Mintos

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.

Legit platform

After losing money with 2 peer lending platforms, I found one that is legit. I was never let down by Mintos.

Verkauf von Krediten funktioniert nicht

Ich kann auf Mintos seit mehreres Wochen keine Kredite und Immobilien Anteile auf dem Zweitmarkt verkaufen, da der dafür benötigte Warenkorb nicht angezeigt ist. Habe dabei alle Browser durchprobiert, mobil (IOS) und am Desktop (Windows). Der Support ist (trotz diverser screenshots und Videos) fachlich leider überhaupt nicht hilfreich in der Angelegenheit. Ich werde die Mittel jetzt bei Mintos nach und nach abfließen lassen. Das Problem ist für mich im P2P Bereich ein absolutes "Nogo", da ich im Notfall keine Liquidität generieren kann, obwohl dies auf der Plattform versprochen wird. Zwei Sterne gibt es, da die Auswahl der Investitionsmöglichkeiten bei Mintos sehr umfangreicht ist.

Mintos ya no es lo que era

Mintos lleva muchos años en el mercado del crowdlending en general, como líder indiscutible. Quizas por eso, están dejando de lado sus buenas inversiones y su "antiguo" buen soporte, ya que actualmente, es de pena. el 18 de junio finalizó un bono garantizado que tenia con ellos, de 6 meses, hasta los 10 días posteriores no pude recuperar mi dinero, y a dia de hoy, casi un mes despues, no he cobrado los intereses. Los de soporte, me dijeron que tardaba 2-3 días, pero no casi un mes, y no dan ninguna respuesta mas,.... No voy a hacer publicidad de otras empresas, pero tengo otras plataformas que estan funcionando como un reloj en los pagos y en el soporte tecnico tambien. AMIGOS, YO IRÍA SALIENDOME DE ESTA PLATAFORMA, ME SUENA A QUE SE VA A IR A PIQUE

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.

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

CUMPLE LO PROMETIDO.

CUMPLE CON LO PROMETIDO, UNA PENA QUE MUCHOS PRESTAMOS SE QUEDEN PARALIZADO POR EL TEMA RECOBRO ETC. ES BUENA PLATAFORMA.

Anfangs skeptisch aber positiv überrascht.

Ich bin seit Ende 2024 investiert und bin durch diverse Vergleiche und Videoreviews auf Mintos gestoßen. Das Thema P2P fand ich aufgrund der Renditen sehr interessant, war aber am Anfang doch sehr skeptisch was das angeht. Die Anmeldung selbst war relativ unkompliziert und leicht zu bedienen. Insgesamt bin ich mittlerweile 5 Stellig investiert und spare mtl. per Dauerauftrag, das funktioniert super. Geldeingänge, Mitteilungen und Zinszahlungen (täglich, wöchentlich und monatlich) werden per Push benachrichtigung (wenn gewünscht) in der App angezeigt. Das find ich super. Bislang hatte ich keine Probleme gehabt. Auch der Steuerreport (auf Englisch) war nach einigen Recherchen leicht in der Steuererklärung einzutragen. Das die App weiterentwickelt wird finde ich auch gut. Natürlich darf man nie vergessen das kein investment zu 100% sicher ist und wer sich mit P2P beschäftigt merkt auch, dass am anderen Ende jemand steht der sich das Geld leiht, dass hier Ausfälle erfolgen (können) ist aber normal. Das aber bei jeden rückständgen Betrag nachzulesen ist, wie weit eine Rückabwicklung ist, macht es auch transparenter. Bislang bin ich rundum zufrieden mit der Thematik und der Plattform.

Súper la asistencia 👍🏻

Súper la asistencia 👍🏻

Primo Prelevamento

Il rendimento di Mintos attorno al 10%, molto bene. Ho avuto bisogno di prelevare urgentemente: mercoledì sera ho messo in vendita dei prestiti, giovedì sono stati venduti e questa mattina venerdì ho trasferito l'importo in Italia e ASSURDO......... dopo 2 ore precise li avevo già sul mio conto, è incredibile nessuna banca al mondo riesce a trasferire a questa velocità! Voto 10+

Why do I need to set up the whole login process from scratch every month?

Ottima piattaforma per P2P lending

Ottima piattaforma per P2P lending, molti originator e paesi su cui investire

Super eerste maand met de Notes.

