Mintos offers a range of investment options across different asset classes, including loans, bonds, ETFs, stocks, crypto ETPs, 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 Portfolio section, and then the Loans page, by clicking on Invest
- 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.
- You can get your funds back by using the cash-out function 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 loans picked manually
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 Portfolio Section, and then the Loans page, by clicking on Invest
- Then, select the option: Custom Loans for an automated portfolio or Explore 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:
Bonds
Bonds offer a predictable income stream and can help diversify your portfolio. You can let an automated portfolio invest for you, pick individual bonds yourself, or do both.
High-Yield Bonds portfolio
A fully automated way to invest in high-yield bonds. Instead of selecting bonds yourself, the portfolio spreads your investment across at least 20 different bonds and keeps reinvesting to maintain that diversification.
- You will find it in the Bonds section by selecting Create portfolio under Bonds, then choosing High-Yield Bonds
- Activate the portfolio and select Top up to start investing
- Diversification is handled automatically, which helps manage concentration risk
Individual bonds
Choose the specific bonds that align with your investment goals.
- In the Invest section, go to the Bonds page and select the bonds you want to invest in
- Access high-yield bonds usually not available to retail investors
- Invest in small fractions of a bond, starting from just €50
More about investing in bonds
This is how you invest in ETFs:
You can hand-pick ETFs yourself, let the Core ETFs portfolio do the work, or combine both in the same account.
Individual ETFs
Build your own ETF portfolio from over 1,000 ETFs from globally recognized providers such as iShares, Vanguard, VanEck, and Amundi.
- In the ETF section, select Explore
- Start investing from just €1
- No fees to buy or sell, and no custody or inactivity fees
- Every ETF is UCITS compliant, an EU framework designed to protect retail investors
Core ETFs portfolio
Invest in a personalized portfolio built from carefully selected ETFs, including stocks and bonds. Your portfolio is tailored to your risk tolerance and investment horizon, and rebalancing is handled automatically.
- You will find it in the ETF section: Core ETFs portfolio
- Start investing from €50
- No fees to buy, hold, or sell
- Your portfolio is tailored to your investment profile, but you can choose a lower risk level if you prefer
- Set up an investment plan to invest a chosen amount automatically on a regular schedule
Each ETF carries its own annual fund fee (Total Expense Ratio), which is deducted from the fund’s performance rather than charged separately.
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 stocks:
Stocks
Invest directly in shares of established, well-known companies listed on major regulated exchanges.
- Browse the full selection or search for a specific company in the Stocks section, enter your investment amount, and place your order
- Start investing from just €1
- No Mintos commissions to buy or sell, and no holding, custody, or inactivity fees
- Orders are processed immediately during exchange trading hours
- You own the company’s shares directly
If a stock trades in a currency other than the euro, a currency conversion is applied when you buy or sell.
More about investing in stocks
This is how you invest in crypto:
Crypto ETPs
Get exposure to cryptocurrencies through exchange-traded products, without managing crypto wallets or exchanges yourself.
- Choose your crypto ETP and investment amount, then place your order
- Start investing from just €1
- Orders are processed immediately during trading hours
- Everything happens through your Mintos account, and your crypto ETP investments appear in a dedicated Crypto section
More about investing in crypto
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 in 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