Invited
easy use of platform and it comes with an app as well, however, the app has limited features compared to its website. this could be improved. Also the bond or lets say overall the portfolio analysis... See more
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Review summary
Based on reviews, created with AI
Based on these reviews
Invited
Good Investing Platform, different products available, good returns. Of course as in every financial operation there are risks and this is no financial advice, but Mintos seems pretty much strong at... See more
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Invited
I am a few years with Mintos already. Initially this was a minefield with plenty of loan originators (LO) defaulting in a short period. Including ones with good ratings. For the last 2~3 years thing... See more
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Invited
It works fast and has good variety of investments, with automated options that are very convenient. It is quite easy to use. I think it'd be great to have unified experience between desktop and app, a... See more
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Invited
Fast execution orders, good evidence of individual portfolio. Improovments : date of scheduled interests dissapeared until new platform update .It passed two months since then. For bond backed secur... See more
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Platform itself offer good return, but experience with AML was unpleasant. My account was frozen for 3 months and AML replied every after week or two. I had to redirect my requests straight to Platfor... See more
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Invited
Easy to use, clear instructions and explanations on how your money is used/invested. Just remember no investment is risk free and you should do your due diligence and not blindly trust online comments... See more
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I update my review. things are going much better so far. ABS are working pretty efficiently, Risk score seems to be more accurate. Certainly, for safer loans at a medium/high interest you need to comp... See more
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Invited
I am with Mintos very long time (maybe since 2019..not sure already). The company made amazing journey. What I nowadays appreciate is variety of other investment opportunities like bonds, ETFs, real e... See more
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Invited
Good experience with their P2P lending platform and now when they are expending into ETFs and bonds I have a sense of even greater stability. They pulled through some tough times for markets and kept... See more
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Have been using the platform for 3 months until I deposited a bigger amount. I provided my bank statement with salary but unfortunately in my statement I had a big deposit via ATM with money I have be... See more
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Invited
Well designed platform, easy to use and to start investing even with small amounts. Ideal if you like to accumulate and compound. MINTOS offers a variety of different investments which you may wish... See more
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Invited
I've been using Mintos since 2022 and I have to say that I'm very please in how they handle Notes and they give sufficient updates to users for delays and/or problem with lending companies. Based on t... See more
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Invited
I like the web interface, the site is fast and responsive and helpful. It is very easy to navigate and there is help on many areas. The app needs some work to be better. It's a bit funny that when you... See more
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Invited
Not all investments will give you the satisfaction ( profit) you want but Mintos will inform you through the whole process in a correct way no matter the investment is doing well or bad! I like their... See more
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Invited
I am using the services of Mintos for the past 3 years and never had a complaint. The design is user friendly and thanks to instructions and explanations it is easy to be used even by a beginner who w... See more
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Invited
Easy to use platform, with a good pace of offering growth (perhaps too much in terms of increasing types of products, but not so much inventory within each category?). Mobile app works very well, even... See more
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Invited
I've been using the core loans product for a few months. It's easy, reliable, and offers a very good ROI. I've recently started making use of Mintos's corporate bonds offers. I haven't come across suc... See more
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Invited
An easy to use platform with a responsive and friendly customer service. Most of the loans are performing well, a small minority is in active recovery. Minutos is one of the best and most reliable pla... See more
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Invited
The client support is very quick and effective. Plus, they had the courtesy of addressing me in my own language, which is a nice and very useful to some users. The plattform works fine, plenty of i... See more
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Invited
Excellent and diversified services, usability, and simplicity of the portal. You can choose to invest calmly or take on a bit more risk. Withdrawal of funds is quite immediate. After two years, I'm ve... See more
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Invited
I am investing now for couple of years. Initially I was not so happy as there were in the beginning some issues with some of the loan originators and returns were behind expectations. Regardless o... See more
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Invited
Mintos Review: A Realistic Look at P2P Lending I've been with Mintos since 2018. After the initial excitement, I faced the reality of challenges like the COVID-19 pandemic and the war in Ukraine,... See more
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Invited
I am satisfied with the work the company has carried out so far. The results achieved reflect a solid effort focused on building trust, an invaluable asset for a company like Mintos. However, it shoul... See more
Company replied
Not really happy as I block my savings for some interest but after a few investments, money is back before the the end of the term with no interest If I use the platform is to have some interest... See more
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Invited
Mintos is a platform for peer to peer loans. So as an investor you can invest your money to get a high return. The internet platform is working good and they offer an application as well. So it is... See more
Company replied
Invited
Im investing on Mintos from Feb 2016 and Im satisfied. Very high returns. Of course there were a plenty of bancrupcy companies, where I lost money, but you always make diversifications through l... See more
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Invited
a good platform. if you tend to invest in high-yield and non-investment-grade Bonds. still the sales process on the secondary market can surely be improved
Company replied
Invited
It is a good platform for investing money, unfortunately, the amount of Overdue payments is huge in my account. So if Mintos never recovered this amount, then I would have been better off just putting... See more
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Invited
Great overall. Not major changes needed but I would like to see the user interface improved a little specially for loans you are redirected to the website login to check it there, if you are on the ap... See more
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Invited
I have been investing on Mintos loans for 2,5 years now. My net annual return is over 10%. Never had any problems, very satisfied. Good app to keep track of my investments.
