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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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
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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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My money has been BLOCKED for over 4 years
My money has been frozen for over four years. FINKO and GetBucks went bankrupt and stopped paying. My money was frozen. MINTOS rated these companies highly trustworthy, and just a month later, my money was blocked. I think MINTOS has responsibilities, as they indicated these companies as good payers.
20 August 2025
Unprompted review
Reply from Mintos
Dear Wellington,
Thank you for sharing your experience with us.
We understand that having overdue funds can be frustrating and we are committed to recovering 100% of the overdue funds.
Please note that before we start a cooperation with any lending company, we perform very extensive due diligence, request related documentation, visit the potential partner in person, in order to check and verify all the provided data and information.
The rating for each lending company is calculated based on several factors that come into the play. While a lending company can have a very good score, the circumstances can change significantly which then affects the ability of the lending company to fulfil its obligations towards Mintos. Diversification plays an important role within the world of investments and following this principle, one can reduce the risks related to the investments.
Saying that, it is our aim to recover the overdue funds as quickly as possible, the recovery processes are however very complex and can take up to several years. Important to mention is that the overdue funds are not considered to be lost.
We appreciate your patience and understanding as we navigate these complexities. If you have any questions, please contact our support team directly.
Best regards,
Mintos
Reply from Mintos
Dear Martin,
Thank you for your positive feedback and 5-star rating.
We’re glad everything went smoothly for you and that there were no issues. If you ever need assistance, our support team is always here to help.
We wish you happy investing with Mintos!
Best regards,
Mintos
A good platform for investing…
This is a good platform for investing money, but unfortunately the amount of overdue payments on my account is huge, which today causes dissatisfaction and uncertainty about the return of invested money
18 August 2025
Unprompted review
Reply from Mintos
Dear Jurijs,
Thank you for sharing your feedback. We’re glad to hear you consider our platform a good place for investing. We also understand your concerns regarding overdue payments and the uncertainty this creates. It’s important to keep in mind that, as with any type of investing, some level of risk is normal. The best way to minimize this risk is to diversify your funds across different investment opportunities. Please know that our team is actively working to reduce payment delays and improve overall reliability.
If you have any questions, please reach out to our support team and we’ll be happy to assist you directly.
Kind regards,
Mintos team
It works fast and has good variety of…
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, as sometimes things become harder to find.
18 August 2025
Reply from Mintos
Dear Joana,
Thank you for sharing your experience! We’re glad to hear you find the platform fast, convenient, and easy to use. Your feedback about having a more unified experience between desktop and the app is very valuable. We’re always working to improve consistency across devices. We truly appreciate your input and support!
Kind regards,
Mintos team
Trust and nice app
18 August 2025
Reply from Mintos
Dear Ricardo,
Thank you for your feedback!
We appreciate your trust and are glad you like our app!
Kind regards,
Mintos team
Reply from Mintos
Dear Antonio,
We're happy to hear that you had a positive experience with our platform and people, and that you found it beneficial for your earnings.
Kind regards,
Mintos team
Invest money of mintos
earn high interest by investing in loans and other products such as exchange-traded funds customer service provides answers within a reasonable time
17 August 2025
Reply from Mintos
Dear Per Gustav,
We're happy to hear that you find our investment options appealing and appreciate the promptness of our customer service. Thank you for sharing your positive experience with us!
Kind regards,
Mintos team
Reply from Mintos
Dear Simão,
We're happy to hear that you had a great experience with our company! Thank you for your positive feedback; we appreciate it very much.
Kind regards,
Mintos team
Mintos is a great opportunity to grow your capital.
I’ve been using Mintos for 5 years and find the platform easy to navigate with a wide range of investment options. The returns have generally been consistent, and I appreciate the transparency of the information provided. It’s a convenient way to diversify my portfolio.
14 August 2025
Reply from Mintos
Dear Maksym,
Thank you very much for your positive and detailed review.
We’re delighted to hear that you have been with Mintos for 5 years and that you find the platform easy to navigate, transparent, and offering a wide range of investment options. It’s also wonderful to know that you value the consistency of returns and the convenience of diversifying your portfolio with us.
We truly appreciate your trust and long-term commitment, and we wish you continued success and happy investing with Mintos!
Best regards,
Mintos Team
An easy to use platform with a…
An easy to use platform with a responsive and friendly customer service. Most of the loans are performing well, a small minority is in active recovery. Minutos is one of the best and most reliable platforms over roughly 15 that I have used over the years.
14 August 2025
Reply from Mintos
Dear Peter,
Thank you very much for your thoughtful review.
We’re pleased to hear that you find Mintos easy to use, with responsive and friendly customer service. It’s great to know that you recognize the strong performance of most loans and appreciate our efforts in managing recoveries.
We are especially proud to be considered one of the best and most reliable platforms among the many you have used over the years. Your trust means a lot to us, and we wish you continued success and happy investing with Mintos!
Best regards,
Mintos Team
Reply from Mintos
Hello Giovanni,
Thank you so much for your review. We’re really thrilled that you’ve had a good experience with us. if you need anything in the future, do not hesitate to contact us through our support channels.
Kind regards,
Mintos team
Reply from Mintos
Hello Aleksei,
Thank you for your kind words and for recommending us! We’re glad to hear you find our service reliable.
We truly appreciate your support and look forward to continuing to meet your expectations.
Kind regards,
Mintos team
Very good platform!
11 August 2025
Reply from Mintos
Hello Yavor,
Thank you so much for your kind words and for sharing your experience!
If you ever have any suggestions, questions, or ideas on how we can make your experience even better, our team is always here to listen.
