Mintos offers a range of investment options in different asset classes, including loans, bonds, ETFs, real estate, and money market funds.
Before you start investing on Mintos, we will ask you to complete the following steps:
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Verify your identity and answer some questions about yourself
We’re committed to providing a safe platform and preventing financial crime. To comply with applicable anti-money laundering laws and “Know Your Customer” policies, we need to verify your identity to make sure it’s really you and ask you some questions about yourself. -
Take the Suitability & Appropriateness assessment
As a licensed investment firm, we are required to ensure that the products we offer are suitable and appropriate for our investors. Based on your answers to our assessment, we will make certain ways of investing available to you and set a responsible investment limit for your account. You can retake the assessment twice every thirty days if your situation changes. -
Transfer funds to your Mintos account
Learn more about deposits
This is how you invest in loans:
Core Loans
This ready-to-use portfolio is an easy and efficient way to invest in loans. Just set your investment goal amount, and that’s it. You’ll start earning competitive returns in no time.
- You will find it in the Invest Section, and then the Loans page by clicking Create portfolio
- Then select the option: Ready to use portfolio
- Your portfolio will buy small fractions of many different Sets of Notes from different lending companies around the world.
- We’ll show you the weighted average interest rate of available investments before you invest.
- We’ll reinvest your returns, so your money can work continuously and earn even more interest.
- Need your money? Now you can get your investment back anytime by cashing out funds from your Core Loans portfolio.
- You can start or stop your portfolio anytime.
- Your exposure is capped at 15% per lending company.
Custom Loans and Browsing Loans
Invest in a way that suits your needs. Choose to manage your investments manually for full control, or save time by building an automated portfolio tailored to your preferences.
- You will find it in the Invest Section, and then the Loans page by clicking Create portfolio
- Then, select the option: Build your own portfolio for automated portfolio or Browse loans to manually select your loans.
- Choose from a huge number of available investments.
- Filter by more than 20 different investing criteria.
- Diversify your portfolio according to your preferences.
- You can invest manually and have full control over each investment, or you can create a Custom Loans portfolio that allows you to automate your investments based on the investing rules you set, use a dynamic diversification algorithm, and automatically reinvest the interest earned.
More about investing in loans
This is how you invest in bonds:
Fractional Bonds
Bonds offer a predictable income stream and can help diversify your portfolio.
- In the Invest section, and then the Bonds page, you can select specific Fractional Bonds that align with your investment goals.
- Access high-yield bonds, usually not available to retail investors.
- You can invest in small fractions of a bond, starting from just €50, and conveniently build a diversified bond portfolio
This is how you invest in ETFs:
Core ETF
Invest in a personalized investment portfolio built from carefully selected ETFs, including stocks and bonds. Your portfolio is tailored based on your risk tolerance and investment horizon.
- You will find it in the Invest section, then the ETFs page by clicking Get Started,
- There is zero commission for buying, holding, or selling ETFs on Mintos
- You can start investing from as little as €50
- Your portfolio is tailored to your investment profile, however, you can choose a lower risk level if preferred.
This is how you invest in real estate:
Passive real estate investing
You invest in small fractions of rental residential real estate without purchasing an entire property. You can start from just €50, and conveniently build a diversified portfolio with a balanced asset mix.
- You can access it in the Invest section, then the real estate page by clicking Get Started
- There are zero purchasing fees
- You earn income from rent and potential capital appreciation
- No hassle with complicated purchasing processes or maintenance
More about investing in real estate
This is how you invest in money market funds:
Smart Cash
A cash management solution designed to invest your money in a money market fund (MMF). These funds are low-volatility, highly liquid investments that focus on generating steady income through safe, short-term securities like bank deposits and government securities.
- You can access it on the Smart Cash section
- Start investing from just €1.00
- You can withdraw your money anytime, on the same day, with no fees or penalties, offering maximum flexibility
- The highest credit quality rating (AAA, indicating the lowest possible risk)
- Broadly diversified and actively managed to follow market rates