Company replied
Invited
I really like the options Mintos offers me. Loans-bonds-real estate and some ETFs gives me a good spread on investments. I would like the platform to offer a selection of crypto(ETFs) in the furture... See more
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Invited
Great offering, ranging from traditional long term investments (ETFs) and savings instruments (smart cash), all the way up to unique notes backed by loans. One can really create a comprehensive portfo... See more
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Invited
After 4 years on the platform, not to many loses (except for those from the russia ukraine situation, but that was my fault for not exiting) and constant and progressive gains. I will stay for the l... See more
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Invited
Offer great products to access different sources of yield from loans, rents and bonds. They offer clear information and try to be as transparent as possible.
Company replied
Invited
I wish to have stronger due diligence before uploading new LO or bonds. Also I wish to have combined pie ( notes + bonds) of my entire portfolio.
Company replied
Invited
Mintos will help you become financially independent. You will be a banker, but you have no banking experience. But with the help of Mintos you will choose the loans that suit you.
Company replied
Invited
I like the platform, from year to year I see how I get closer to a passive income that will cover part of my monthly expenses
Company replied
Invited
Mintos - they keep improving their service and platform. One aspect I like minots is scoring.
Company replied
Company details
Written by the company
Mintos is Europe's leading investment platform for earning regular passive income, with over €600 million in assets under management for more than 500,000 registered users. Authorized under MiFID, Mintos enables users to build diversified portfolios of income-generating assets through both automated and manual investment strategies. Mintos has earned multiple industry awards since its founding in 2014, including five consecutive AltFi People's Choice Awards.
Contact info
Skanstes 50, LV-1013, Riga, Latvia
- https://help.mintos.com/hc/en-us/requests/new?ticket_form_id=1900000251753
- https://help.mintos.com/hc/en-us/requests/new
- mintos.com
4.0
Great
4K reviews
Replied to 100% of negative reviews
Typically replies within 2 weeks
Great App
Grat app for your investments. Easy to use, easy to find portfolio you want and need.
8 December 2025
Unprompted review
Reply from Mintos
Hi Jan!
Thank you for sharing your positive experience. We are happy to hear that you find our app great and easy to use.
Best regards,
Mintos team
I had an extremely negative experience…
I had an extremely negative experience working with this company. Their decisions and management practices had a severe and lasting impact on my business, ultimately damaging our financial standing and wiping out much of the equity we had built over time.
Communication was inconsistent, expectations were unclear, and key responsibilities were handled with a level of carelessness that directly affected our operations. Despite multiple attempts to resolve issues, we never received the support or accountability we expected from a professional partner.
Based on my experience, I cannot recommend this company to anyone looking for a reliable or responsible relationship.
4 December 2025
Unprompted review
Reply from Mintos
Hi Diogo,
We’re sorry to hear about your experience, and we appreciate you taking the time to share this feedback.
At Mintos, we aim to operate with transparency, accountability, and a high standard of service, so it’s concerning to learn that your interactions with us left you feeling unsupported and negatively affected.
We understand how important are clear communication and reliable processes. To better understand what happened and to see how we can address your concerns, we would appreciate the opportunity to speak with you directly. Please reach out to us so we can look into the situation in detail and work toward a resolution.
Kind regards,
Mintos team
Invited
Great app and easy investments
Great app, easy and intuitive option to diversify investments. Great automatic options
20 November 2025
Reply from Mintos
Dear Thomas,
Thank you for your positive feedback.
We’re glad to hear that you find the app easy to use and intuitive, and that our automatic investment options help you diversify your portfolio with confidence.
