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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Mintos Review
Mintos Review: A Realistic Look at P2P Lending
I've been with Mintos since 2018. After the initial excitement, I faced the reality of challenges like the COVID-19 pandemic and the war in Ukraine, which led to significant payment defaults. The ventures in Africa also weren't particularly profitable.
While each investor is responsible for selecting their own loans, I can only assess Mintos on its recovery efforts and its ratings for loans and loan originators. I must say that over the past year and a half, the recovery process has been running quite well, though you should expect it to take several years before your money is back to work. For the African defaults, I assume that a significant portion, maybe even the majority, won't be recovered.
This has been a learning process for me, and I've learned from my mistakes. We'll have to see if this holds up during the next crisis.
I would give Mintos a rating of 4.6 out of 5 stars, as every investor must be aware that P2P lending is a high-risk business.
3 August 2025
Reply from Mintos
Hello Andreas,
Thank you for your honest and thoughtful review, and for being with Mintos since 2018.
We appreciate your view of the P2P lending space and acknowledge the challenges brought by events like COVID-19 and the war in Ukraine. We’re glad you’ve seen meaningful progress in our recovery efforts over the past year and a half.
It’s true that P2P lending involves risk, and we value your recognition of the importance of investor responsibility. We remain committed to improving transparency, refining our risk models, and supporting investors through both stable and volatile periods.
Thank you for your trust and for this rating. We’ll continue working to earn even more of your confidence moving forward!
Kind regards,
Mintos Team
Too many documents
Deposit (larger sum) money to Mintos platform is very difficult. They are asking too many documents. I understand AML-regulations, but other platforms in EU has common sense on this matter.
31 July 2025
Unprompted review
Reply from Mintos
Hello Klaus,
Thank you for taking the time to share your feedback. We sincerely apologize for the inconvenience you experienced while attempting to deposit your funds.
As part of our obligation to comply with Anti-Money Laundering (AML) regulations and Know Your Customer (KYC) policies, we are required to verify the identity of all investors and the origin of their funds. We understand that this process may at times feel burdensome, and we are continually working to make it as seamless as possible without compromising regulatory compliance.
We truly value your patience and cooperation during this process and we hope your future experiences with us are more straightforward and positive.
Kind regards,
Mintos team
Nice way of earning passive income
I've been using Mintos since 2013 and am very happy with its historic performance.
1 August 2025
Reply from Mintos
Hello Mikk,
Thank you so much for your kind words and long-standing trust in Mintos!
We’re truly honored to have you with us since the early days — not quite 2013, but from 2014, which still makes you one of our earliest investors. Your continued support over the years has been invaluable. It means a great deal to us that you recognize the strength and consistency of our historical performance, despite the many challenges we’ve faced along the way.
We remain committed to building on this momentum and continually improving your investment experience on Mintos.
Thank you for being part of our journey.
Mintos Team
Mintos is easy to use
Mintos is easy to use, well designed investment platform.
31 July 2025
Unprompted review
Reply from Mintos
Dear Investor,
We're happy to hear that you find our investment platform easy to use and well-designed. Thank you for sharing your positive experience with us!
Kind regards,
Mintos team
Great investment platform
30 July 2025
Reply from Mintos
Dear Lotte,
Thank you so much for the fantastic 5-star review!
We’re truly happy to hear that you’re enjoying your experience on Mintos. Building a platform that’s both easy to use and designed to support your financial goals is what we strive for, and it’s incredibly rewarding to know it’s working well for you.
We’re always working to improve and bring more value to our investors—whether through new features, better insights, or stronger support. Your feedback motivates us to keep going.
If you ever have suggestions, questions, or just want to share your experience, we’d love to hear from you.
Best regards,
Mintos
Reply from Mintos
Hi Danijel,
Thanks for your feedback!
On Mintos, different asset classes like loans, bonds, and Smart Cash have different liquidity levels due to how the underlying assets work.
Smart Cash allows near-instant access to funds, so you can quickly reinvest.
Loans and bonds are longer-term investments. To move funds between these, you usually need to sell your current investment either via the Secondary Market, cash out option or when it matures.
This structure is standard across financial markets and helps align each product with its risk, return, and time horizon. For flexibility, we recommend checking if your investments are eligible for early exit options.
Kind regards,
Mintos team
Its the best investing P2P platform
28 July 2025
Reply from Mintos
Hi Jan!
We're happy to hear that you find our P2P platform to be the best for investing! Thank you for your positive feedback, it means a lot.
Best regards,
Mintos team
A smart platform to invest and compound
Well designed platform, easy to use and to start investing even with small amounts. Ideal if you like to accumulate and compound.
MINTOS offers a variety of different investments which you may wish to mix and further differentiate your portfolio.
