Common questions about the Mintos login, safety, fees and how the platform works.
How do I log in to Mintos?
Go to mintos.com and click Log In at the top of the page. Enter your registered email and password, then complete two-factor verification if enabled. The Mintos login works the same on desktop and in the mobile app.
Is Mintos safe?
Mintos is regulated as an investment firm by the Latvian FCMC under MiFID II since 2021, with client funds held in segregated accounts and €20,000 protection for uninvested cash. However, invested capital in loan notes and bonds is not deposit-insured and can be lost; past defaults and buyback delays show real liquidity risk. See the safety comparison on this page.
What is Mintos?
Mintos is a Riga-based investment platform, launched in 2015, where investors buy fractions of loans, bonds, real estate and ETFs originated by partner lending companies across Europe. It is Europe's largest peer-to-peer investment marketplace by volume funded.
How does Mintos make money?
Mintos typically earns fees from the lending companies that list loans on the platform rather than charging investors directly for basic investing, though some products such as ETF trading or account services may carry separate fees disclosed on mintos.com.
Is Mintos a bank?
No. Mintos is a licensed investment firm, not a bank. In February 2026 Mintos applied for a full Latvian banking license, a process that takes at least two years, but as of now deposits are not bank-insured the way a checking account would be.
How do I withdraw money from Mintos?
Withdraw uninvested funds from your Mintos account to your linked bank account through the web dashboard or mobile app. Withdrawal of available cash is generally processed quickly, though funds tied up in active loans or in recovery are not immediately available.
Does Mintos have a mobile app?
Yes. The Mintos app is available for iOS and Android and mirrors the full web platform: deposits, investing, withdrawals and portfolio tracking.
What is the minimum investment on Mintos?
Minimums vary by product: bonds start around €50, while ETFs can be bought fractionally from as little as €1.
What returns can I expect on Mintos?
Mintos advertises a weighted average APY around 9% on Core Loans, with some manually selected loans offering higher advertised rates. Actual realized returns vary by lending company performance, defaults and buyback delays, and are not guaranteed.
Who can invest on Mintos?
Mintos accepts investors from most European countries and a number of other jurisdictions; eligibility depends on local regulation. Check current country availability during registration on mintos.com.
What happened with Mintos buyback delays?
During stress periods such as the COVID-19 pandemic and the war in Ukraine, some lending companies were unable to honor buyback guarantees on time, leaving investor funds tied up in recovery for extended periods. This is a known risk factor covered in independent reviews.
How is Mintos different from a savings account?
A savings account at a bank is typically deposit-insured and highly liquid. Mintos investments are not bank deposits, carry risk of loss, and can be illiquid if a lending partner defaults or delays buybacks.