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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Reviews shaping this summary
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
Company replied
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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Scam
After a few years of "investing" with them, I realized it was a bad deal and started withdrawing my money - less than what I invested, of course.
I'm now getting a message saying that my account will be closed, no reason at all, and with no way of withdrawing the remaining ~750€.
Stay away from them!
1 June 2025
Unprompted review
Reply from Mintos
Dear Jorge,
At Mintos, we are committed to maintaining a secure and compliant platform. We understand that investment outcomes can vary, and while some investors see gains, others may experience losses—especially over longer periods. All investments carry a degree of risk, and we acknowledge that this may lead to dissatisfaction if the outcome does not meet expectations. That is why, prior to investing, we provide all relevant information, including risk disclosures, the Base Prospectus, and other key documentation, to help investors make informed decisions.
As part of our regulatory obligations, we regularly review all accounts in line with our internal policies and procedures. These measures are designed to ensure that all platform activities remain in line with legal and compliance standards.
Upon a thorough review of your account, it was determined that it did not comply with our internal policies. While we cannot disclose detailed information regarding these internal measures, please be assured that this decision was made following a careful and considered process.
Please note that a termination notice including all relevant information—such as future payouts, withdrawal options, and the status of your past investments—was sent to you on 7 May 2025.
Importantly, even in the case of account closure, Mintos does not retain your funds. Your funds remain available for withdrawal once your investments mature or repayments are received from the respective lending companies.
We understand the inconvenience this may cause and sincerely regret to inform you that we cannot reconsider our decision to close your Mintos account.
Best regards,
Mintos
14 000 € still held after 6 years
I started to invest in 2019 with mintos and I inserted around 60 K € during the following year before Covid started. After 6 years the company returned 45 K but it is still holding 14 000 € and this year has returned almost 0 € since January. The situation is really worrying now. Monthly updates are becoming useless as no improvement can been seen for the past 5 months. I received around 10 000 € in interests so far, so the balance is - 4000 € after 6 years of investments. Terrible deal.
31 May 2025
Unprompted review
Reply from Mintos
Dear Daniele,
thank you for sharing your insights with us.
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.
Please be aware that each overdue (in recovery) case is unique and specific and the development of the respective cases can differ greatly depending on the variables that come into the play. While in one case there can be constant improvement in other, the progress can take much longer. Nevertheless, we are committed to transparency and therefore you can learn about our recovery efforts within each month in the regular monthly updates.
In case of any questions or doubts, we encourage you to contact us directly and we would be happy to assist you.
Regards,
Mintos
Do NOT invest in this platform as they…
Do NOT invest in this platform as they will hold you tax liable in your home country until infinity due to short comings in their technical systems!
This is due to their auto-invest capabilities that invest in thing that yield over +72 months that you are not able to forgo. They don't provide an option to either sell all (even against a 100% discount) nor forgoing all investments.
They give empty promises of features being developed for this that will never deliver on, as I had very extensive contact with their support staff.
Don't fall into the trap as I did!
1 May 2025
Unprompted review
Reply from Mintos
Dear Sebastiaan,
Thank you for your feedback. We understand your concerns regarding long-term investments and tax liability.
At Mintos, our aim is to be fully transparent about the nature of p2p investments and the potential for varying repayment timelines, especially for longer-term loan parts. We also want to ensure all investors are aware of their individual tax obligations.
As with any income-generating activity, earnings on the Mintos platform are subject to taxation in your country of residence. This is a standard principle of personal finance and not specific to Mintos. To support our investors in this regard, we provide detailed tax reports designed to ease your reporting process. We always encourage our investors to consult with a qualified tax advisor to understand their specific obligations.
Regarding our auto-invest features and the ability to exit investments, we continuously work on improving liquidity options on the Secondary Market. While selling loan parts can depend on market demand, we are dedicated to providing a platform that offers flexibility while balancing the interests of both investors and loan originators.