I was just assigned to a new personal assistant (Ms. Evita) who´s super-professional and very dedicated. She loves her job.
1 July 2025
Reply from Mintos
Dear Chiara,
Thank you for your thoughtful and encouraging feedback!
We're delighted to hear that you're enjoying your experience with Mintos and find the platform intuitive and accessible, especially for building a diversified investment portfolio with the power of compounding. Making investing straightforward and rewarding for everyone is at the core of what we do.
We’re also happy to hear such kind words about our Client Relation Manager, Evita. We take great pride in the professionalism and dedication of our team, and your recognition of her efforts truly means a lot.
If there's ever anything more we can do to support your investment journey, please don’t hesitate to reach out.
Warm regards,
Mintos team
Legit platform
After losing money with 2 peer lending platforms, I found one that is legit. I was never let down by Mintos.
17 July 2025
Reply from Mintos
Hi Armand,
We appreciate you sharing your experience! We're happy to hear that you've found our platform reliable, especially after your challenges with other peer lending platforms. Thanks for your feedback.
Best regards,
Mintos team
Dangerously incompetent
Absolutely unacceptable. Mintos claims account verification takes around 5 business days — mine took 17 days with no response or updates whatsoever. I sent multiple emails, and they were completely ignored. If they’re this unresponsive during account creation, imagine what happens when actual money is involved. The fact that they don’t even read or reply to messages is extremely worrying. Steer clear.
Edit July 24 2025
They really don't like getting bad reviews and will invent reasons for you not to have an account, you know, just because. I dodged a bullet and they are safer, well regulated investments than what looks to be something run out of a shed in the baltics
9 July 2025
Unprompted review
Reply from Mintos
Dear Roger,
Thank you for your feedback. We sincerely apologize for the delay in processing your case and the lack of timely communication.
The extended response time was due to internal workflow changes that temporarily affected our processing timelines. Additionally, recent changes in country eligibility criteria added further complexity and unfortunately caused additional delays. We recognize that this should have been communicated much earlier, and we truly regret the inconvenience caused.
Please be assured that we’ve implemented corrective measures to avoid similar issues in the future. Your case has also been escalated to senior management to help improve our processes.
We understand how disappointing this experience must have been and hope it hasn’t entirely diminished your trust in us. Should you wish to discuss the matter further, our support team remains at your disposal.
Best regards,
Mintos
The client support is very quick and…
The client support is very quick and effective.
Plus, they had the courtesy of addressing me in my own language, which is a nice and very useful to some users.
The plattform works fine, plenty of info about the products and easy to navigate.
I'm new at this but after a week using it I am very positively impressed.
9 July 2025
Reply from Mintos
Dear Luis,
Thank you so much for your positive feedback and for taking the time to share your experience!
We're delighted to hear that our support team was quick and effective, and that communicating in your preferred language made a difference — we believe personalization plays a key role in providing a great user experience. It's also great to know that you found the platform informative, user-friendly, and easy to navigate.
As you're just starting your journey with Mintos, we're especially pleased that your first impression has been so positive. Should you have any questions or need guidance as you continue exploring, our team is here and happy to help.
Best regards,
Mintos
Stay Away from Mintos – Poor Returns, High Taxes, and No Liquidity
After more than 3 years of experience with various P2P platforms (which I won’t name to avoid promoting them), I can confidently say that Mintos is by far the worst-performing one.
Here are the major issues:
• Extremely low interest rates compared to other platforms.
• Unreasonably high withholding tax – in my country, the actual tax due is significantly lower than what Mintos withholds. This alone reduces your real returns dramatically. Right now, I’m getting about 5% annual return, which is unacceptable for this type of risk.
• Returns are only on paper – I’m unable to withdraw the profits because they are locked in defaulted loans. For example, a large part of my portfolio is stuck with Inclusion, a loan originator that Mintos says will take “up to 3 years” to recover (with only a 75% recovery chance).
• I also have around 100 loans that have been unsellable for over 3 months. The platform’s secondary market is practically frozen, meaning your money is trapped with no option to exit.
• The withdrawal process is slow and inefficient, and it often feels like they’re doing everything they can to delay access to your funds.
• Worst of all, Mintos keeps making money off our investments while passing all the risk onto us – the investors. Other platforms offer significantly better returns, more transparency, and faster, more reliable liquidity.
Mintos has shown no respect or responsibility toward its users. I absolutely do not recommend this platform. If you’re considering investing here – don’t. Save yourself the frustration and financial loss.
Follow-up to Mintos’ reply: When a lot of words say nothing.
Thank you, Mintos, for your very long and very polished response — the kind that looks like it came out of a GPT-powered corporate playbook titled “How to Apologize Without Doing Anything.”
