O maior marketplace europeu para investimento em originadores de empréstimos.
A Mintos é uma plataforma de investimento sediada na Letónia, regulada como Investment Brokerage Firm sob MiFID II. Agrega empréstimos ao consumo e a PME de dezenas de originadores selecionados na Europa e fora, permitindo aos investidores construir uma carteira diversificada com auto-invest desde 10 €.
Mintos is a consumer crowdlending platform based in Latvia, supervised by Bank of Latvia. Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
Loans on Mintos carry a group-level buyback, which steps in if the borrower stops paying. The strength of that protection depends on the financial health of the originator standing behind it — not the platform itself.
The platform advertises target gross yields in the 8–13% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Latvia macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the group-level buyback. In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Suited to investors looking for collateralised income with a 12–36 months horizon, comfortable with project delays, periodic write-downs and the limited liquidity typical of property deals. Minimum ticket from €50. Best used as a complement to a diversified fixed-income allocation, not as a substitute for it.
Capital at risk. Investments on Mintos are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@www.mintos.com — confirm on the platform’s contact page before sending sensitive information.Mintos operates under supervision of Bank of Latvia. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €50. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 11.7% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; a secondary market is available if you need to exit early.
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Mintos’s own balance sheet, as required by the rules of Bank of Latvia. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Einfache Bedienung. Stabile Erträge über Jahre. Gute Rückholungsquote nach COVID-Krise und Ukrainekrieg.
Rapidez en la gestión
Einfach investieren: von Immobilien über Obligationen zu ETF Portfolio. Günstig und transparent.
Eine super Platform um seinem Geld beim wachsen zuzusehen! Keine Bank gibt mehr Zinsen. Ich bin schon einige Jahre bei Mintos und noch nie Probleme gehabt
I’m investing in Mintos in both loans and a small portion in real estate, and I’ve been very satisfied so far. Keep it up! 🙂
Buena app la recomiendo
Estamos en periodo de declaracion del IRPF. Mintos ha cometido un error en mi certificado al efecto. En una de las tres partidas de intereses que contempla, una de ellas en lugar de retener el 5% me retienen el 25%. La atención la hacen mediante un chat-bot con el que es imposible entenderse. He intentado por todos los medios que lo rectifiquen, he enviado un archivo con la imagen que resalta el error y nada. La respuesta al correo enviado es lo que parece de otro chat que dice algo asi como: "Parece que tiene usted un problema con los impuestos....", me presenta el enlace al archivo en cuestion pero no hacen nada. La experiencia de atención al cliente es tan mala que en este momento aconsejaria a cualquier futuro inversor en la plataforma que se lo pensara dos veces, si no quiere tener problemas con Hacienda. Yo por mi parte me planteo abandonar la plataforma si no me lo resuelven ya.
Todo funciona muy bien, llevo desde 2020 invirtiendo y he sacado fondos de la plataforma varias veces sin problemas. Recomendable.
rentable e intuitiva. el servicio de atención es muy bueno
easy to understand, quick
was very satisfied till a couple of months ago, however the latest developments and the way how I am able to control my funds are getting limited making things worse and worse ... also the broadening of the portfolio isn't what I am looking for ... continu doing what brought you here which is the loans and focus on improving that ! if I need diversification, will seek that in other platforms and/or places
1 Star because 0 stars is not possible