Mintos vs. Bondora: The big comparison 2026
Investors on Go & Grow receive 6% interest, whilst Mintos currently offers its investors 10.84% per annum. On both platforms, investors put their money into loans from Europe. However, there are some key differences between Go & Grow and Mintos that investors should consider before choosing the right platform. In today’s post, we’ll take a detailed look at both platforms and explain when each one is the best choice for you as an investor.
In brief:
- Mintos attracts attention with its high returns, whilst Bondora scores points for security and simplicity.
- The greater diversification on Mintos broadens the range of options available to investors, but also requires a greater level of investment expertise.
- Bondora has managed to strengthen its investors’ confidence despite various crises, whilst Mintos will have to prove itself even more in the future.
- Whether Mintos or Bondora is the right choice depends largely on the type of investor – risk-seeking versus conservative.
Mintos vs. Bondora: How well do the platforms perform?
Mintos is one of the leading platforms for loan investments in Europe. The company, which launched in 2015 as a marketplace for loan investments, now manages over €800 million in assets belonging to more than 600,000 registered users.
Since its launch in 2015, loans on Mintos have yielded an average net return of 8.8% for investors.
With Bondora’s Go & Grow, users also have the opportunity to invest in loans from the Bondora Group. The platform first launched in 2008, where its over 500,000 users currently earn 6% interest per year.
I have gained experience with both Mintos and Bondora and have invested a total of just under €20,000 across both platforms.
My investment of around €8,000 on Mintos has already earned me €157.06 in interest so far in 2026. With Bondora, I have earned €136.27 over the first three months of this year, broken down as follows:
| Month | Mintos | Bondora (Go & Grow) |
| January | 17,46 € | 46,70 € |
| February | 61,66 € | 41,06 € |
| March | 77,94 € | 48,51 € |
| Total | 157,06 € | 136,27 € |
Bondora is particularly popular with investors thanks to its simplicity and daily payouts, whilst Mintos stands out for its generally higher interest rates and broader diversification.
We’ll take a closer look at interest rates, liquidity and fees later on. However, the table below gives you an initial overview of the key differences between the two platforms.
| Criterion | Bondora (Go & Grow) | Mintos |
| Platform launch | 2008 (Bondora) | 2015 |
| Company | Bondora AS | AS Mintos Marketplace |
| Head office | Estonia | Latvia |
| Types of loan | Consumer loans | Consumer, car, business, property loans and more |
| Investors | 511.513 | 600.000+ |
| Target group | Beginners & passive investors | Yield-oriented investors |
| Yield (current) | approx. 6% p.a. | approx. 9–12% p.a. |
| Interest credited | daily | depending on the loan |
| Liquidity | at any time (theoretically immediately) | medium |
| Minimum investment | from 1 € | from 50 € |
| Fees | none (€1 withdrawal fee) | depending on the product (see below) |
| Key features | Simplicity & liquidity | Diversification & high returns |
Comparison 1: Mintos vs. Bondora – Interest Rates
As mentioned earlier, Mintos is particularly appealing to yield-oriented investors who are prepared to accept a slightly higher level of risk. On Mintos, investors currently receive an average interest rate of 10.84%. The historical average since 2015 is also certainly impressive at 8.8%.
I am very pleased with the interest I received last year. My internal rate of return came in at a solid 11.63%.
With Go & Grow, investors currently receive 6% interest. The coronavirus pandemic led to fluctuating deposit limits at Bondora, which were initially set at €400 and subsequently at €1,000 per month. Investors wishing to deposit more than this amount were only offered 4% interest.
In April 2025, this system was finally abolished and, at the same time, the interest rate fell from 6.75% to 6%. This interest rate remains in place to this day.
The significantly higher interest rate at which investors can grow their money on Mintos also comes with a higher level of risk. This is because, whilst Bondora relies on loans from its own loan portfolio, Mintos works with so-called loan originators.
Good to know:
Loan originators are external lending companies from various countries that finance their loans through Mintos.
Lending through external lending platforms can present opportunities, but also carries risks – particularly in times of crisis such as the coronavirus pandemic, which we will discuss in more detail below.
Go & Grow helps to mitigate these risks, leading to greater stability on the platform. For investors who take a more conservative approach, Go & Grow may therefore be a more suitable option.
Both Bondora and Mintos are affected by current geopolitical tensions, such as those surrounding the war in Iran, which could cause inflation in the US, Europe and the rest of the world to rise more sharply once again.
Consequently, the Federal Reserve and the European Central Bank could raise key interest rates, potentially heralding the next shift in interest rates. It then remains to be seen whether Bondora and Mintos will pass these higher interest rates on to their customers.