Let me break it down for future investors reading this:
🔸 “Returns vary.”
Ah yes, the classic excuse. But when you advertise “average returns of 9-10%” and then your own automated system (which I used exclusively) leads to a realized return of about 5% — before taxes — that’s called misleading, not market variation. And by the way, after taxes, I’m probably making less than a savings account.
🔸 “You can reclaim the tax.”
Sure, if I feel like wrestling with tax authorities in two countries. Convenient that you keep the excess and I have to do the paperwork.
🔸 “Defaults happen.”
Right. But maybe don’t proudly promote your “Auto-Invest Diversified Strategy” and then conveniently forget to mention that it can scatter 30 EUR across 100+ tiny loans, many of which can’t even be sold on your “secondary market.” I have loans of €0.40 that no one wants. Shocked, I tell you.
🔸 “You can always use discounts to sell your loans.”
That’s like saying, “You can always sell your house for half the price if you’re in a hurry.” Brilliant.
🔸 “Withdrawals take 1–3 days (unless they don’t).”
Thanks for that insight. Very reassuring.
🔸 “Mintos doesn’t take on credit risk.”
Translation: We make money no matter what happens to you. Investors take the risk, Mintos takes the fee. I think I saw that model before — somewhere in the 2008 financial crisis?
And here’s the kicker:
While your money is stuck in loans that no one wants and that may or may not be recovered in 3 years, Mintos still gets paid.
Meanwhile, on other platforms — which I won’t name (because this isn’t a promo) — I’ve withdrawn thousands of euros within days. Same loan types, same risk class, but faster, more transparent, and with an actual respect for the investor.
⸻
✅ Bottom line: Mintos is a great platform — if you’re Mintos.
If you’re an investor? Not so much.
You might get returns. You might get your money. Or you might just get an email saying, “Thank you for your feedback.”
Invest accordingly.
30 June 2025
Unprompted review
Reply from Mintos
Dear Nikola,
Thank you for sharing your detailed feedback. We’re sorry to hear that your experience hasn’t met your expectations. Let us address your main concerns:
Returns on Mintos vary by loan originator, risk level, and market conditions. While the average net return over the years has been around 9–10%, portfolios heavily exposed to certain originators or lower-risk segments can see lower yields. We understand that 5% feels disappointing relative to the risk, but this reflects the evolving environment and your specific loan selections.
Withholding Tax
Mintos must apply withholding tax under Latvian law. In many cases, you can reclaim excess tax through your local tax authority or by submitting a tax residency certificate. We agree this process can be bureaucratic, and more details are in our Help Center.
Defaults & Recoveries
Unfortunately, defaults are part of investing in loans. Recoveries (like Inclusion) can take years due to legal processes, which is why funds appear “locked.” We share regular updates on Recovery Progress, though liquidity cannot be guaranteed until funds are recovered
Secondary Market
The secondary market depends on supply and demand between investors. When many are trying to sell, liquidity drops, and some overdue loans become unsellable. Discounts can help speed up sales, but exits are not always immediate.
Withdrawals
Withdrawals typically process within 1–3 business days, but can be delayed by compliance checks or banking schedules. If you’ve experienced longer waits, our Support Team can assist.
Risk & Transparency
Mintos earns fees for operating the platform but does not take on the credit risk of loans, which remains with investors. While this is not unique among marketplaces, we aim to be fully transparent about risks and performance rather than masking defaults.
We regret that your experience has been frustrating and appreciate your feedback. If you’d like assistance with recoveries, tax documentation, or your account details, please contact us.
Thank you again for taking the time to share your thoughts.
Kind regards,
Mintos team
I has some trouble with how long term…
I has some trouble with how long term investments were handled. Certain options couldn't be adjusted once active and I didn't find a way out. I reached out for help and while they mentioned updates, nothing changed on my end. It's a good reminder to fully understand the platform before you begin. It's only been a few months Novus Limes but the way things are moving, I know I made the right call.
27 June 2025
Unprompted review
Reply from Mintos
Hi David,
Thank you for sharing your feedback. We’re sorry to hear that your experience with adjusting long-term investments did not meet your expectations. We understand how important flexibility and timely updates are, and we appreciate you taking the time to let us know.
Please note that promoting or mentioning other companies in reviews is not permitted on this platform, so we’d kindly ask that any future comments focus solely on your experience with our services.
If you’d like further assistance or would like us to review your specific case in more detail, please feel free to reach out to our support team directly. We’re here to help.
Kind regards,
Mintos team
The withdrawal process is a complete…
The withdrawal process is a complete disaster. They might talk a lot about ways to grow your profits, but what’s the point if you can’t access them?