Thanks again for choosing Mintos, and we look forward to continuing to support you on your investment journey!
Kind regards,
Mintos team
From Minefield to Solid Platform
I am a few years with Mintos already. Initially this was a minefield with plenty of loan originators (LO) defaulting in a short period. Including ones with good ratings. For the last 2~3 years things stabilized and I shift money back to Mintos. Very careful LO selection remains critical and therefore I almost exclusively do manual invests.
11 August 2025
Reply from Mintos
Hi Ben,
Thank you for sharing your experience. We’re glad to hear you’ve seen the platform stabilize over the past few years and appreciate your thoughtful approach to investing. Your trust means a lot to us!
Kind regards,
Mintos team
Easy to use, hassle free investments
Easy to use, clear instructions and explanations on how your money is used/invested. Just remember no investment is risk free and you should do your due diligence and not blindly trust online comments like this one. But try it for yourself with an amount you don't need and test it out (also checking if you can get your funds back)
9 August 2025
Reply from Mintos
Hello Evangelos,
Thank you for your thoughtful feedback!
We’re glad to hear you find Mintos easy to use and appreciate the clarity in our instructions and explanations. Transparency and simplicity are at the heart of what we do, and it’s great to know that comes across in your experience. We also value your reminder about responsible investing, understanding risks and doing due diligence is key to making confident financial decisions.
Thank you for choosing Mintos, and we look forward to supporting your investing journey!
Mintos Team
Their buyback mechanism means…
Their buyback mechanism means absolutely nothing. I have 500 euros stuck there for more than 3 years!!!
4 August 2025
Unprompted review
Reply from Mintos
Hello Breno,
We are sorry to hear about your experience. We understand that having overdue funds can be frustrating, nonetheless the overdue funds are not considered to be lost.
Please note that the overdue funds are not held by Mintos, they are held by the lending companies and it is our aim to recover the overdue funds as quickly as possible.
We strive to recover 100% of the overdue funds. We have managed to do so previously and we intend to continue in our efforts. However it's important to mention that the recovery process is a very complex one and can take up to several years depending on various factors.
Please remember that you can always check the status of your overdue funds directly in your Mintos account to have a detailed overview about our recovery efforts.
As for the buyback obligation, kindly note that it is an enhancement provided by the lending companies, not by Mintos. Needless to say that while it is an enhancement provided by the lending companies, it does not make the investments risk free.
If you have specific questions about your case, feel free to reach our support team so they can review and address any questions you might have.
Warm regards,
Mintos team.
Excellent ROI, simple user interface, reliable
I've been using the core loans product for a few months. It's easy, reliable, and offers a very good ROI. I've recently started making use of Mintos's corporate bonds offers. I haven't come across such good deals elsewhere.
7 August 2025
Reply from Mintos
Hello Michal,
Thanks for the wonderful review! We're thrilled to hear you're having such a positive experience with our platform.
It's great to know that you find our Core loan portfolio easy to use and that it's delivering excellent ROI for you. We're also glad you're finding great value in our bonds offer. Our goal is to provide a reliable and simple interface for all our investors, and your feedback lets us know we're on the right track.
We appreciate your trust and look forward to continuing to support your investment journey!
Kind regards,
Mintos team
interesting and innovative products and services
as a licenced investment company mintos offers very interesting products like smart cash and etf portfolios that feature low costs, are easy to understand and very userfriendly, the bond offers are interesting too
6 August 2025
Reply from Mintos
Hi Stefan,
Thank you for taking the time to share your feedback!
We’re delighted to hear that you find our products and services both interesting and innovative. Mintos is committed to making investing accessible and transparent, so it’s great to know that offerings like Smart Cash, our ETF portfolios, and bonds are resonating with you—especially in terms of low cost, simplicity, and user-friendliness.
Your trust and satisfaction motivate us to keep improving and expanding the range of investment opportunities we provide.
Thanks again for being part of your investment journey with us!
Best regards,
Mintos Team
Great platform if you have your risks mitigated
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 could be better or should be able to customize for user preferences.
Platform offers secondary market, so it is great if you want to sell your stuff earlier. Also the investment options are wide in Bonds and Loans (this two what i use currently), but due to this fact you also need to do proper risk mitigation. Some originators are ok, others not. So, do the filtering and homework before put any money on any bond or loan.
5 August 2025
Reply from Mintos
Hello Katalin,
Thank you for your thoughtful feedback and for highlighting both the strengths and areas for improvement on our platform.
We're glad to hear you're enjoying the wide range of investment options and the flexibility of the secondary market. You're absolutely right—doing proper risk assessment and filtering is essential, and we appreciate you sharing that insight with other investors.
As we are continuously working on improving the overall user experience, please contact our support team to give us more details regarding your suggestions about bond/portfolio analysis suited to one's preferences.
Thanks again for being part of Mintos!
Best regards,
The Mintos Team
Excellent platform to diversify portfolio and earn high returns
Excellent platform to diversify portfolio including loans, bonds, and real estate assets. I use it since 2020 and my annual return has been 10%.
3 August 2025
Reply from Mintos
Hi Alberto,
Thank you so much for your fantastic review!
We’re thrilled to hear that you’ve been with us since 2020 and that Mintos has helped you diversify your portfolio across loans, bonds, and real estate assets. Achieving a 10% annual return is a great result, and we’re proud to be part of your investment journey. Our goal is to offer a broad range of accessible investment opportunities, while helping our investors grow their wealth with confidence.
Thanks again for your trust and continued support!
Warm regards,
Mintos team
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