How to Invest in Mintos: Step-by-Step Guide
Getting started on Mintos is mostly straightforward fiat onboarding - the real work is originator selection and diversification once you're funded.
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Register and complete identity verification
Sign up with an email address and complete KYC identity verification, standard for a MiFID II-regulated investment firm - a government ID and basic personal details are typically required.
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Fund your account
Deposit EUR via bank transfer. The minimum to start investing is EUR 50 per loan.
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Review originator risk ratings before investing
Mintos publishes risk ratings and disclosure for each loan originator on its marketplace. Read these before committing capital - originator quality varies significantly, and this is the single biggest driver of realised returns and default risk.
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Choose loans manually or set up auto-invest
Browse individual loan listings by originator, loan type, country and term, or configure an auto-invest strategy with rules for maximum rate, term and originator exposure.
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Diversify across originators and loan types
Spread capital across multiple originators and loan types rather than concentrating in one - buyback terms and risk profiles differ significantly between originators.
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Track repayments and reinvest or withdraw
Monitor repayments in your dashboard. Use the secondary market if you need to exit a position before maturity, subject to available liquidity and possible price adjustment.
Common mistakes to avoid: concentrating capital in a single originator, assuming the compensation scheme covers loan defaults (it does not), and treating an advertised 9-11% target as a guaranteed outcome.
READ THE FULL REVIEW FIRST
Understand the regulatory picture and the compensation scheme's real scope before funding an account.
Disclaimer. Information only, not financial advice. P2P lending carries a risk of partial or total loss of capital.