We truly appreciate your support and remain at your disposal should you need any assistance.
Best regards,
Mintos
Invited
Fast execution orders
Fast execution orders, good evidence of individual portfolio.
Improovments : date of scheduled interests dissapeared until new platform update .It passed two months since then.
For bond backed securities was eliminated info regarding next payment ammount.I don't understand why? I wish to analize posibility to reinstall this status.Thank you
17 November 2025
Reply from Mintos
Hi Dragos- Adrian,
Thank you for your feedback and for sharing your experience with the platform.
We’re glad to hear that you find the fast execution and portfolio evidence helpful. Regarding the disappearance of scheduled interest dates and the removal of next-payment information for bond-backed securities: this is not a permanent change. These features were temporarily removed as part of broader improvements to ensure data accuracy and platform stability.
We fully understand that these overviews were valuable tools for many investors, and we are actively exploring ways to bring this information back in a clear, reliable, and investor-friendly format. Your input is important to us, and it helps shape the improvements we prioritize.
Thank you again for taking the time to share your thoughts.
Kind regards,
Mintos team
Invited
Reply from Mintos
Dear Gamaliel,
Thank you for your positive feedback and for taking the time to share your experience with Mintos. We’re glad to hear that you appreciate our interface and find our service efficient and responsive.
We’re always working to improve, so if you have any suggestions on how we could make your experience even better, please don’t hesitate to share them with our support team.
Best regards,
Mintos
Account Limitations and Aggressive Document Requests Ruined the Experience
I have been putting off writing this review for too long, but my deep disappointment with the Mintos experience demands that I finally share it. While I am awarding the platform itself a single star, the customer service experience warrants a rating of at least minus four stars (-4/5) due to the high-pressure, overwhelming, and disorganized nature of their required procedures.
My investment experience was completely overshadowed by the Know Your Customer (KYC) and Anti-Money Laundering (AML) verification process. What I encountered was a proper bombardment of emails requesting countless documents and statements.
The constant flow of requests, which often felt repetitive or unstructured, created an immense amount of stress and administrative work. Worst of all was the intimidating tone of the communication. I repeatedly received urgent emails that contained aggressive language, such as:
"If you don't answer within 5 days we will limit your account!"
This constant threat of account limitation, coupled with the sheer volume of documents required, made the entire process feel less like a regulatory requirement and more like a hostile interaction. For a platform operating in the financial sector, this level of customer service is unacceptable. Investors should be guided through necessary compliance steps with clarity and courtesy, not with a five-day ultimatum.
My time with Mintos has been a major disappointment, primarily because their customer service handling of the mandatory document submission was highly unprofessional, stressful, and poorly managed. The platform's operational experience simply does not outweigh the severe failure in investor relations and compliance processing.
The requests were deeply intrusive, even demanding specific travel dates and countries visited, which felt like a massive overreach far beyond what is required for standard financial compliance.
25 October 2025
Unprompted review
Reply from Mintos
Hi,
Thank you for taking the time to share your detailed feedback with us. We are sorry to hear about the stress and frustration you experienced during the AML and KYC review process, and we regret that this overshadowed your overall investment experience on Mintos.
We acknowledge that the volume and tone of the communication you received did not meet the standard of clarity, guidance, and professionalism that we aim to provide. Please rest assured that your feedback is valued and taken very seriously. We are actively working to improve the clarity and structure of our communication, ensure a more supportive tone in all compliance-related interactions, and streamline our procedures to reduce repetitive document requests wherever possible.
At the same time, we do want to emphasize that AML and KYC checks are legally required processes that all regulated financial institutions must follow. These procedures can sometimes feel extensive or intrusive, but they are essential to maintaining a secure, transparent, and fully compliant investment environment for all our investors. All actions taken during your review were in alignment with applicable regulations and Mintos' internal compliance policies.
That said, we fully recognize that meeting regulatory obligations does not justify creating a negative or overwhelming customer experience. Your feedback highlights important areas where we must do better, and we are committed to implementing improvements to ensure future interactions are handled with the clarity, courtesy, and professionalism that every investor deserves.
Thank you again for bringing this to our attention, and we genuinely appreciate your honesty. If you have any remaining questions or unresolved concerns, we would be glad to assist you directly.
Kind regards,
Mintos team
Experience with AML was unpleasant
Platform itself offer good return, but experience with AML was unpleasant. My account was frozen for 3 months and AML replied every after week or two. I had to redirect my requests straight to Platform customer service. And in the end [probably AML ego] they shut down my account.
