Mintos Review 2026
Overview
Mintos is a multi-asset P2P lending platform offering returns of ~12%. The most established P2P platform in Europe. Great for diversification.
How It Works
Mintos is a marketplace that connects investors with loans originated by lending companies across Europe and beyond. Investors can choose loans manually or use automated strategies via Mintos Strategies.
Returns and Performance
Mintos offers average returns of ~12%. Actual performance depends on your investment strategy and risk tolerance.
Regulation and Safety
Mintos is regulated by the Financial and Capital Market Commission (FCMC) of Latvia under MiFID II, offering investors €20,000 protection under European investor compensation schemes.
Pros and Cons
✅ Pros
- Largest platform
- Regulated
- €20K protection
- Many loan types
⚠️ Cons
- Complex for beginners
- Past defaults
Fees
Investing on Mintos is free of charge for investors. No fees are charged for buying or selling loans on the secondary market. Lending companies pay fees to Mintos.
My Personal Experience
My Verdict
The most established P2P platform in Europe. Great for diversification.
Sponsored placements, when present, are explicitly disclosed. Sponsorship may influence only a platform's position in the comparison table, never the platform's rating, review verdict, or editorial evaluation.
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The most established P2P platform in Europe. Great for diversification.
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