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
Created with AI, based on recent reviews
What people talk about most
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
Company replied
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
Company replied
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
Asks customers to review
This company invites their customers to review, whether positive or negative
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The best!
Easy and very transparent investment platform.
The best one I've used.
Keep up the good work! :)
11 March 2025
Reply from Mintos
Hi,
Thank you for your kind words! We're delighted to hear that you find Mintos easy to use and transparent. It means a lot to us that you consider it the best platform you've used. We’ll keep working hard to provide you with the best investment experience! 😊
If you ever have any feedback or questions, feel free to reach out. Happy investing!
Kind regards,
Mintos team
Good, but can be better
I wish to have stronger due diligence before uploading new LO or bonds.
Also I wish to have combined pie ( notes + bonds) of my entire portfolio.
4 March 2025
Reply from Mintos
Hello Stefanov,
Thank you for sharing your thoughts on due diligence and portfolio overview improvements! We truly appreciate your input as we strive to enhance the Mintos experience.
We continuously refine our processes to offer a strong selection of investment opportunities. While some level of risk is inherent in investing, we aim to minimize it by ensuring that only high-quality loans from vetted lending companies are available on our platform. Though due diligence can’t eliminate all risks, our focus remains on maintaining high standards for loan selection.
Regarding portfolio visualization, we understand how valuable a comprehensive view of your investments is. We’ve shared your feedback with our team as we work on improving the platform.
If you have any additional suggestions, we’d love to hear them! Your insights help us build a better investing experience.
Best regards,
Mintos team
Good platform
I have been investing on Mintos loans for 2,5 years now. My net annual return is over 10%. Never had any problems, very satisfied. Good app to keep track of my investments.
3 March 2025
Reply from Mintos
Dear Markus,
Thank you for being a valued investor on Mintos for the past 2.5 years! We’re thrilled to hear that you’re satisfied with your experience and achieving great returns. It’s also great to know that our app helps you keep track of your investments with ease.
If you ever have any questions or suggestions, feel free to reach out. Happy investing!
Kind regards,
Mintos team
Reply from Mintos
Dear Carina,
Thank you for your feedback.
We understand that profitability is a key concern when investing on Mintos. Kindly note that actual investment returns may vary due to market fluctuations, fees, and taxes. Factors such as reinvestment, inflation, and individual investment strategies also play a role in overall outcomes.
If you have any specific concerns or questions about your portfolio, our support team is happy to assist.
We appreciate your input and remain committed to providing a transparent and user-friendly investment experience.
Best regards,
Mintos
Reply from Mintos
Dear Modestas,
Thank you for your feedback! We're glad to hear that you find our platform easy to use and user-friendly. If you ever have any suggestions on how we can make your experience even better, feel free to share.
Kind regards,
Mintos team
Good and safe returns
Good and safe returns. Precise and very usable website and app. Highly recommended.
1 March 2025
Reply from Mintos
Dear Jaap,
Thank you for your great feedback and recommendation! We're delighted to hear that you find Mintos a reliable platform with a user-friendly website and app. If you ever have any suggestions or questions, feel free to reach out. Happy investing!
Kind regards,
Mintos team
Simple end user platform for investments in multiple asset classes
I appreciate the constant additions of new asset classes, making the platform more valuable. Risk awareness is important, and Mintos makes sure you understand it; however, promoting higher risk opportunities can expand your risk appetite if you're not careful. Performance overviews are abundant and useful, automatic annual tax documentation simplifies submitting it to local tax agency.
2 March 2025
Reply from Mintos
Hello!
Thank you for your thoughtful review! We're glad you appreciate the expanding asset classes and the tools we provide for risk awareness and performance tracking. Your feedback is valuable as we continue to enhance the platform for our investors. Feel free to contact our support team if you need anything!
😡 My tax declarations, my bank statements and how much I invest in other plattforms is none of mintos' business 😕
Seriously?
You blocked my account after I denied you GDPR-protected personal info, and expect me to rate you??
BTW, how much I invest in other plattforms is none of your business either.
You need to do better.