17 August 2025
Unprompted review
Reply from Mintos
Hi Simonas,
Thank you for sharing your experience. We sincerely apologize for the inconvenience caused by the delays in communication during your AML review process. We understand that waiting for updates can be frustrating and that this situation may not have met the level of service you expected from Mintos.
Please rest assured that your feedback is valued and taken seriously. We are continuously working to improve our response times and overall efficiency, particularly during periods of high workload, which was the case in your situation.
We also understand that AML and KYC procedures can sometimes feel extensive or repetitive. However, these checks are a crucial part of our legal and regulatory obligations designed to ensure a secure and compliant investment environment for all our investors. While we are unable to share specific internal details behind the review, please know that all actions taken were in full alignment with applicable laws and Mintos’ internal compliance policies.
Kind regards,
Mintos team
You have to be careful with autoinvest…
You have to be careful with autoinvest if you don't want to get your money lent for more than 200 months. I have +10% of my wallet stuck for more than 18 years.
18 October 2025
Unprompted review
Reply from Mintos
Dear Jorge,
Thank you for taking the time to share your feedback.
We’re sorry to hear about your experience. This matter has been escalated to our engineering team to assess the underlying mechanism and ensure that it operates as intended.
We would appreciate it if you could contact our support team directly, so we can review your specific case in detail and provide further assistance.
Best regards,
Mintos
Invited
Reply from Mintos
Dear Investor,
Thank you for your review and for sharing your feedback.
We’re glad to hear that you’re enjoying your experience with Mintos. Our team continuously works to enhance the platform and offer investors a wide range of quality investment opportunities.
If you have any questions or suggestions, please don’t hesitate to contact our support team — we’re always happy to assist.
Best regards,
Mintos
Invited
Great options to diversify portfolio
Great options to diversify portfolio. Good historic performance
9 October 2025
Reply from Mintos
Hi Lauris,
Thank you for your review! We’re glad you value the variety of options and the strong historic performance. Your feedback is greatly appreciated!
Kind regards,
Mintos team
Invited
Reply from Mintos
Hi Sture Rainer,
Thank you for your feedback! We’re glad to hear you find it easy to use and rewarding. Your support means a lot to us!
Kind regards,
Mintos team
Blocked out of my account due to their fault to verify the new passport
For more than 2 weeks I'm trying to verify my new passport. Their system is not working, after tenths of emails, responded that they will inform the IT department to check the fault. In the meantime I cannot withdraw or deposit money from my account that means I have blocked from my account having inside approx 10k euro. Customer assistance terrible... No live chat, no phone nothing only email. Just consider these if you wanna invest.
6 October 2025
Unprompted review
Reply from Mintos
Dear Konstantinos,
Thank you for your feedback.
We understand that this situation may be frustrating, and we sincerely appreciate your patience and understanding. At the moment, our team is still working to resolve the underlying issue with document verification. Please rest assured that this matter is being treated with priority, and we expect it to be resolved shortly.
We would also like to emphasize that this situation is not common and normally does not occur. Our team is actively investigating the cause to ensure it does not happen again in the future.
Best regards,
Mintos
Invited
Reply from Mintos
Dear Petar,
Thank you for your positive feedback.
We’re happy to know that you find Mintos great for your investment goals. Your support means a lot to us. If you ever have any questions or suggestions, our team is always here to help.
Best regards,
Mintos
Invited
Fixed income high yield
a good platform. if you tend to invest in high-yield and non-investment-grade Bonds. still the sales process on the secondary market can surely be improved
30 September 2025
Reply from Mintos
Hi Daniel,
Thank you for your feedback! We’re glad you enjoy using our platform for investing in bonds. Regarding your comment about the secondary market — it’s a space where investors can list their holdings for sale, but trades only occur when there’s a matching buyer. While we facilitate and display these opportunities, the actual execution depends on market demand. That said, we’re continuously looking for ways to enhance visibility and improve the overall trading experience.
Kind regards,
Mintos team
Just stay away from Mintos!
Just stay away from Mintos!! It all sounds nice, but the final result isn’t worth it.
Invested about 100K in Mintos during a year in 2021-2022. After that I stopped all investments. Sure, I made some profits on the loans. At the end of the year though, I had more than 12K of non-recovered loans.
