Overview
Mintos is the largest peer-to-peer lending platform in Europe, connecting over 600,000 investors with borrowers across the continent. Since its launch in 2015, Mintos has facilitated over €12.4 billion in lending, making it the go-to platform for European P2P investors seeking diversified income streams.
The platform offers a robust ecosystem featuring auto-investment tools, a vibrant secondary market, and MiFID II regulatory compliance. Whether you're a seasoned investor or exploring P2P lending for the first time, Mintos provides the scale, security, and flexibility that European investors demand.
Key Features
Auto-Invest
Secondary Market
Buyback Guarantee
Mobile App
Loan Types Available
Mintos offers a diversified portfolio of loan types, including consumer lending from established lenders across Eastern Europe, business loans for growing companies, and mortgage-backed securities. This diversification helps reduce portfolio risk and provides multiple income streams.
Pros & Cons
Advantages
- ✓ Largest EU platform with 600,000+ investors and €800M+ AUM
- ✓ Strong secondary market providing excellent liquidity
- ✓ MiFID II regulated with €20,000 investor protection
- ✓ Professional infrastructure with robust risk management
Disadvantages
- ✕ Management fees of 0.29-0.39% reduce net returns
- ✕ UK investors excluded due to regulatory changes
- ✕ Saturated market with competitive lending rates
- ✕ Platform maturity means slower growth compared to newer platforms
How It Works
Create Your Account
Sign up and complete KYC verification. Minimum deposit is €50.
Fund Your Account
Deposit funds via bank transfer. Funds are available immediately for investing.
Invest or Set Auto-Invest
Choose loans manually or use auto-invest to automatically diversify across loans matching your criteria.
Receive Monthly Returns
Earn interest as borrowers repay their loans. Use the secondary market to exit positions anytime.
Fee Structure
| Fee Type | Amount |
|---|---|
| Management Fee | 0.29-0.39% p.a. |
| Investment Fee | None |
| Withdrawal Fee | None |
| Secondary Market Fee | Spread-based |
Who Is It For?
Mintos is ideal for European investors seeking a mature, well-established P2P platform with strong regulatory oversight. It's perfect for:
- → Conservative investors who value MiFID II regulation and investor protection
- → Portfolio diversifiers seeking exposure to multiple loan types and geographies
- → Liquidity seekers who want the option to exit investments via the secondary market
- → Passive investors who prefer auto-invest functionality for hands-off management
- → European residents (except UK) seeking exposure to established P2P lending
Top Lending Companies on Mintos
Mintos partners with carefully selected lending companies across Europe and emerging markets. These three companies represent some of the most active and reliable loan originators on the platform.
Eleving Group
Latvia
Multi-brand consumer and vehicle finance company operating across 16 markets. Achieved EUR 217M in revenues in 2024 and completed IPO in October 2024.
Delfin Group
Latvia
One of the highest-rated loan originators on Mintos. IPO'd on Nasdaq Riga in 2021 and regularly issues corporate bonds. Consistently profitable.
Planet42
South Africa
Promotes transport equality through rent-to-buy vehicle subscriptions. Operates in Mexico and South Africa.
Verdict
Mintos remains Europe's premier P2P lending platform, offering scale, security, and sophistication that few competitors can match. With over €800 million in AUM and 600,000+ active investors, the platform provides unmatched liquidity through its secondary market and comprehensive regulatory compliance.
The 9.4% average returns, combined with MiFID II regulation and €20,000 investor protection, make Mintos an excellent choice for European investors seeking stable, diversified P2P income. While management fees and market saturation are considerations, the platform's maturity and infrastructure justify its position as the go-to choice for serious P2P investors.
Frequently Asked Questions
Is Mintos safe to invest in?
Mintos is one of the most regulated P2P platforms in Europe, operating under MiFID II with oversight from the Latvian Bank of Latvia. Investor funds are protected up to 20,000 EUR through the Latvian investor compensation scheme. With over 600,000 investors and 12.4 billion EUR funded, Mintos has a strong track record - but like all P2P investments, your capital remains at risk.
What is the minimum investment on Mintos?
The minimum investment on Mintos is 50 EUR. This applies to both manual investments and the auto-invest feature. You can diversify across multiple loans starting from this amount.
Does Mintos have a secondary market?
Yes, Mintos has one of the most active secondary markets among European P2P platforms. You can sell your loan investments to other investors before maturity, providing liquidity when you need it. The secondary market operates on a spread-based pricing model.
What returns can I expect from Mintos?
Mintos currently offers average returns of around 10.82% annually. Returns vary depending on loan type, duration, and risk level. Note that Mintos charges a management fee of 0.29-0.39% which is deducted from your gross returns.
How does the Mintos buyback guarantee work?
Mintos offers a buyback guarantee on most loans. If a borrower is more than 60 days late on repayment, the lending company is obligated to buy back the loan at face value plus accrued interest. This provides a safety net, though the guarantee is only as strong as the lending company behind it.