How does the inactivity fee work?

This article explains how the account inactivity fee is applied, including the updated terms effective from 1 October 2025.

Key details

• Fee amount: €4.90 per month
• Charge date: 1st of every calendar month

The fee applies if all the following conditions are met over the past 360 days on your Mintos account:

• No investments (including manual or automated), sales, deposits, or withdrawals were made. As soon as you take one of these actions, your status will reset back to active for the next 360 days.
• The account holds no ETFs, bonds, real estate, Mintos stock, crypto ETPs, or funds in Smart Cash (if you hold investments in loans only, and there is no activity on the account for more than 360 days, the fee will apply). 
• The account is not in the process of closure and is not locked under investigation or for other reasons. 
• Your available balance is at least €4.90 at the time of charging.
• Less than 90% of your loan investments are in Overdue status at the time of charging.
   

Changes compared to the previous terms

Important to know

• Overdue loans: If more than 90% of your loan investments are in Overdue status at the time of charging, the inactivity fee won't be charged.
• No negative balances: Your account balance will not go below zero because of the inactivity fee.
• No investments and no funds: If you have no active investments and no available funds in your Mintos account, you won’t be charged the inactivity fee (funds in recovery are not considered active investments).
• Minimum balance to collect: If the inactivity fee applies to your account but your available balance is below €4.90 on the 1st of the month, the fee won't be collected that month.
• If you have an automated investment portfolio that’s actively investing, you won’t be charged this fee.

How to keep your account active

You can take any of the following actions to keep your Mintos active, meaning the inactivity fee won’t apply:

• You make at least one investment, sale, deposit, or withdrawal within 360 days.
• Your account holds ETFs, bonds, real estate, Mintos stock, crypto ETPs, or funds in Smart Cash.
• Inactivity fees won't be charged for accounts under investigation or closure.

Examples

• Example 1: You last invested 13 months ago, you have €200 of available cash, investments in loans, and no ETFs, bonds, or Smart Cash. → You’ll be charged €4.90 on the 1st date of the month.
• Example 2: You haven’t invested for 12 months, but you made a withdrawal 3 months ago. → No inactivity fee (withdrawals reset the 360-day period).
• Example 3: You only have funds in recovery. You withdraw them to your bank account before the end of the month, so your available funds are €0 at the beginning of the next month. → No inactivity fee. 
• Example 4: You meet the inactivity criteria, but your available balance on the 1st of the month is €3.20. → The inactivity fee applies, but it won't be collected as your balance is below €4.90.

Need help? 

If you’re unsure whether the inactivity fee applies to your account, check your account statement or reach out to us.