Mintos Bonus 2026: Get your €25 starting credit now!
If you haven’t yet registered with Mintos, you can, amongst other things, claim an attractive sign-up bonus of €25. To do so, use my exclusive Northern Finance link and secure your sign-up bonus by making a minimum investment of €1,500 within the first 30 days of registration.
As well as traditional referral programmes, Mintos also offers various cashback promotions that can generate additional returns. In this article, we’ll outline the key bonus programmes, their terms and conditions, and share my personal experiences from several years of using the platform.
My experience with Mintos: 11.63% annual return
I’ve been investing with Mintos for several years now and have since grown my portfolio to over €8,000.
With my current investment, I earned €157.06 in interest in the first quarter of 2026. The table below shows you the exact breakdown.
| Month | Mintos |
| Januray | 17,46 € |
| February | 61,66 € |
| March | 77,94 € |
| Total | 157,06 € |
I’m also quite satisfied with my performance from last year. My internal rate of return stood at 11.63% in 2025, which is perfectly within the 9–12% range that investors can currently achieve on Mintos.
What I particularly like about Mintos is the wide range of investment options available to investors. The platform offers investors access to various markets and lenders, as well as investments in other asset classes such as ETFs and bonds, in addition to P2P loans – which we’ll discuss in more detail below.
This makes Mintos an attractive option for anyone looking to diversify their portfolio and thus make it more robust.
What makes Mintos a unique platform?
Mintos is one of the largest P2P lending platforms in Europe; it has been in operation since 2015 and now manages over 600,000 investors. A key feature of the platform is its size and the variety of products on offer.
We have summarised the key features for you in the table below:
| Criterion | Mintos |
| Launch of the platform | 2015 |
| Company | AS Mintos Marketplace |
| Head office | Riga, Latvia |
| Types of loan | Consumer, car, business and property loans, and more |
| Investors | 600.000+ |
| Target audience | income-oriented investors |
| Yield (current) | approx. 9–12% p.a. |
| Minimum investment | from 50 € |
| Auto-Invest | Yes |
| Secondary market | Yes |
| Bonus programs | €25 when you sign up |
| Rating | See our latestP2P lending ranking |
| Experience report | Read all about my experiences with Mintos |
Asset class 1: Loans
Mintos is primarily known for its P2P loans and is supervised by the Latvian Central Bank. Investors invest in regulated, loan-backed securities, known as ABS (Asset-Backed Securities). This involves bundling several loans together and offering them as tradable financial products.
Investments can be broadly diversified across various sectors, markets and lenders.
The types of loans include:
- Business loans
- Agricultural loans
- Car loans
- Pawnbroking loans
- Mortgage loans
Asset Class 2: Bonds
Mintos enables its investors to invest in corporate bonds from as little as €50. There are currently over 50 issuers listed on the platform, which are designed to provide a predictable income and a more stable portfolio.
Mintos offers two types of bond investment:
- Investors can either invest directly in bonds and receive coupon payments from the issuer.
- Alternatively, Mintos also offers bond-backed securities, whereby a special purpose vehicle within the Mintos Group holds the underlying bond and passes the returns on to investors.
Asset class 3: Property
Investors can invest in rental residential properties on Mintos from as little as €50, thereby further diversifying their portfolio.
This form of investment is described as passive property investment, as investors are not involved in the management of the property.
Asset class 4: ETFs, crypto and shares
In addition to loans and bonds, Mintos is increasingly expanding its offering towards that of a traditional investment platform. This gives investors access to ETFs, cryptocurrencies and, in future, shares as well.
As a result, Mintos is increasingly evolving into a multi-asset platform for various investment strategies.
Asset class 5: Smart Cash
In addition to asset classes such as loans and ETFs, Mintos offers another exciting asset class in the form of ‘Smart Cash’.
Here, the money is invested via a money market fund, enabling investors to currently earn relatively low-risk interest income whilst retaining flexible access to their capital.
Good to know:
Money market funds are regarded as a relatively low-risk and highly liquid form of investment, enabling investors to generate regular interest income. Investments are made primarily in safe, short-term financial instruments such as bank deposits or government bonds.
Functions & Features
In addition to the Mintos Bonus, the platform offers several functions and features that are relevant to investors.
In this section, we’ll focus on:
- Auto-Invest
- Automated portfolios
- Secondary market
- Invest in bonds from as little as €50
Feature 1: Auto-Invest
The Auto-Invest feature is primarily aimed at investors who wish to invest as passively as possible and do not want to spend much time on the platform.
The way it works is simple: rather than selecting each loan manually, you define specific criteria based on which Mintos invests on your behalf.