We are constantly working on enhancing our platform and features, and we truly value investor feedback as it helps us identify areas for improvement. If you have specific suggestions or require further clarification on any aspect of your investments or tax documentation, please don't hesitate to reach out to our support team directly. We are here to assist you.
Best regards,
Mintos
TERRIBLE platform and TERRIBLE service.
TERRIBLE platform and TERRIBLE service.
I have used mintos for a few years on/off. ALWAYS issues with deposits and they ALWAYS wants proof here and there. Combine that with slow support, slow responses......
26 May 2025
Unprompted review
Reply from Mintos
Hello Matias,
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.
Regarding your concerns about the speed of our service: please note that investors are given five business days to provide the necessary documentation following our initial request, which in your case was made on May 23rd. Since then, we have remained in contact to assist you, although some of the replies we received were missing sufficient details for us to take actions. Despite this, our team responded to your inquiries within one business day—well ahead of our standard five-business-day response time. Once we received all the required and compliant documentation, we promptly approved your deposit.
We truly value your patience and cooperation during this process and we hope your future experiences with us are more straightforward and positive. If you have any further questions or need additional assistance, please don’t hesitate to reach out.
Kind regards,
Mintos team
Reply from Mintos
Dear Arpad,
Thank you for your great feedback and 5-star review!
We're glad to hear you’re enjoying the new opportunities we highlight. It’s great to know that this aspect of our platform stands out to you. We’ll keep working to bring even more valuable opportunities your way!
Best regards,
Mintos
Reply from Mintos
Dear Nikolay,
Thank you for your positive review!
We're happy to hear that you value the reliability of our platform and find the information provided satisfactory.
Your trust means a lot to us, and we’re always here if you need anything in the future.
Best regards,
Mintos
Bad experience
I put a small amount in back in 2022 just to test it out, and for a while, things were going well. I managed to get an average return of 8%, which seemed solid, but then a couple of lenders defaulted and all my profit was wiped out.
Apparently, the loans are “under recovery” and I might get something back by 2026, but honestly, it just doesn’t seem like a smart investment in the end.
I was chatting with a colleague who went through the same thing - after Covid, payments started defaulting and he lost all his profit as well. I wouldn’t recommend it!
22 May 2025
Unprompted review
Reply from Mintos
Dear Thiago,
thank you for sharing your insights with us.
We understand that having overdue funds can be frustrating. Please keep in mind that the overdue funds are not considered to be lost.
It is our aim to recover 100% of the overdue funds. We have managed to do so previously and we intend to continue in our recovery 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.
Regards,
Mintos
Clear communication and quick response
20 May 2025
Reply from Mintos
Dear Carlos,
Thank you so much for your 5-star review!
We're glad to hear you had a positive experience with our communication and response time. Your feedback motivates us to continue providing clear and timely support.
If you ever have any questions or need assistance in the future, we’re here to help!
Best regards,
Mintos
Scammers
Started "investing" with them in 2020, just before the covid thing gave them ex excuse to steal investors' money. They still owe me around 500 euros that they claim have been under "recovery"... for 4 years. These are scammers just like the most of p2p alleged investing companies. They state your money is protected by contractual guarantees but then they just disregard their so called "contracts". The legal loopholes and the intricacy of the investing schemes let them stay out of prison. If you want to throw away your money you're in the right place.
16 May 2025
Unprompted review
Reply from Mintos
Dear Andrew,
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.
While we understand your frustration, allow us to remind you that AS Mintos Marketplace is an investment firm licensed and supervised by Latvijas Banka, the central bank of Latvia.
Regards,
Mintos
Reply from Mintos
Dear investor,
Thank you for your review and for taking the time to share your experience!
We’re glad to have supported you, and we’re always here if you have suggestions on how we can make your experience even better.
Best regards,
Mintos
Genuinely engaged communication
My complex and specific issue was resolved, and I felt like I was communicating with a real person who was genuinely interested in the result.
25 April 2025
Reply from Mintos
Dear Investor,
Thank you for your thoughtful feedback and for the 5-star rating!
