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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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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I am satisfied with the work the company has carried out so far. The results achieved reflect a solid effort focused on building trust, an invaluable asset for a company like Mintos. However, it shoul... See more
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The interface is good. They are a trusted platform/company. I've had good experience with them and exposure to different investment in multiple country's. I do believe they wore better with past with... See more
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Company details
Written by the company
Mintos is a European multi-asset investment platform that enables individuals to build long-term wealth. By bringing together a unique combination of assets, including loans, bonds, real estate, ETFs, crypto ETPs, and Smart Cash, Mintos offers investors a comprehensive, all-in-one solution to diversify their portfolios. Established in 2015, Mintos manages more than €800 million in assets and is trusted by over 700,000 registered users across Europe. The company is licensed as an investment firm under MiFID II and employs more than 180 people across its offices in Riga and Berlin. Through transparent, low fees and accessible investment opportunities, Mintos supports people in achieving their financial goals, while shaping the future of investing in Europe. For more information, visit www.mintos.com.
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
3.7
Average
5K reviews
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The best card I ever had
The best card I ever had. It is very user freindly, and extremly fast udateret after I made a purchase.
September 5, 2026
Mintos is a great company
Mintos is a great company. I like all the services I use from them: loans, bonds, and ETFs. It takes a minute—or maybe even less—to transfer money from Mintos to my account. The low fees were the deciding factor for me personally. I recommend it to anyone interested in investing.
September 1, 2026
Unprompted review
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Mintos asks illegal info or blocks your funds and account
Mintos is offering a great scale of products that are relatively safe.
At the other hand, they ask you for a lot of personal information, like full bank statement from over many months of all your transactions. If you do not provide this, as they wish, they block your funds and account by goodwill. The worst part is when they claim it to be regulations they have to follow, without any choice. As per regulations, you can easiliy find out what kind of lists you need to fill in and what info you need to provide. This surely does not include insight on all your daily transactions to be sent to a random worker and the whole company. Please also ready in their rules, what they can do with your info and how long they can keep on to it. Realize, that data is gold....Also compare to platfroms, regulated or non regulated like, Iuvo, Peerberry, InRento, Nectaro..... and realise, what they ask is illegal.
August 16, 2026
Unprompted review
Reply from Mintos
Dear Bjorn,
Thank you for sharing your feedback and for outlining your concerns in such detail. We understand that requests for personal and financial documentation can feel intrusive, and we want to address this directly.
As a regulated financial institution, Mintos is required to carry out Anti-Money Laundering (AML) and Know Your Customer (KYC) reviews to comply with our legal and regulatory obligations. These reviews are risk-based, meaning the type and scope of documentation requested can vary depending on individual circumstances, transaction patterns, or other risk indicators. While we're not able to disclose the specific internal criteria used to determine what is requested in any given case, we can assure you that these reviews are applied consistently and in line with regulatory requirements, not based on individual discretion or arbitrary judgment.
We fully recognize that sharing documents such as bank statements requires trust, and we don't take that lightly. Any personal information provided to us is processed in full accordance with the General Data Protection Regulation (GDPR) and applicable data protection laws. We collect only what is necessary to fulfil our legal and regulatory obligations, store it securely using appropriate technical and organizational safeguards, and limit access strictly to authorized personnel. Your data is never used for unrelated purposes such as marketing, nor shared with unauthorized third parties.
We understand that different platforms may take different approaches to compliance, often depending on their license, regulatory jurisdiction, and risk profile. We can only speak to our own obligations as a regulated entity and our commitment to meeting them responsibly while safeguarding investor data.
If you have specific concerns about your account or the information requested, we'd encourage you to reach out to our support team directly so we can look into your case and provide any clarification we're able to offer.
Kind regards,
Mintos Team
Reply from Mintos
Hi Shivdas,
Thank you for taking the time to share your feedback! It's great to hear that your experience with us has been a positive one.
If there's ever anything we can help with, please don't hesitate to reach out.