Mind your own business.
__
Addendum April 14th 2025:
I got the impression that the provided reply was generated by an LLM, chatGPT?, and wanted to let you know that similar is on its way....
__
Addendum April 23rd 2025:
Here is the verbatim request from mintos:
"The latest documents we require are still as follows:
1. Your most recent tax declarations (for the years 2022 and 2023).
2. A bank account statement demonstrating the receival of income (such as salary, dividends income, etc.), which is being transferred to your account No.**** and deposited to Mintos.
3. A bank account statement demonstrating the receival of income (such as salary, dividends income, etc.), which is being deposited into other investment platforms."
To the public reading this review: Does it look to you like they "collect the minimum amount of personal information necessary" when I've provided them with e.g. a payout confirmation from a long term deposit of a bank where the funds were deposited before ?
Would you give mintos a your bank account statement so that they can see which political organiszations you support, which stream plattform you see, what about if it's pornhub ;-) ?
2 March 2025
Reply from Mintos
Dear Investor,
We understand your concerns, and we sincerely apologize for any frustration this situation has caused.
As a regulated investment firm licensed by the Bank of Latvia, we are required to comply with both Anti-Money Laundering (AML) regulations and the General Data Protection Regulation (GDPR).
We want to assure you that Mintos treats personal data with the highest level of confidentiality and strictly follows the GDPR’s data minimization principle. This means we only request and collect the minimum amount of personal information necessary to meet our legal obligations and provide our services. Any data requested is essential for regulatory compliance and is handled securely, retained only for as long as required, and then safely deleted or anonymized.
Unfortunately, without the required documentation, we are unable to proceed with certain services, including deposits, and account limitations may apply.
If you would like further clarification, our support team is happy to assist you.
Best regards,
Mintos
Everything work good
2 March 2025
Reply from Mintos
Hello Goncalo,
Thank you for your taking the time to share your review. We are really glad to see that you are very happy with our products. If you need any help, feel free to contact us through our support channels.
Reply from Mintos
Hello!
Thank you for your review! We're glad to hear you're exploring ETF investments on our platform. We continuously work to enhance our offerings and ensure a secure environment for our investors. If you have any questions or suggestions, feel free to reach out.
Overall very good experience I hope…
Overall very good experience I hope that will stay like that in future.
27 February 2025
Unprompted review
Reply from Mintos
Hello Dusan,
Thank you for your positive feedback!
We're delighted to hear that you've had a very good experience with Mintos. Ensuring a smooth and reliable service is our top priority, and we truly appreciate your trust in us.
If there’s anything we can do to turn your experience into a 5-star one, feel free to share your thoughts—we’re always looking to improve!
Wishing you continued success in your investment journey.
Best regards,
Mintos
Great experience, high returns
Very easy to use and it proves every month how reliable the income can be with a diversified loans portfolio on autopilot.
20 February 2025
Reply from Mintos
Dear Alexandru,
Thank you for your fantastic review!
We’re delighted to hear that you’re having a great experience with Mintos.
It’s wonderful to know that the platform’s ease of use and the reliability of income through a diversified portfolio are working well for you. Diversification is key to a strong investment strategy, and we’re glad to be part of your financial journey.
If you ever have any questions or need assistance, we’re always here to help.
Best regards,
Mintos
Terrible experience
Terrible experience. The app falls all the time, I could not even complete the KYC.
There are bugs everywhere, I would NEVER put my monet there.
16 February 2025
Unprompted review
Reply from Mintos
Dear Diego,
We’re sorry to hear that you had a frustrating experience with our app. Ensuring a smooth and secure onboarding process is a top priority for us, and we regret that technical issues got in the way.
We’re continuously working to improve our platform, and your feedback is invaluable in helping us identify and fix any bugs. If you’re open to it, we’d love to assist you in completing your KYC and resolving any technical difficulties. Please reach out to our support team so we can help.
Thank you for sharing your experience—we appreciate the opportunity to improve.
Best regards,
Mintos
Poor customer service
Poor customer service. Poor ROI, unlike advertised...
