At Mintos, we aim to keep our fees transparent and fair. Below is an overview of the fees that may apply to your investments and transactions on our platform.
Investment and portfolio management fees
- Loan Portfolios (Core Loans and legacy strategies): 0.39% per year
- Custom Loans portfolio: 0.29% per year (applies from 16.05.2025 onwards)
- Mintos Smart Cash: 0.19% per year
These fees are automatically deducted from the portfolio value.
Currency exchange fees
- Currency exchange fees start from 0.50%, depending on the currency pair. The exact fee is displayed before confirming an exchange.
Secondary Market fee
- A 0.85% fee applies when selling investments on the Secondary Market. There is no fee for buying investments. The fee is calculated based on the final sale price, after any discount or premium has been applied.
Inactivity fee
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A monthly fee of €2.90 applies to investors who haven’t made any investments or sold existing ones for six consecutive months or longer. This inactivity fee is calculated and charged on the 1st day of each month.
The fee will not be charged in the following cases:
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The investor’s uninvested cash is 30% or less of their total account balance (which includes uninvested cash, invested funds, and overdue amounts, all converted to euros).
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The investor holds less than €100 in uninvested cash.
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The account is limited, locked, or in the process of being closed.
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Recovery charges
- If a recovery process incurs costs, these charges will be deducted from the recovered amount. However, they will never exceed the recovered amount.
- We will always inform investors about any applicable recovery charges before withholding them.
For more details on charges, please visit our Terms and Conditions or reach out to our support team.