Kind regards,
Mintos Team
THEY KEEP CHANGING EMAIL PROVIDERS AND…
THEY KEEP CHANGING EMAIL PROVIDERS AND SENDING ME SPAM EMAILS FOR 4 YEARS NOW
THEY REFUSE TO UNSUBSCRIBE ME
August 5, 2026
Unprompted review
Reply from Mintos
Hi,
Thank you for sharing your feedback, and sorry to hear you've had this experience. We looked into your account and wanted to let you know you're currently opted out of our marketing emails, so we'd love to understand more about what you're seeing on your end. We've sent you an email to follow up directly and would really appreciate the chance to sort this out with you.
Kind regards,
Mintos team
Money trap
Money trap, plenty of delays, no payouts. Their risk management is poor and misleading.
August 1, 2026
Unprompted review
Reply from Mintos
Hi Nikolaus,
Thank you for your feedback. We're sorry to hear about your experience and understand the frustration that delays can cause.
We'd like to clarify that our platform provides investors with the information, tools, and disclosures needed to evaluate opportunities — investment decisions and the associated risk are based on each investor's own due diligence and risk appetite, which is standard practice in the industry. That said, we're always working to make our risk information and communication as clear and accessible as possible, and we welcome feedback on where that could improve.
Regarding the payout delays, we'd like to look into your specific situation. Please contact our support team so we can investigate and follow up with you directly.
We appreciate you bringing this to our attention.
Kind regards,
Mintos team
Mintos does not respect their buyback guarantees on loans
Mintos also offer some loans with a buyback guarantee. I invested 500 euros in a loan of 22 days in KZT in January 2026 to test the Mintos platform. At expiry date, no money is paid. Despite a loan with a buyback guaranty of 60 days is still not paid back in March 2026; in March, their customer service answered me that I still can resell this loan on the secondary market at a discount (and loose all interests at 22% generated); in April, we received some information the loan is being collected; in May, we received notice that the repayment system is not working due to some upgrades; in June, we received notice that some Mintos Finance division had financial problem; we are at the end of July and still no money or buyback done !!!
July 23, 2026
Unprompted review
Reply from Mintos
Hi,
Thank you for the detailed timeline. This doesn't sound like the outcome you should be seeing with a buyback obligation.
Buyback obligations are fulfilled by the lending company itself, not by Mintos directly. They're designed to protect investors if a borrower defaults, but they don't eliminate risk entirely — if a lending company faces financial or liquidity difficulties, it can delay its ability to meet that obligation, and the case can move into a longer recovery process.
We'd like to understand exactly what's happened in your case. Please reach out to support team. We'll look into the specifics and follow up directly.
Kind regards,
Mintos team
Total opacity of the 60 millions of…
Total opacity of the 60 millions of Nera Capital loans frozen since March 2026 (10% of the 600 millions of loans offered on Mintos!)
March 20, 2026
Unprompted review
Reply from Mintos
Hi,
Thank you for sharing your concerns.
We'd like to clarify: payments paused because the UK law firms behind these loans suspended repayments during an ongoing SRA solvency review, and the underlying claims are taking longer to resolve than expected. Regular updates are posted on your investor account.
Restructuring discussions with the relevant parties are ongoing. We can't share terms or a timeline until an agreement is finalized.
One positive development: a UK court has ruled to allow similar consumer claims to be processed together rather than individually — a helpful shift in the legal process behind these claims, though it doesn't change payment timing.
We'll keep posting updates as soon as there is new information to share.
Kind regards,
Mintos Team
Opacity, poor risk criteria, and years of inaction on defaulting loans
Every investment carries risk — I understand that and accept it fully. What I don't accept is a platform that combines poor due diligence with years of opacity and inaction when things go wrong.