Possible Auto-Invest criteria:
- Asset class
- Interest rate
- Term
- Risk level
- Markets
- Lenders
The Auto-Invest feature saves you a lot of time and ensures that you only make investments that match your parameters
Good to know:
If you want to diversify your portfolio as widely as possible, you should take care not to set your Auto-Invest parameters too narrowly, as this would restrict your investment opportunities too much.
Feature 2: Automated portfolios
Mintos’ automated portfolios also allow you to invest automatically in portfolios with different return and risk profiles, which handle the selection, diversification and reinvestment entirely for you.
In the loans sector, the Core Loans Portfolio is available for a straightforward entry point with broad diversification (currently approx. 9.3% p.a.), as well as the Custom Loans Portfolio, which allows you to customise the term, risk and diversification to suit your individual needs.
For bonds, there is the High Yield Bonds Portfolio, which invests in high-yield corporate bonds currently offering around 8.78% p.a. and is aimed at yield-oriented investors.
For private accounts, Mintos sets an individual investment limit for automated portfolios, based on your investment objectives and your assets. Once this amount is reached, the portfolios automatically stop making new investments and only resume once your invested amount has decreased due to repayments.
One advantage of all portfolios is the automatic reinvestment mechanism, through which interest and repayments are reinvested directly, allowing you to benefit from the power of compound interest without any active intervention.
Compared to Auto-Invest, the automated portfolios are even simpler and more standardised, which makes this feature particularly attractive to beginners and passive investors.
Feature 3: Secondary market
With the secondary market, Mintos provides greater flexibility in its investors’ portfolios.
If you wish to sell your loan before the end of its term, you can use the secondary market for this purpose. Whilst a sale via this market is not guaranteed, it certainly increases the likelihood of an early purchase by other investors.
During quiet market periods, it can be significantly more difficult to sell your loans via the secondary market. For this reason, it should never be regarded as a guaranteed exit strategy.
Furthermore, loans sold via the secondary market cannot always be sold at their original value. The price depends heavily on demand, which is why there may be discounts when demand is low, but also premiums when demand is high.
Feature 4: Invest in bonds from as little as €50
Investing in bonds is normally reserved for institutional investors or investors who make a minimum investment in the five-figure range.
This means that even smaller investors on Mintos gain access to the bond market and can diversify their investments across different countries and sectors.
An overview of Mintos’ past bonus programmes
Anyone who has ever looked into the P2P lending platform Mintos will probably have quickly come across the various bonus programmes that the provider advertises.
These programmes offer both unregistered users and existing investors the chance to earn extra money. It is important to understand which promotions are ongoing and which are time-limited, as well as who each campaign is aimed at – new users or existing investors.
The table below outlines the key differences in Mintos’ bonus structure.
| Characteristic | Ongoing campaigns | Last-minute offers |
| Sample programme | Affiliate campaign | WEALTH26THINK2027 Cashback Promotions |
| Objective | Ongoing customer acquisition | Rapid growth and marketing benefits |
| Target audience | New users & community traffic | New and, in some cases, existing investors |
| Planning certainty | High | Low |
| Frequency of changes | Quite rare | Very common |
| Participation via | Promo codes or referral links | Special campaign pages |
| Availability | Available all year round | Only within a fixed period |
In the following chapters, we’ll introduce the most important Mintos bonus programmes and show you how you, as a new customer, can benefit from them.
Mintos Bonus 1: Get €25 with the affiliate campaign
One of the best-known and most important Mintos bonus programmes is the affiliate campaign. The campaign is designed to attract new customers and is therefore aimed at users who have not yet registered.
Under this model, Mintos works with its affiliate partners, who provide their community with personalised promo codes.
Common Mintos affiliate partners:
- Finance blogs
- Influencers
- Cashback sites
- Comparison sites
Sign up via my Northern Finance link to claim your €25 welcome bonus today.
Like any bonus scheme, the affiliate campaign is subject to certain conditions, which you should be sure to take into account before you start investing.
The conditions:
- You must register via an official affiliate or partner link.
- The minimum investment of €1,500 must be made within the first 30 days of registration.
- The invested amount of at least €1,500 must then remain on the platform for at least 90 days.
Good to know:
This offer cannot be combined with the ‘Refer a Friend’ scheme or any other bonus codes.
Your €25 Mintos bonus will usually be credited to your account within 5 working days after the 90-day lock-up period has expired.
Mintos Bonus 2: Cashback promotions
In addition to ongoing campaigns such as the affiliate programme, Mintos also runs regular cashback promotions.