Een p2p platform vertouw ik niet zo snel, maar er zijn er een paar waar ik wel een flink bedrag op heb staan inmiddels. Mintos is er een van. De reden is: -Het gemak en snelheid van geld storten en opnemen. Vaak binnen enkele minuten. - De regulatie, vergunningen en beleggerscompensatie van €20.000 voor de p2p notes bij bijvoorbeeld fraude. - Het duidelijk overzicht van de meer dan 20 landen en kredietverstrekkers waarin je hoeveel belegd is. - Het bruto en nettorendement van meer dan 10 jaar. -.Een goed backup plan om verder te werken mocht Rusland binnenvallen. - Keuze om ETFs samen te stellen. Duurt wel een paar dagen voor het belegd is, maar fijn dat je ook obligaties kan toevoegen. - 2 procent rente bij geldmarktfonds gebruik ik niet omdat het belastingtechnisch niet zo voordelig is. -Binnen enkele uren uitleg gehad via mail toen een betaling niet leek aan te komen. Tot nu toe, na ruim een maand, worden de achterstallige betalingen steeds keuring weggewerkt maar realiseer je dat er eens een kredietverstrekker kan omkiepen en je netto redement van c.a 13 naar b.v. 5 of zelfs een rampjaar zoals 2022 negatief kan worden. Maar niet zo slecht als de aandelen toen. .

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.

Mal atencion al cliente .

Estoy esperando quando se temina mi verificacion mas que diez dis . no tienen ningun telefono para contactar . Y cuando responden por correo , dos veses escriben lo mismo sin solucionar problema de verificacion . En otro sitio lo he usado una web cam par identificarse y ya esta . A lo mejor voy a cerrar cuenta ,en Mintos

Mala interfaz, mejorable todo. Además la app te lleva al navegador, un absurdo todo.

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.

Great and fast communication in solving…

Great and fast communication in solving problem.

Starszy inwestor

Na mintos inwestuję od........ 2017 roku. Tak dobrze czytacie - dokładnie 8 lat na czas pisania tej recenzji. Firma świetna i w ciągu tych wszystkich lat regularnie generowała i generuje miesięczny dochód. Wszystko pasywnie a odkąd są automatyczne strategie coraz lepiej. Przez te wszystkie lata z perspektywy 2017 firma dokonała wręcz kolosalnego rozwoju naprzód. To, że zdarzają się przypadki kiedy są problemy z firmami w przypadku takich wydarzeń jak pandemia czy wojna ukrainy z Rosją to normalne bo takich wydarzeń niestety nie da się przewidzieć nigdy... Ale mimo to, firma robi wszystko, aby sobie z tym poradzić i to, że istnieje tyle lat i poradziła sobie podczas tych kryzysów świadczy tylko na plus. Inwestuję i będę inwestował. Mintos to doskonała dywersyfikacja w moim portfolio inwestycyjnym i stanowi jakieś 20-25% jego całej części więc dość sporo, ale dobrze się z tym czuję. Dodam jeszcze, że oprócz pożyczek zakupiłem również udziały samej firmy Mintos właśnie dlatego, że tak długo jest na rynku generując konkretny zwrot z inwestycji i miesięczny stały cash flow. Pozdrawiam oby tak dalej!

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.

40K in recovery for 5 years now. A disgrace. Stay away!

Funciona muy bien

Funciona muy bien , mejor plataforma crowlending que he probado

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.

Just awesome

Just awesome

Llevo tiempo invirtiendo en mintos

Llevo tiempo invirtiendo en mintos, prestamos bonos y etf's y el único problema que tuve ha sido cuando inició la guerra ucrania-rusia por las sanciones de hay todo bien le doy un 9/10 lo. Que si me gustaría que se pueda elegir en qué países inviertes ya que última mente hay mucha tención en el mundo

Atención rápida

Atención rápida

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.

Great support

Great support, efficiency and speed in answering questions.

El servicio de atención al cliente es…

El servicio de atención al cliente es bastante malo. Tarda mucho en contestar, como tengas un problema y sea urgente estas perdido. No tienen ni numero de telefono con el cual poder contactar y encima el tiempo de respuesta de los correos son de hasta 5 dias habiles

Kompetenter und schneller Kundensupport.

Kompetenter und schneller Kundensupport.