The rating problem: Mintos awarded top A++ ratings to loan providers from high-risk markets (Ukraine, Russia, Turkey, among others) and included them in so-called "Conservative" portfolios. When Wowwo (Turkey) collapsed and the Russian invasion of Ukraine took down providers like Kviku, investors in "conservative" strategies suffered significant losses. Other platforms I use applied far more rigorous and accurate risk criteria to the same providers and markets.
The real problem: how Mintos handles defaults. Years have passed and the lack of transparency, meaningful communication, and tangible progress is striking. Other platforms operating in similar situations have reached agreements — imperfect but real — that returned at least partial value to investors. Mintos has demonstrated neither the capability nor the willingness to do the same.
To date I have lost +€15,000. Not because markets moved against me — because a platform I trusted to apply serious criteria didn't, and then failed to act professionally when the consequences arrived.
There are serious, transparent alternatives out there. IBKR, Peerberry, and others. If you value your capital and expect basic accountability from a platform, look elsewhere.
July 15, 2026
Unprompted review
Reply from Mintos
Dear Ignacio,
Thank you for taking the time to share your feedback. We're sorry to hear that your experience with Mintos has not met your expectations.
We understand how frustrating it is when recovery processes take significantly longer than anticipated. Recovering funds from defaulted lending companies can be a complex process, often involving negotiations, legal proceedings, and enforcement actions across multiple jurisdictions. As a result, these processes may take considerable time. However, please be assured that we continue to pursue all feasible avenues to maximize recoveries for investors.
Transparency is fundamental to us at Mintos. We provide regular updates on recovery cases in investors' Mintos accounts, including the actions taken, the current status of each case, and any new developments as they become available. Our goal is to keep investors informed throughout the recovery process.
We appreciate your feedback and understand your disappointment. Please know that we remain committed to acting in the best interests of our investors and pursuing recoveries wherever possible.
Kind regards,
Mintos
I really enjoyed using Mintos before…
I really enjoyed using Mintos before covid when it was focusing on p2p investing. Recently I do not understand why I should be using Mintos over other more mature platforms offering ETFs and other. Anyways, I like it for healthy returns.
July 13, 2026
Unprompted review
Reply from Mintos
Hello Juan,
Thank you for your review and for being with Mintos over the years. We're glad to hear you've enjoyed using the platform and have been satisfied with the returns on your investments.
Since our early days as a P2P investing platform, we've expanded our offering to provide investors with access to multiple asset classes. Our goal is to make it easier for investors to build and manage a diversified portfolio within a single platform.
We appreciate your feedback and are always working to improve the investor experience. Thank you for being part of the Mintos community!
Kind regards,
Mintos
Reply from Mintos
Dear Sorin,
Thank you for your 5-star review!
We're delighted to hear that you find Mintos a great platform for organizing your investments. It's wonderful to know that the platform is helping you manage your portfolio effectively.
Thank you for choosing Mintos, and we wish you continued success with your investments!
Kind regards,
Mintos
Was solid for some time — then 15 weeks of zero payment with no real answers
I've invested in Nera Capital Notes through Mintos for a while, and honestly it was one of the better-rated products on the platform — steady payments, good track record, no complaints. That's part of why the last few months have been so jarring.
Zero payments since March 26, 2026, interest or principal. Mintos confirms over €61M is affected across investors, the biggest default in the platform's history — and admits it can't independently verify the SRA review it blames this on, since that's all coming from the law firms themselves.
The restructuring deal has been "final stage" since mid-June and still isn't signed. Nobody's buying these notes on the secondary market even at 30% off.
Not saying it's fraud — just that something this well-regarded going this quiet, this fast, is worth knowing before you invest.
Will update if the situation changes.
July 6, 2026
Unprompted review
Reply from Mintos
Hi Rob,
Thank you for laying out your experience so clearly. We understand how difficult an extended period without payment is, particularly on a product that had been performing steadily.
The delay reflects two connected factors: an industry-wide SRA solvency review affecting the UK law firms funded through the Nera Notes, which led those firms to pause payments at the end of March, and a broader lengthening of the underlying case-resolution timeline.