The cashback programme is available to all registered Mintos users and usually runs for just a few weeks. Investors receive bonus payments, which typically range between 0.5% and 1.0% of the amount invested. This is where the advantage lies: investors who invest larger sums earn more money.
Other cashback promotions, on the other hand, promise a fixed amount once a certain investment threshold is reached. For example, under the current cashback promotion, investors receive €25 on an investment of €500.
Important to note:
- Not all investment opportunities are eligible for cashback
- Minimum holding periods and minimum investment amounts often apply
- Some cashback promotions are only valid for certain countries
- Participation in a cashback promotion requires registration. Only investments made after successful registration for the cashback promotion are eligible for the cashback
Once you have successfully taken part in the promotion, the cashback bonus will be credited to your Mintos account.
Mintos Bonus 3: Past promotions
Investors can regularly take part in short-term bonus promotions on Mintos, such as the recent WEALTH26 and THINK2027 promotions.
In the WEALTH26 promotion, investors were able to secure a cash bonus of up to €500. The campaign was aimed at new investors who opened their Mintos account using the WEALTH promo code.
| The amount invested | Fixed bonus |
| More than 1.500 € | 20 € |
| More than 2.500 € | 35 € |
| More than 5.000 € | 75 € |
| More than 10.000 € | 175 € |
| More than 25.000 € | 500 € |
WEALTH26 Terms and Conditions:
- Exclusively for new investors resident in an EEA country
- Registration must be made using the promo code “WEALTH26”
- Investments in the following are eligible for the promotion:
- Loans
- Bonds
- Property
- ETFs
- Cryptocurrencies
- Investments in Smart Cash are excluded from the promotion
- All qualifying investments must have been fully executed by 30 April 2026 at the latest
- The invested amount must be held on the platform until 31 July 2026
- Withdrawals or a reduction in the qualifying investment volume are not permitted during the holding period
The THINK2027 campaign, like the WEALTH26 campaign, was staggered and enabled investors to earn up to €500. It was also aimed at new investors who did not yet have a Mintos account.
| Outstanding investments in loan principal amounts | Fixed bonus |
| More than 1.500 € | 20 € |
| More than 2.500 € | 35 € |
| More than 5.000 € | 75 € |
| More than 10.000 € | 175 € |
| More than 25.000 € | 500 € |
THINK2027 Terms and Conditions:
- The bonus offer is provided via email, directly on the Mintos platform or through an active Mintos affiliate partner
- Registration with Mintos must be completed using the promo code “THINK2027”
- The registration process must be started on or after 17 December 2025
- Only users who have not held a Mintos account within the 12 months prior to the start of the promotion are eligible to participate
- Registration must be completed in full
- In addition, qualifying investments must be made during the promotional period from 17 December 2025 to 31 January 2026
- Investments in the following qualify for the promotion:
- Loans
- Bonds
- Property
- ETFs
- Investments in Smart Cash are excluded from the promotion
Which Mintos bonus offers the best value?
Which Mintos bonus makes the most sense for you depends on various factors. Arguably the most important factor is the investment amount. If you plan to start with only small sums to get used to the platform first, referral links such as those offered through the affiliate campaign are likely to be the most attractive option for you.
With these, as a new customer, you’ll often receive a starting credit of €25. Use the exclusive Northern Finance link to secure your €25 today.
For larger investment amounts, bonus structures such as those in the THINK2027 campaign become significantly more attractive. Here, you can quickly secure a three-figure Mintos bonus.
The cashback promotions are also very worthwhile in this case, as the bonus here is often between 0.5% and 1.0% of the amount invested.
With these bonus programmes, you have the chance to improve your annual return. However, it’s important to start investing first and gain some initial experience with P2P lending platforms.
When investing in P2P loans, always pay attention to:
- Lender quality
- Diversification
- Redemption structure
- Liquidity
- Platform stability
Conclusion: Is the Mintos bonus worth it for you?
Mintos bonus programmes are an attractive way to improve your annual return. For new customers, it’s worth signing up via an affiliate link, which secures a starting balance of €25.
Anyone planning to invest larger sums can also benefit from the Mintos bonus structure, which has been available in past campaigns such as THINK2027. Depending on the investment amount, investors had the opportunity to secure a three-figure Mintos bonus.
Money can also be earned through the various cashback promotions. Compared to the long-term affiliate campaign, these usually last only a few weeks and are therefore time-limited. If you’re thinking of getting started on Mintos, you can use our exclusive Northern Finance link and secure a €25 starting balance today.
If you’d like to know more about P2P lending, there’s another platform called VIAINVEST that might interest you. Take a look at my VIAINVEST review to find out more.
FAQ: Which Mintos bonus is the best?