We're truly pleased to hear that your issue was resolved to your satisfaction and that you felt supported throughout the process. Delivering attentive and genuinely personal support is a priority for us, and it’s great to know it made a difference.
If there’s anything else we can assist you with in the future, don’t hesitate to reach out.
Best regards,
Mintos
Reply from Mintos
Hello Kartik,
Thank you so much for your kind words! We’re really glad to hear that you had a good experience with our customer support team.
If there’s anything else we can help with in the future, don’t hesitate to reach out!
Best regards,
Mintos team
I like the Mintos p2p platform.
18 April 2024
Reply from Mintos
Dear investor,
Thank you so much for your 5-star review!
We're thrilled to hear that you're enjoying Mintos. Your support means a lot to us, and we’re always working to provide an even better experience for our investors. If you ever have feedback or suggestions, we’d love to hear from you.
Happy investing!
Best regards,
Mintos
I need to receive a link to access my…
I need to receive a link to access my account and ypu don't reply to my query
10 April 2025
Reply from Mintos
Hello Carmen,
Thank you for your review. Kindly note that our support team has sent you two emails regarding your account issue and they are left without any answers.
Please review all inbox folders and reply to any of our emails wo we can help you further.
Kind regards,
Mintos team
Can't wait to have any relations with…
Can't wait to have any relations with these gentlemen (excuse me for calling you that, it's just that I don't know you very well) done and dusted once and for all.
12 April 2025
Unprompted review
Reply from Mintos
Dear Angel,
Thank you for your feedback.
We're sorry to hear that your experience with Mintos has left you feeling this way.
If there's any way we can assist in addressing your concerns, please feel free to contact our support team directly.
We’re here to assist and would appreciate the opportunity to improve your experience.
Kind regards,
Mintos
Scam
Scam, once you hit a certain level they just terminate your account
11 April 2025
Unprompted review
Reply from Mintos
Hello Josh,
Thank you for your review. At Mintos, we are committed to maintaining a secure and compliant platform. To uphold this commitment, we regularly review all accounts in line with our internal policies and procedures. These measures are designed to ensure that all platform activities meet regulatory requirements.
Upon a thorough review of your account, it was determined that it did not comply with our internal policies. While we cannot disclose detailed information regarding these internal measures, please be assured that this decision was made following a careful and considered process. We understand the inconvenience this may cause.
Thank you for your understanding,
Mintos team
Reply from Mintos
Hi Ciao,
Thank you for your feedback. Investing always involves some level of risk, and returns can vary depending on market conditions, investment choices, and strategy. We encourage a long-term perspective to better balance risk and potential profit.
If you have any questions or need further assistance, we are here to help! Feel free to reach out to our support team.
Kind regards,
Mintos team
Reply from Mintos
Dear Investor,
Thank you for your positive feedback and 5-star review.
We're pleased to hear that you value the efficiency and solution-oriented nature of our processes at Mintos. Providing a seamless and productive experience for our investors is a key priority for us, and it's rewarding to know this resonates with you.
Should you have any questions in the future, please don’t hesitate to reach out — we’re here to help.
Best regards,
Mintos
Incorrectly creditted fee was repaid.
19 March 2025
Reply from Mintos
Hi Josef,
Thank you for your positive review! We're glad to hear the issue with the incorrectly credited fee was resolved. If you ever have any questions or need further assistance, we're here to help. Happy investing!
Kind regards,
Mintos team
Mintos will help you become financially…
Mintos will help you become financially independent.
You will be a banker, but you have no banking experience. But with the help of Mintos you will choose the loans that suit you.
16 March 2025
Reply from Mintos
Dear Geo,
Thank you for your positive feedback! We’re happy to hear that Mintos is helping you take control of your financial independence. Our goal is to make investing accessible and transparent, so you can make informed decisions with confidence.
If you ever have any questions or need assistance, feel free to reach out. Happy investing!
Kind regards,
Mintos team
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