On restructuring: discussions with the parties involved are ongoing, and we're not yet able to disclose specific terms. We'll share details once the relevant documentation is finalized.
There has been one positive development worth flagging: a UK court recently ruled on a procedural matter allowing large groups of similar consumer claims to proceed together through a streamlined process, rather than each requiring separate proceedings. This should help reduce complexity and support the more efficient progress of claims of this type. You can read Nera Capital's full statement on the ruling here: https://neracapital.com/press-release/angel-v-black-horse-a-landmark-step-forward-for-collective-consumer-redress/.
The responsibility to provide clear, timely information sits with us. We continue to post updates in the community when there is something material to report - and will do so until this is resolved. Thank you again for taking the time to share your feedback.
Kind regards,
Mintos team
Better that keeping your money in the banks.
The interface is good. They are a trusted platform/company. I've had good experience with them and exposure to different investment in multiple country's. I do believe they wore better with past with there approach - but i am still investing even in the new setup. It's for sure better that keeping your money in bank.
June 3, 2026
Reply from Mintos
Dear Remus,
Thank you for your positive review and for sharing your experience with Mintos.
We're glad to hear that you appreciate our platform, the user experience, and the access to a variety of investment opportunities. We also appreciate your continued trust and that you continue investing with us.
Your feedback is valuable to us, and we appreciate you taking the time to share your perspective. Should you have any questions, please feel free to contact our support team, and we’ll be happy to assist you.
Best regards,
Mintos
im trapped in this broken ui at 4;12am…
im trapped in this broken ui at 4;12am trying to pull out my money that theyve held hostage for months now. the loading wheel just spins infinitely and customer chat gave me error code 992 before ghosting my ticket. if i integrated #GCASC0# architecture for real time asset settlement i wouldnt be dealing with predatory. frontends and hidden friction layers. instead im stuck clicking an unresponsive cashout link while their system systematically drains my balance through unlisted maintenance fees.
June 17, 2026
Unprompted review
Reply from Mintos
Dear Rodrigo,
Thank you for sharing your feedback. We’re sorry to hear about the difficulties you experienced with the platform.
We would like to look into this further and assist you with your concerns. Please contact our support team directly and provide any relevant details, so we can investigate the issue and help resolve it.
Thank you for bringing this to our attention.
Best regards,
Mintos
Mintos is a good platform to have…
Mintos is a good platform to have access to multiple investments products, like loans, bonds, ETF, real estate, money market and crypto. The platform started its business with loans which is an investment class difficult to find with traditional banks. However, the companies offering loans have often various problems, which in turns significantly reduces the Net Annual Return.
July 1, 2026
Reply from Mintos
Dear Vittorio,
Thank you for your thoughtful review and for sharing your experience with Mintos.
We're pleased to hear that you value the wide range of investment opportunities available on our platform. We also appreciate you taking the time to share your perspective, as feedback like yours helps us continue improving the experience we provide to our investors.
Should you have any questions, please feel free to contact our support team, and we’ll be happy to assist you.