Comparison 2: Mintos vs. Bondora – Liquidity
Another key difference when comparing Mintos and Bondora is liquidity. And in this respect, Bondora comes out on top. This is because: Go & Grow is now one of the most liquid P2P lending platforms in the world.
Investors can usually withdraw their capital within a few seconds to a few hours. For this reason, many investors now use Bondora in part as an interest-bearing instant access savings account.
With Mintos, however, the situation is somewhat different. Faster liquidity is only possible with certain Mintos products such as Core Loans or via the secondary market. Loans with a total value of 462 million euros have already been sold via the secondary market.
Liquidity on Mintos also depends on:
- which loans have been purchased
- the terms of the loans
- whether the borrower makes payments on time
In times of crisis, such as those we have experienced on several occasions in recent years, investors may find themselves waiting several months for their funds to be paid out. For me, therefore, Mintos is the better Bondora alternative, particularly as a long-term component for building returns.
Investors who rely on short-term reserves, flexible capital and predictable cash flows will find better conditions on Bondora.
Comparison 3: Mintos vs. Bondora – Risk & Security
When investing in loans, the risk and security mechanisms of the platforms play a particularly important role. Although both Mintos and Bondora enable investment in consumer loans, the risks for investors differ significantly.
Due to its longer history since 2008, Bondora has already successfully weathered several volatile market phases.
The most relevant market phases include:
- Global financial crisis 2008/2009
- European debt crisis 2011–2013
- ECB’s low-interest-rate phase between 2014 and 2021
- COVID-19 pandemic 2020
- Sharp rise in interest rates since 2022
- Various economic and geopolitical market phases
This resilience, even during difficult market phases, strengthens investor confidence in Bondora and its Go & Grow platform. Nevertheless, it must be emphasised here too that loans can default at any time.
This is because: although Bondora is currently interested in obtaining a banking licence, it does not yet hold one at this stage. This means that Bondora does not have a traditional deposit guarantee scheme either.
Mintos has been active since 2015 and was therefore spared the financial crisis. However, its performance during the 2020 coronavirus pandemic shows that Mintos still has to prove itself in terms of crisis resilience.
Mintos’s biggest problems during the pandemic:
- Payment suspensions
- frozen funds
- lengthy recovery processes
- in some cases, significant delays
For investors looking to reduce their risk and increase their stability, Mintos is probably not the first choice. However, for those who believe that the biggest geopolitical crises are now behind us and that we are slowly returning to
Good to know:
There is also a continuing credit and platform risk with Bondora. Investors are ultimately investing in consumer loans, which could default at any time.
Comparison 4: Mintos vs. Bondora – Diversification
Another key point in the comparison between Mintos and Bondora is the issue of diversification. Whilst Mintos lags behind Bondora in terms of liquidity and risk, the platform scores highly when it comes to the spread of its loans and investment types.
Mintos offers investors access to:
- numerous countries
- various loan types
- dozens of lenders
- various investment types such as ETFs, bonds, property and crypto
Diversification at Mintos is therefore significantly greater than at Bondora, which primarily benefits investors who wish to spread their investments as widely as possible.
However, the greater diversification on Mintos can also be a disadvantage for some investors. In particular, those who prefer simplicity. This is because the broader spread means that several factors must be assessed when selecting loans.
Assessment of the following factors when selecting loans on Mintos:
- Loans
- Lenders
- Lenders’ profitability
- Countries of origin
- Regulatory risks
- In some cases, currency risks
Investors who already have investment experience may prefer the wider selection available on Mintos. For beginners and anyone looking for a less time-consuming way to choose the right investment, Bondora’s Go & Grow is likely to be the more attractive option.
Comparison 5: Mintos vs. Bondora: Products & Features
When it comes to the products and features in the Mintos vs. Bondora comparison, there are a few key points worth highlighting for both platforms.
Bondora, or rather Go & Grow, has recently launched an exciting new feature: the Goals feature.
The Goals feature allows investors to better organise their money and build wealth in a targeted manner. Specifically, it enables users to set various savings goals, name them individually and track their progress at any time.
Possible goals include, for example:
- Holidays
- Emergency fund
- New car
- Long-term wealth building
The invested funds continue to generate the current return of around 6% per year – regardless of how many goals are set.
What sets Mintos apart, however, is primarily the platform’s extensive range of products. In addition to traditional loans, investors can now also invest in:
- bonds
- ETFs
- property
- and crypto
.
In addition, Mintos offers another interesting feature called “Smart Cash”. With this, funds are invested via a money market fund, allowing investors to earn interest at a relatively low level of risk 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, offering investors the opportunity to earn regular interest income. Investments are primarily made in safe, short-term financial instruments such as bank deposits or government bonds.
