pay or Google Pay. In October 2026 the add-money screen offered an “easy” bank transfer with fewer steps, a manual transfer and a card payment. A manual transfer goes to AS Mintos Marketplace’s account at LHV in Estonia with your investor reference, arrives within a few hours if your bank supports SEPA Instant and otherwise in 1–3 business days, and has to come from an account in your own name.

Mintos takes bank transfers in euros over SEPA. If you send from an account in another currency, your bank may convert the money at its own rate and fees, or reject the transfer, per Mintos’ help centre, and converting a balance inside your Mintos account costs from 0.50%.

Auto-invest

Mintos has two kinds of auto-invest for loans, Custom Loans and Core Loans. Buying Notes by hand stays open whatever your Suitability and Appropriateness assessment says.

Mintos recommends €2,000 or more for Core Loans to spread properly. Both automated portfolios charge a yearly fee that buying by hand doesn’t.

The strategy form is where you control risk. In October 2026 its standard version filtered by Mintos Risk Score on a 1–10 scale, loan type, country, interest rate and term, and could exclude loan originators that don’t pay interest on delayed payments. The advanced version listed each loan originator with its Mintos Risk Score, so the share you set for each one can follow the score. The advanced form starts on Dynamic diversification, which caps each loan originator at 15% but raises the cap when a strategy includes too few of them to fill at 15%, to 50% each with two, and it also offers Disabled, which keeps no cap at all. A Custom Loans strategy holds a share you choose for each loan originator only once you switch it to Custom.

My old Diversification strategy, still stored in the account, only buys loans paying 12% or more. That high-rate appetite is where my 2019–2020 losses came from.

Tax reports

Mintos provides a yearly tax report to download from your account. The tax report shows any tax Mintos withheld from your interest. In October 2026 the Reports page held tax reports for 2022 to 2025 and quarterly reports for 2025. Account statements download as CSV or PDF files for a period you pick.

Support

Mintos’ support starts with the Mintos Assistant, an AI chatbot that answers around the clock, per Mintos’ help centre. The assistant passes questions it can’t resolve to a person, and Mintos aims to answer those within 5 business days, a promise no support contact of mine has tested. You can also ask it for a callback, which Mintos handles in its business hours. Support runs in ten languages, and complaints are accepted in English and Latvian. The help centre also has a category of articles on tax and a forum where investors answer each other.

How fast can you get your money out of Mintos?

A withdrawal of cash from Mintos takes 1–2 business days. Mintos charges no withdrawal fee. Invested money comes out as the loans behind your Notes repay, when you sell Notes on the secondary market for a 0.85% fee, or through a free Cash out in Core Loans. Money with a failed loan originator can’t be sold and waits on its recovery, and my open recovery cases run into 2027.

Mintos is tied for the second-highest Liquidity score of the 21 platforms I’ve reviewed, 3.5 out of 5. The score rests on free withdrawals in 1–2 business days and two ways to sell performing Notes, the secondary market and Core Loans’ Cash out, against money with a failed loan originator that can’t be sold until it recovers.

Withdrawals

Mintos withdrawals take 1–2 business days. Mintos withdrawals are free. Mintos says euro withdrawals to a bank that supports SEPA Instant usually take about 30 minutes. I’ve made eight withdrawals since 2021, two in my 2021 exit and then about one a year as recoveries accumulated, and every one went through. My statement shows two of my ten requests cancelled and re-sent: one in January 2021, cancelled the same day and replaced by the exit withdrawal three days later, and one in March 2024, cancelled after nine days and re-sent three seconds later. The two most recent each reached my bank on the first business day after the request. One was requested on Saturday, 15 August 2026 and was there on Monday morning. The other was requested on Thursday, 22 October, processed by Mintos two minutes later and booked by my bank on Friday.

By the end of 2020, €1,229.48 of my Mintos account sat in cash. Apart from my secondary-market sales, the €1,356.60 I withdrew on 15 January 2021 came from repayments and interest.

Money that comes back to a paused Mintos portfolio can’t be withdrawn until you cash it out of the portfolio. It stays there as portfolio cash, out of sight on the withdraw page, and my last €29.17 sat in a paused Custom Loans portfolio for two months.