Best regards,
Mintos
TERRIBLE EXPERIENCE
I am using the Core Loan service, and from day one, I noticed that payment delays from some lending companies kept increasing. For this reason, I decided to pause my investment, sell my assets on the secondary market, and withdraw the funds to my bank account.It was then that I discovered that notes with payment delays cannot be sold. Fortunately, I realized this early on because, as I mentioned, defaults kept growing. Had I waited a few more weeks, all my money would have been trapped in an investment where repayment is uncertain, if not non-existent.As a result, I started investigating what was happening and concluded that Mintos' risk ratings are heavily inflated. What the platform rates as an 8 is, in reality, a barely passing 5. Furthermore, when a rating drops below 5, they take the liberty of labeling it as "N/A" (Not Available), as rating an entity below that score would generate bad publicity and is not in their interest.After two months of investing an initial capital of €1,550, I am currently in the process of recovering most of my money (the part that is not in default). However, to achieve this, I had to sell my notes on the secondary market with an average discount of 3%. If I add to this the funds trapped in delays that I cannot sell (around €45), the math breaks down as follows:Initial investment: €1,550 which, with a 9.8% interest rate, grew to €1,568 (after two months and deducting capital gains taxes).Locked capital: €45 trapped in delayed notes. This left an available balance for sale of €1,523.Sale outcome: After applying discounts to liquidate the assets quickly, the actual amount reaching my bank account is €1,475.In the best-case scenario, if I am lucky enough to recover the locked €45, the total will amount to €1,522. This means my time on the platform will have cost me a loss of €30 in the best-case scenario and €75 in the worst, which equals a negative return of -2% and -5% respectively.No one can guarantee that if I had left the money there for years, I would have recovered the entire investment along with interest. However, seeing that defaults kept rising and that, specifically, one of the entities has not paid investors since 2023, I highly doubt that payment will ever materialize.The lost opportunity cost has been massive. Therefore, I join the complaints of many other users who report the same issue and advise staying away from Mintos. They are an entity that advertises high-risk products by masking them under a rating system that does not reflect reality at all, acting in a misleading way toward their clients. Legally, they stick to the fine print, but unfortunately, this structure is so well-polished that it causes losses even for people with financial knowledge.
June 30, 2026
Unprompted review
Reply from Mintos
Dear Francisco,
We're sorry to hear about your dissatisfaction.
Transparency is fundamental to us at Mintos, and we strive to ensure our investors have access to clear information about their investments and our recovery efforts. If a lending company experiences difficulties, detailed and historical information about the recovery process is available in your Mintos account. This includes the actions we've taken, the current status of each case, and our communications with the lending company, allowing you to track the progress of recovery efforts.
Recovery processes can be complex, often involving negotiations and legal actions across different jurisdictions, which may extend the time required to recover funds. However, please be assured that we take every feasible step to maximize recoveries for investors whenever possible.
We appreciate your feedback, as well as your patience and understanding.
Kind regards,
Mintos
Too many problems with loan providers
Too many problems with loan providers.
My answer to reply from Mintos:
I want my money to grow and not to depreciate.
If I lose my money I go somewhere else.
If I can't trust a company, you lose. Simple.
June 30, 2026
Reply from Mintos
Dear investor,
Thank you for sharing your feedback.
We're sorry to hear you've had a frustrating experience. We'd like to better understand the issues you've encountered and see how we can help. Please reach out to our Support team directly with more details so we can look into your concerns.
Best regards,
Mintos
Reply from Mintos
Dear Investor,
Thank you for your fantastic 5-star review and for being with Mintos for so many years!
We're delighted to hear that you've had a positive experience with our platform and that you enjoy using it. Your long-term trust and support mean a great deal to us, and we're committed to continuing to improve the platform and provide you with a great investing experience.
Thank you for being part of the Mintos community!
Best regards,
Mintos
Good oportunities
Simple site, with great oportunitues and with constant devolopment. Every now and then I see new things.
It has good diversity of products to invest in.
June 26, 2026
Reply from Mintos
Dear Valter,
Thank you for your wonderful 5-star review! We're delighted to hear that you appreciate the simplicity of our platform, the variety of investment opportunities, and our continuous improvements.
We're committed to expanding and enhancing our products and features to provide our investors with the best possible experience.
Thank you for being part of the Mintos community!
Best regards,
Mintos
Easy and consistent return despite…
Easy and consistent return despite seeing other markets declining!
Easy and descriptive app that allows you to find the info you need / looking for.
June 15, 2026
Reply from Mintos
Dear Casper,
Thank you for your 5-star review! We're delighted to hear that you find the Mintos app easy to use and that the information you need is clear and easy to find.
We truly appreciate your positive feedback and your trust in Mintos. We'll continue working to make the platform even better and provide a smooth investing experience.
If you ever have any questions or suggestions, please don't hesitate to reach out to our support team.
Best regards,
Mintos Team
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