Mintos therefore takes a significantly broader, but also more complex, approach than Bondora. For investors who wish to benefit from a wider range of investment opportunities and features, Mintos is therefore likely to be the more appealing option.
Comparison 6: Mintos vs. Bondora – Fees
Last but not least, let’s take a look at the fees charged by both platforms.
As with the comparison of diversification, it can be said that Bondora Go & Grow is the simpler platform – including when it comes to fees.
Go & Grow investors pay no account management, investment or portfolio fees. A fee of €1 is charged only for withdrawals, regardless of the amount.
While withdrawals on Mintos are free, various fees apply to specific products and services, which require much closer attention when considering them.
In the table below, we have listed the different types of fees and their amounts to give you a complete overview.
| Type of fee | Bondora (Go & Grow) | Mintos |
| Opening an account | free of charge | free of charge |
| Account management | free of charge | free of charge |
| Deposit via bank transfer | free of charge | free of charge |
| Withdrawal | approx. €1 fee | free of charge |
| Investing in loans | free of charge | free of charge |
| Auto-Invest / portfolio fees | none | 0,29-0,39 % p.a. |
| Secondary market | missing | 0.85% selling fee |
| Currency conversion | not applicable (EUR) | from 0,5 % |
| Credit card deposits | not common | 2 % |
| Inactivity fee | none | 4,90 € per month |
| Transparency | very high | medium |
| Fee complexity | very simple | significantly more complex |
Is Mintos or Bondora the better choice for you?
There is no one-size-fits-all answer to whether Mintos or Bondora is the better option for you. Various factors, such as expected returns, risk, liquidity and investment expertise, play a key role in choosing the right platform.
The table below provides an overview of the key differences between the two platforms and is designed to help you choose the one that suits you best.
| Criterion | Bondora (Go & Grow) | Mintos | Who are they best suited for? |
| Interest rates | approx. 6% p.a. | approx. 9–12% p.a. | Mintos for yield-oriented investors |
| Liquidity | very high, withdrawals usually possible immediately | medium, depending on terms & secondary market | Bondora for flexible investors |
| Risk & Security | Relatively stable, long track record since 2008, simple model | Higher risk due to borrower, country and platform risks | Bondora for security-conscious investors |
| Diversification | Focus on own loan portfolio | Broad diversification across countries, borrowers & loan types | Mintos for those who value diversification |
| Usability | Very user- & beginner-friendly | Significantly more complex | Bondora for beginners |
| Products & Features | Goal-setting feature for personalised targets | Various investment products such as ETFs, bonds, property & crypto. Smart Cash & Auto-Invest | Bondora for simplicity, Mintos for more features & control |
| Regulation | Estonian regulation | MiFID II-regulated | Slight advantage to Mintos |
| Loan types | Mainly consumer loans | Consumer, car, property & business loans, etc. | Mintos |
| Cash flow stability | Highly predictable | with some volatility | Bondora |
| Potential returns long-term | solid, but limited | higher growth potential | Mintos |
| Resilience | Has weathered the coronavirus pandemic and various market phases well | some issues with individual loan originators | Bondora |
| Effort required by investors | minimal | Slightly higher due to portfolio management | Bondora |
| Suitable for | passive investors & beginners | experienced & yield-oriented investors | depending on the type of investor |
Table: Mintos vs. Go & Grow – a comparison
In summary:
- Mintos is suitable for experienced investors who are willing to accept a higher risk in exchange for a higher return and do not need immediate access to their capital.
- Bondora is suitable for beginners who prefer a low-effort approach to investing, are more risk-averse and are therefore content with a lower return.
Conclusion: Mintos vs. Bondora – it depends heavily on the type of investor
At first glance, Mintos appears to be the significantly more attractive platform – offering higher interest rates alongside a wider selection of loans and investment options. However, these advantages also have their downsides. Whilst investors can achieve higher returns on Mintos, they have to settle for lower liquidity.
Furthermore, the greater diversification requires a certain level of investment experience. For those willing to accept this, Mintos can certainly be worthwhile. For investors who value simplicity and seek greater security, Go & Grow is likely the more attractive choice. Having been in existence for longer, the platform has already successfully weathered several market phases, thereby strengthening investor confidence.
Ultimately, however, it depends very much on what sort of investor you are – conservative, or perhaps a bit more risk-tolerant in the hope of higher returns? The comparison between Mintos and Bondora already reveals clear differences, but are P2P loans even worth it in a high-inflation environment?
FAQ – Frequently asked questions about Mintos vs Bondora
