Mintos review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mintos is a cheap, commission-free platform for lending money to businesses through their loan marketplace, with an account fee of €0 and a secondary market for exiting early. It suits investors who want lending exposure in euro-denominated loans rather than a share dealing account, and accept that the money carries borrower default risk.
Key facts
- Best for
- Lenders who want a low-cost loan marketplace with a secondary market.
- Minimum deposit
- €50 (Source, checked September 26, 2026)
- Account fee
- €0 (Source, checked September 26, 2026)
- Inactivity fee
- €4.90 (Source, checked September 26, 2026)
- Markets
- Bonds, ETFs, Crypto (Source, checked September 26, 2026)
- Regulators
- Latvijas Banka, LV LV (Source, checked September 26, 2026)
- Investor protection
- EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.5% (Source, checked September 26, 2026)
- Deposit and withdrawal fees
- Free bank transfer withdrawal; 2% card deposits (Source, checked September 26, 2026)
- Platforms
- Web, iOS, Android (Source, checked September 26, 2026)
- Interest on cash
- 2.5% (Source, checked September 26, 2026)
- Legal entity
- SIA Mintos Payments (Source, checked September 26, 2026)
- Headquarters
- Latvia (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre, Community (Source, checked September 26, 2026)
- Features
- Crypto, Mobile app
- Pricing model
- Commission-free
- Official website
- mintos.com
P2P lending
- Target return
- 9.2% (Source, checked September 26, 2026)
- Minimum investment
- €50 (Source, checked September 26, 2026)
- Secondary market
- Yes (Source, checked September 26, 2026)
- Regulators
- Latvijas Banka, LV LV (Source, checked September 26, 2026)
- Legal entity
- SIA Mintos Payments (Source, checked September 26, 2026)
- Headquarters
- Latvia (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre, Community (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- The account fee is €0, and Mintos ranks at 1 of 138 brands on that measure
- Investing is commission-free, and the minimum investment is €50
- A secondary market is available, so loans can be sold before they mature
- The target return is 9.2%, and cash held earns an interest rate of 2.5%
- Support runs through email, help centre and community
Cons
- Card deposits cost Free bank transfer withdrawal; 2% card deposits, so topping up is dearer than a bank transfer
- An inactivity fee of €4.90 applies, against an inactivity fee position of 33 of 56
- The minimum deposit of €50 sits far above a site minimum deposit median of €4.64
- Markets listed are bonds, etfs and crypto, so there is no share dealing here
Who it suits
- Investors who want to lend to businesses and earn a target return of 9.2%
- Lenders who want a secondary market to sell a loan before it matures
- Euro-based investors who accept that defaults can reduce returns
Who should look elsewhere
- Share traders, who should look at eToro with a commission-free model and a wider market list
- Anyone wanting to start with a very small sum, since CFI takes a minimum deposit of $0
- Lenders who need a guaranteed buyback, as the return of 9.2% is a target rather than a promise
Fees and costs
The account fee is €0, which is why Mintos holds the account fee position of 1 out of 138 brands ranked on that measure. The model is commission-free, so investing in a loan does not carry a dealing commission. The costs that do apply sit in three places. A currency conversion fee of 0.5% is charged on conversions, and the deposit and withdrawal terms are Free bank transfer withdrawal; 2% card deposits, which means card funding costs more than a bank transfer. An inactivity fee of €4.90 is the third charge, and it is the one that catches out lenders who stop checking the marketplace. For a comparison, eToro also lists an account fee of $0, so the standing charge is not unusual, but the conversion fee and the card charge are where the real cost sits. Cash parked on the platform earns 2.5%, which softens the drag of a slow month.
Account opening and funding
The minimum deposit is €50, and the minimum investment in a single loan is €50. Those two numbers sit close together, so an account funded to the deposit minimum can be put to work almost immediately. Funding and withdrawals run on the terms set out as Free bank transfer withdrawal; 2% card deposits: bank transfer withdrawals are free, while card deposits carry a charge, so the first transfer in is better made by bank transfer. The account is available on Web, iOS and Android, so the same balance can be managed from a browser or from a phone. Investing is commission-free, and the secondary market is available, which lets a lender sell a loan before it matures rather than waiting for repayment. The account fee is €0, so holding the account open costs nothing in practice. A minimum investment of €50 still means the smallest loans are out of reach, and a site minimum investment median of €25 shows how much of the market sits above that floor.