Getting your money out feels like an endless waiting game frustrating, slow, and filled with excuses. No matter how good the returns look on paper, it’s not worth the hassle. I wouldn’t recommend this to anyone.
Fortunately, I was introduced to the right people and was able to claim my lost after following the proper steps, which eventually led to legal action.
10 March 2025
Reply from Mintos
Dear investor,
Thank you for your feedback. We understand your concerns and would like to clarify that you can withdraw funds that are not invested at any time, provided your account is verified.
If your funds are currently invested, they’ll become available once the investments are fully repaid, or you can try to sell them on the Secondary Market. If you’re using Core Loans, a cash-out option may also be available.
Please keep in mind that investments are typically held until maturity, so some waiting time is part of the process.
If you have any questions, our Support team is happy to help.
Best regards,
Mintos
Great and fast communication in solving…
Great and fast communication in solving problem.
26 June 2025
Reply from Mintos
Hi Irena,
Thank you for your positive feedback.
We're happy to hear that we resolved your problem quickly and efficiently. We appreciate your sincere words!
Kind regards,
Mintos team
Too much regulations
Have been using the platform for 3 months until I deposited a bigger amount. I provided my bank statement with salary but unfortunately in my statement I had a big deposit via ATM with money I have been saving in cash for few years. I tried to prove this by giving statement with ATM withdrawals but no luck. I am not laundring money but it seems sometimes you can have a bad luck with circumstances. I do not blame mintos for this but it is sad how policies can prevent an ordinary user from making a deposit and use the platform.
19 June 2025
Unprompted review
Reply from Mintos
Hi Petar,
Thank you for taking the time to share your experience, and for doing so in such a considerate and understanding way, even in a difficult situation.
We fully recognize how frustrating it must have been to face limitations when trying to deposit funds you’ve carefully saved over the years. Unfortunately, as a regulated investment platform, we are required to follow strict anti-money laundering (AML) guidelines. These rules sometimes don’t leave room for flexibility, even when we believe a customer is acting in good faith, as we have no reason to doubt in your case.
That said, we’re genuinely sorry that the circumstances prevented you from continuing to invest with us. It’s never our intention to make our policies feel like barriers, especially not to honest investors like yourself. Your feedback is a valuable reminder of the real-life impact compliance processes can have, and it helps us as we strive to improve the balance between regulatory obligations and user experience.
If you have any further questions or if there's anything you'd like us to take another look at, please don’t hesitate to reach out. We'd be happy to assist.
Warm regards,
The Mintos Team
Reply from Mintos
Dear Lennart,
Thank you for your kind words and positive feedback.
We're glad to hear you're enjoying your experience with Mintos. Your support is truly appreciated, and we're committed to continuing to deliver a high-quality service.
If you ever have any questions, please don't hesitate to contact our support team directly — we’re always here to help.
Best regards,
Mintos
Lost 10K which was invested in "safe"…
Lost 10K which was invested in "safe" investments with buyback guarantee.
Now waiting already years for proper news or updated.
11 June 2025
Unprompted review
Reply from Mintos
Dear Marijn,
Thank you for sharing your experience with us. We want to address your concerns and provide some clarity on the situation.
Firstly, it's important to note that all investments come with inherent risks, and while we strive to mitigate these risks, we cannot fully eliminate them. The buyback obligation is indeed still in place and serves to protect your investment from the insolvency of the borrower. This obligation is a commitment from the lending companies to repurchase the investment in case of borrower's default, thus reducing your investment risk. However, the buyback obligation does not eliminate the possibility of overdue funds. In instances where the lending company itself faces issues, there is a risk that the company may not be able to execute the buyback obligation within the expected time frame. This is a challenging situation that we continuously work to resolve as quickly and efficiently as possible.
Regarding the updates on the recovery process, we provide information closely aligned with the progress of each case. If there hasn’t been new information since the last update, we wait until there is a significant development in the case which we then share. Rest assured, this does not mean that our recovery efforts have halted. Recovery processes can indeed be complex, involving negotiations and legal actions across different jurisdictions, which can prolong the recovery process as such. You can find detailed and historical information about our recovery efforts in your investor account at the overdue page.
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
Hi Lorenzo,
Thank you for your kind words! We're glad to hear that you found our support efficient and responsive. Providing fast and helpful assistance is a top priority for us, and your feedback encourages us to keep delivering the best possible service. If there's anything else we can help you with, don't hesitate to reach out.
Kind regards,
Mintos team
Reply from Mintos
Hello Jivko,
Thank you for your positive review!
We’re glad to hear that you see value in the investment opportunities on our platform and that you consider the risk level reasonable. If you ever have questions or feedback, we’re always here to help.
The Mintos Team
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