They close accounts without a reason, even though KYC/AML etc. all cleared...
I also noticed there are paid blog ads that they make the writers post stating fake investment returns. Not nice...
13 February 2025
Unprompted review
Reply from Mintos
Dear Investor,
Thank you for your feedback.
First, we would like to address your feedback about investment returns.
Kindly note that actual returns may vary due to market fluctuations, fees, and taxes. Advertised returns are based on historical data and projections, which may not always reflect future performance. Factors such as reinvestment, inflation, and individual strategies also influence outcomes.
Next, we understand your concerns regarding account closures.
After a thorough review, we determined that your account does not meet our internal policies. While we cannot disclose specific details, please be assured that this decision was made carefully and in alignment with our compliance standards. We sincerely apologize for any inconvenience this may cause and appreciate your understanding. If you have any further questions, our team is here to assist you.
Finally, we'd like to clarify our approach to marketing activities.
We do have paid marketing activities running on blogs which are marked as such through our affiliate program. However, our partners are required to reference only the investment returns available on our public website or their own investment returns. If you have come across any content that seems misleading, we would appreciate it if you could share the blog’s URL with us. This will allow us to review the content and ensure it aligns with our guidelines. Transparency and accuracy are important to us, and we take these matters seriously.
In case of any further questions, please feel free to contact us.
Best regards,
Mintos
The withdrawal process is a nightmare
The withdrawal process is a nightmare. Although they offer several ways to increase profits, taking advantage of those profits is a very time-consuming process for 2025. Not recommended.
10 February 2025
Unprompted review
Reply from Mintos
Dear Diana,
Thank you for sharing your feedback.
We understand how important a smooth withdrawal experience is, and we regret that your experience did not meet expectations.
In the majority of cases, our investors have an IBAN, which allows for quick and seamless withdrawals. We continuously strive to ensure that funds reach our investors as fast as possible.
However, in cases where an IBAN is not available or additional verification is required, our Investor Support team is fully committed to finding a solution that works best for each client.
If you are still experiencing any difficulties with your withdrawal, please don’t hesitate to reach out to our support team. We’d be happy to assist you further and ensure a swift resolution.
Best regards,
Mintos
Reply from Mintos
Hello Kim,
Thank you very much for sharing your experience with us. If you ever need anything, feel free to contact our support team! Enjoy your investment journey with us.
4 years experience with Mintos
I am investing now for couple of years. Initially I was not so happy as there were in the beginning some issues with some of the loan originators and returns were behind expectations.
Regardless of that I stayed committed and overtime I realized that despite some setbacks in the 1st year, the overall returns are steady and my portfolio has grown significantly.
Also the products offered gives you a chance to diversify your portfolio.
All in all, a well deserved 5 stars .
5 February 2025
Reply from Mintos
Dear Eltjo,
Thank you for your fantastic review and for sharing your four-year journey with Mintos!
We truly appreciate your patience and commitment, even through the initial challenges. It’s great to hear that over time, you’ve experienced steady returns and significant portfolio growth. Diversification is key, and we’re glad that our range of products has helped you build a strong investment strategy. Your trust and support mean a lot to us, and we’re committed to continuously improving your experience.
If you ever have any questions or feedback, we’re always here to help.
Best regards,
Mintos
Great and fast client Service
3 February 2025
Reply from Mintos
Hello,
Thank you very much for your kind words. We strive for customer excellence and are really happy to hear your positive experience! Enjoy your investment journey with us.
Positive customer experience
Positive customer experience. Easy understandable application. Fast money deposit and withdraw from account.
3 February 2025
Reply from Mintos
Hello Dainis,
Thank you for your positive feedback! 😊 We strive for customer service excellence and are thrilled to hear that you had a great customer experience with us. If you ever need any assistance, feel free to reach out.
Reply from Mintos
Dear Valdis,
Thank you for your great review!
We’re thrilled to hear that you’ve been using Mintos for a couple of years and are happy with your experience. Your continued trust and support mean a lot to us.
If you ever have any questions or feedback, we’re always here to help.
Best regards,
Mintos
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