How it compares on our data
On account fee, Mintos takes the top position of 1 among the 138 brands ranked on that measure, reflecting an account fee of €0. On inactivity fee the picture is weaker: the position is 33 out of 56 brands, with an inactivity fee of €4.90 set against a site inactivity fee median of €0. On minimum deposit, Mintos ranks at 141 of 213 brands, with a minimum deposit of €50. That is a high figure in the ranking, and it is worth weighing against the site minimum deposit range, which runs from €0 to €26,308.87 with a median of €4.64. The short version for a reader focused on cost: the standing charge is as low as it goes, and the entry cost is among the higher ones.
The company behind it
Mintos operates as SIA Mintos Payments, with its headquarters in Latvia. It was founded in 2015, so the platform has a long operating record behind the marketplace. The authorised entity appears in the European register under the licence PSD_EMI LV_FCMC!723, and the named regulators are Latvijas Banka and LV LV. Investor protection is stated as EU ICS up to EUR 20,000, which is the deposit guarantee arrangement rather than compensation for a default on an individual loan. That distinction matters for anyone weighing the safety of the money: the scheme covers eligible balances held with the institution, not the loans themselves, and loan defaults are the main risk to principal. Support is offered through email, help centre and community, so there is a help centre and a community alongside email, and no other channel is listed.
How Mintos compares
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Where Mintos is available
- Available
- Everywhere except United States
- Licence in Latvia
- Latvijas Banka, checked September 26, 2026
- Licence in Latvia
- LV_LV (PSD_EMI LV_FCMC!723), checked September 26, 2026, also valid in Latvia
Frequently asked questions
What fees does Mintos charge on an account?+
The account fee is €0, and the platform is commission-free, so there is no dealing charge on an investment. The charges that apply are a currency conversion fee of 0.5%, card deposit costs set out as Free bank transfer withdrawal; 2% card deposits, and an inactivity fee of €4.90.
How much do I need to put in to start lending?+
The minimum deposit is €50, and the smallest single investment is €50. The two figures are close, so funding to the deposit minimum is enough to purchase a loan. For scale, the site median for a minimum investment is €25.
Is my money protected and who regulates Mintos?+
Mintos runs as SIA Mintos Payments under the licence PSD_EMI LV_FCMC!723, with Latvijas Banka and LV LV named as regulators. Investor protection is stated as EU ICS up to EUR 20,000, a deposit guarantee arrangement, and it does not cover a borrower default on an individual loan.
Can I withdraw money and what does it cost?+
Withdrawal terms are Free bank transfer withdrawal; 2% card deposits, so a bank transfer withdrawal carries no charge. Card deposits do attract a charge under the same terms. The account fee of €0 means there is no standing cost for keeping the account open while you wait for a repayment.
Can I sell a loan before it matures?+
A secondary market is available, so loans can be sold on rather than held to repayment. This is the main structural difference from a platform that locks money in until the end date. It does not remove default risk, since the target return of 9.2% remains a target.
What return can I expect?+
The target return is 9.2%, and the site median target return across the comparison is 10%. Cash held on the platform earns an interest rate of 2.5%. Returns depend on borrowers repaying, so the target figure is not a promise of what you will receive.
Which platforms can I use Mintos on?+
Mintos is available on Web, iOS and Android, so the same account can be managed in a browser or on a phone. Mobile apps are among the features listed for the platform. Support runs through email, help centre and community rather than a phone line.
Is there an inactivity fee if I stop using the account?+
Yes. The inactivity fee is €4.90, and Mintos ranks at 33 of 56 brands on that measure. That ranking is weaker than its account fee position of 1, so an account left untouched is where the cost appears.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=LV_FCMC!723; EntityType=PSD_EMI; ENT_NAM=SIA Mintos Payments”
- help.mintos.com/hc/en-us/articles/360001769417 checked September 26, 2026
Backs: Founded
“Since Mintos was founded in January 2015 to the beginning of March 2020, we experienced normal market conditions.”
- mintos.com/en checked September 26, 2026
Backs: Minimum investment, Secondary market, Target return
“Start from just 50 EUR, with low and transparent fees.”
- mintos.com/en/how-it-works/fees checked September 26, 2026
Backs: Features, Currency conversion fee, Inactivity fee, Account fee, Pricing model, Platforms, Deposit and withdrawal fees
“Invest in Crypto; Get the app Download on the App Store, Get it on Google Play”
- mintos.com/en/imprint checked September 26, 2026
Backs: Investor protection, Regulators
- mintos.com/en/mintos-affiliate-program checked September 26, 2026
Backs: Minimum deposit, Support channels, Markets
“Earn rental income starting from EUR 50 investment - real estate, main retail account”
- mintos.com/en/smart-cash/invest checked September 26, 2026
Backs: Interest on cash
“Earn up to 2.5% interest on your cash - Mintos Smart Cash”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Retail accounts that lose money.