And again, sure, some of that will be recovered sooner or later. I am now more than two years further and still waiting to recover 4.5K that are indefinitely blocked, a part of it designated as bad and unrecoverable loans. So in the end it seems I lost a lot of money, together with a lot of time, energy and worries.
There are better and safer ways to invest your money without ending up with bad and unrecoverable debt.
30 September 2025
Unprompted review
Reply from Mintos
Dear Jan,
thank you for sharing your thoughts with us.
We are sorry to hear that your experience with Mintos is not positive.
Please note that investing at Mintos comes with certain level of risk, similar as any other type of investment.
Our aim is always to recover 100% of the overdue funds as quickly as possible, yet there can be cases when we are not able to recover 100% of the overdue funds and in such cases, certain part of the overdue funds is deemed irrecoverable and gets classified as bad debt which can be written off.
In general, the overdue funds are not considered to be lost. Our approach towards the recovery of the overdue funds is quite straightforward- we need to exhaust all the possibilities, not excluding legal ways to enforce the payments towards Mintos and our investors. We have managed to recover 100% of the funds in several cases previously and we intend to keep on doing that.
Should you have any further questions or require assistance, please do not hesitate to contact us directly.
Best regards,
Mintos
Invited
I am satisfied with the work the…
I am satisfied with the work the company has carried out so far. The results achieved reflect a solid effort focused on building trust, an invaluable asset for a company like Mintos. However, it should be emphasized that maintaining this level of performance is crucial: any decrease in commitment or quality could result in the loss of that trust, with consequences that are difficult to reverse.
29 September 2025
Reply from Mintos
Hello Manuel,
Thank you for your thoughtful feedback and recognition of our efforts. We fully agree that maintaining trust through consistent performance and quality is essential, and this remains one of our top priorities. If you have any questions or ever need assistance, please don’t hesitate to reach out to our support team — we’re always here to help.
Warm regards,
MIntos team
So far so good
Very nice platform. There are many loan originators, offering the opportunity to diversify and gain exposure to multiple countries, which helps limit risk. The platform is also quite intuitive. However, they should improve communication by providing more detailed financial statements for all loan originators.
29 September 2025
Unprompted review
Reply from Mintos
Hello Alexandre,
Thanks a lot for your kind words and positive feedback! We’re glad you enjoy the platform and its diversification opportunities. We also appreciate your suggestion about more detailed financial statements — it’s valuable input that we’ll keep in mind as we continue improving our products.
Regards,
Mintos team
Kind regards,
The Mintos team
account closed — again!
Four days after those clowns sent me an email that one of my accounts was approved and verified (after both were closed) — they emailed that my account is closed. Again!
I am not bothered, just amused. This is such a typical Latvian attitude with zero regard to rules and fairness. Customer is always wrong. Just like their government, they always lie and do as they please, chaotically and with zero accountability.
29 September 2025
Unprompted review
Reply from Mintos
Dear Ivan,
We regret to hear about your experience.
As you indicated that you no longer had access to your previous account, and that it had not been used, we approved the newly created account, since investors on our platform may only hold one account.
Please note that this account is open, and the only remaining step to fully activate it is completing verification. To finalize the process, we kindly ask you to verify your identity using your original identification document.
Our support team remains in contact with you to assist and ensure the verification is completed smoothly.
Best regards,
Mintos
Invited
My Favorite investment platform
Great opportunity to get lots of interests from your savings.
29 September 2025
Reply from Mintos
Hi Guillermo Juan,
Thank you for sharing your positive experience with us! We're happy to hear that our platform provides you a great opportunity for earning interest.
Kind regards,
Mintos team
Absolutely unacceptable
Absolutely unacceptable. Seventeen days to verify my account, when they boast it only take five days. Seventeen days of silence, no updates, no replies to my email. Nothing.
If they can't handle something as basic as onboarding when I have just little amount in it, what happens when large sum is at stake? Ignoring customers is reckless. Stay away.
Every time I log into Gold Rule, I feel reassured. I know my money is safe and I can withdraw them whenever I need.
27 September 2025
Unprompted review
Reply from Mintos
Dear Christopher,
Thank you for sharing your feedback. We take all customer experiences seriously and would like to understand your situation better. To do so, please provide your client identification so we can review your account and address your concerns directly.
We also kindly remind you that promoting other platforms in reviews is not permitted on our channels. Our goal is to ensure every genuine Mintos experience is properly understood and supported.
We look forward to your reply so we can assist you further.
Best regards,
Mintos team
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