Mintos was founded in 2015 and is headquartered in Riga, Latvia. The platform is supervised as a regulated investment firm within the European Union and gives private investors access to various investment products that are often reserved for institutional investors.
Even with small amounts, investors can build a diversified portfolio and choose between several asset classes.
Loan investments continue to form an important part of Mintos. Investors invest in loan claims from various lenders and receive ongoing returns. Investments can be made manually or through automated strategies.
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Mintos now also enables the building of long-term ETF portfolios. ETFs are particularly suitable for investors who want to invest in a globally diversified manner and benefit from long-term capital market developments.
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A unique selling point of Mintos is access to bonds from comparatively small investment amounts. This allows private investors to add an asset class to their portfolio that previously often required higher minimum investments.
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Through selected real estate investments, investors can additionally participate in the real estate market without having to buy or manage properties themselves.
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Smart Cash is designed for investors who don't want their available liquidity sitting uninvested in their account. The balance is invested in a money market fund and can generally be made available again for other investments at short notice.
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Important: Smart Cash is not a savings account and is not covered by standard deposit insurance.
Achievable returns depend on the chosen asset class. As a general rule:
Past performance is not a guarantee of future results.
Mintos relies on a comparatively transparent fee model. The specific costs depend on the respective asset class. Before investing, investors should always check the current fees on the official website.
A positive aspect is that many platform features can be used without additional account or custody fees.
Mintos is particularly suitable for:
Mintos is less suitable for those who exclusively want to use a classic stock portfolio.
Is Mintos legitimate?
Yes. Mintos is one of the best-known European investment platforms and operates as a regulated investment firm within the European Union.
Can you lose money with Mintos?
Yes. As with any investment, there is a risk of losses. Loan investments, bonds and real estate investments in particular carry risks.
Is Mintos a savings account?
No. Smart Cash is often used as an alternative to unused account balance, but it is not a classic savings account.
How much money do you need to get started?
Many investments on Mintos can be started with small amounts.
Is Mintos suitable for beginners?
Yes. Thanks to automated strategies and the clear platform, Mintos is also suitable for beginners. Nevertheless, investors should familiarise themselves with the respective risks before investing.
You can view the offer directly on the platform – click here to go directly to Mintos.
Both platforms are available across Europe and serve long-term investors, but take different approaches to asset allocation.
| Feature | Mintos | Scalable Capital |
|---|---|---|
| ETFs | Yes | Yes |
| Loans | Yes | No |
| Bonds | Yes | Yes |
| Real Estate | Yes | No |
| Automated Strategies | Yes | Yes (Robo-Advisor) |
| Smart Cash / Cash Interest | Yes | Yes |
| Available across Europe | Yes | Yes |
| Focus | Multi-Asset Investing | ETFs & Wealth Management |
Scalable Capital is a strong choice for ETF-focused investors and those seeking automated wealth management. Mintos stands out for investors who want to go beyond stocks and ETFs by adding loans, bonds and real estate to their portfolio.
Mintos has evolved from a pure P2P lending platform into a versatile investment platform. The combination of loans, ETFs, bonds, real estate and Smart Cash makes the platform particularly interesting for investors who want to manage various asset classes through a single account.
Those who want to diversify their portfolio and tap into additional income sources beyond classic ETF investments should take a closer look at Mintos.