Secondary market

The Mintos secondary market is where you sell your Notes to other Mintos investors before they mature. A sale costs a 0.85% fee and goes through only when another investor buys. Only Notes with a positive yield to maturity can be listed, and none from a loan originator Mintos has suspended from the secondary market or declared in default. Mintos’ real-estate Notes typically run 10–25 years, so selling them on the secondary market is the only way out before they mature.

I stopped buying on Mintos in August 2020 and used the Mintos secondary market for about a third of my 2020–21 exit, when it still traded loan claims rather than Notes. Between September 2020 and January 2021 I sold 121 positions for about €466 at close to par and paid €3.97 in seller’s fees. In late 2020, with seven of my loan originators failed, the market still took my performing positions at close to par, and only the money with the failed ones stayed behind.

Cash out in Core Loans

Mintos’ Cash out sells the Notes in your Core Loans portfolio to other investors in the same portfolio without the secondary market’s 0.85% fee. Mintos’ Core Loans FAQ says a sale usually takes a few minutes, depending on demand from other investors, and its product card says a few hours under normal market conditions.

Mintos’ Cash out leaves out Sets of Notes with more than 20% late loan exposure or a loan more than 10 days overdue, Notes with a Mintos Risk Score below 3.5, and Notes from loan originators suspended from the secondary market or in default. Those wait until the loans recover or the buyback pays. On 20 October 2026, about a fifth of Mintos’ euro loans by amount sat in Sets above the 20% line, per Mintos’ downloadable loan book. Money in those Sets could leave early that day only through the secondary market, for its 0.85% fee, or by waiting.

Closing your account

You can close your Mintos account with 14 days’ notice, by email or in your profile, once every investment except suspended or defaulted ones has been sold or repaid. Mintos then deducts any fees you owe and sends your free cash to your bank account within 10 business days. Suspended or defaulted investments move to a dormant account, where they stay until they’re repaid or written off, and your profile stays open so you can follow them.

What fees does Mintos charge?

Mintos charges no fee to deposit by bank transfer, buy loan Notes by hand or withdraw. Mintos charges for choices you make, such as automating your investing with Core Loans or your own Custom Loans strategy, paying in by card, selling Notes on the secondary market or exchanging currency. The inactivity fee is the only Mintos fee charged for doing nothing. Mintos is one of 6 of the 21 platforms I’ve reviewed that charge an inactivity fee, as of September 2026.

Mintos also deducts recovery charges, the external costs of chasing a failed loan originator, from the money that comes back, case by case and never more than the amount recovered.

My statements show €28.53 in Mintos fees from April 2018 to August 2026, and no tax withheld, because my old loan claims aren’t the Notes and fractional bonds Mintos withholds tax on. Seller’s fees on my 125 secondary-market sales, the 121 of my 2020–21 exit and four more in 2021, make up €4.03 of the €28.53. The inactivity fee makes up the other 86%.

Mintos’ inactivity fee is €4.90 a month once an account has gone 360 days without an investment, sale, deposit or withdrawal, and recovery payments arriving on their own don’t reset that clock. It took €24.50 from my recovery account in 2026, 47% of what my failed loan originators repaid that year to 21 October, before Mintos began waiving it in October 2026 for balances under €4.90 and for accounts with more than 90% of their loan investments overdue. One investment, sale, deposit or withdrawal every 11 months keeps the fee from starting.

Pros and cons

Who should use Mintos?

Mintos suits:

• Investors who want to spread their money across dozens of loan originators and asset types
• Regulation-first investors — licence, Notes, compensation scheme, audited structure
• Portfolios of €2,000 or more, Mintos’ own advice for Core Loans
• Investors who want a way out before maturity, through the secondary market or Core Loans’ Cash out
• Anyone who’ll set a cap per loan originator deliberately

Avoid Mintos if you are:

• Relying on protection for your capital, because Mintos’ investor protection covers Mintos failing, not a loan originator failing
• Unable to leave money in recovery for six years or more if a loan originator fails
• Chasing the highest rates, which on Mintos concentrates your money in the loan originators paying them
• Looking for a deposit invested with nothing to choose