In brief:<\/strong><\/p>\n Mintos is one of the leading platforms for loan investments in Europe<\/strong>. The company, which launched in 2015 as a marketplace for loan investments, now manages over \u20ac800 million in assets belonging to more than 600,000 registered users<\/strong>.<\/p>\n\n\n\n Since its launch in 2015, loans on Mintos have yielded an average net return of 8.8%<\/strong> for investors.<\/p>\n\n\n\n With Bondora\u2019s 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<\/strong> currently earn 6% interest<\/strong> per year.<\/p>\n\n\n\n I have gained experience with both Mintos<\/a> and Bondora<\/a> and have invested a total of just under \u20ac20,000 across both platforms.<\/p>\n\n\n My investment of around \u20ac8,000 on Mintos has already earned me \u20ac157.06 in interest<\/strong> so far in 2026. With Bondora, I have earned \u20ac136.27 over the first three months of this year, broken down as follows:<\/p>\n\n\n\n Bondora<\/strong> is particularly popular with investors thanks to its simplicity and daily payouts<\/strong>, whilst Mintos stands out for its generally higher interest rates and broader diversification.<\/p>\n\n\n\n We\u2019ll 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.<\/p>\n\n\n\n As mentioned earlier, Mintos is particularly appealing to yield-oriented investors who are prepared to accept a slightly higher level of risk. On Mintos<\/strong>, investors currently receive an average interest rate of 10.84%<\/strong>. The historical average since 2015 is also certainly impressive at 8.8%.<\/p>\n\n\n\n I am very pleased with the interest I received last year. My internal rate of return came in at a solid 11.63%.<\/p>\n\n\n With Go & Grow, investors currently receive 6% interest. The coronavirus pandemic led to fluctuating deposit limits<\/strong> at Bondora, which were initially set at \u20ac400 and subsequently at \u20ac1,000 per month. Investors wishing to deposit more than this amount were only offered 4% interest.<\/p>\n\n\n\n In April 2025, this system was finally abolished and, at the same time, the interest rate fell from 6.75% to 6%<\/strong>. This interest rate remains in place to this day.<\/p>\n\n\n 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<\/strong>.<\/p>\n\n\n\n Good to know: <\/strong><\/p> \n Loan originators are external lending companies from various countries that finance their loans through Mintos.<\/p> \n<\/div><\/div><\/div>\n\n\n\n Lending through external lending platforms can present opportunities, but also carries risks \u2013 particularly in times of crisis such as the coronavirus pandemic, which we will discuss in more detail below.<\/p>\n\n\n\n Go & Grow<\/strong> helps to mitigate these risks, leading to greater stability<\/strong> on the platform. For investors who take a more conservative approach, Go & Grow may therefore be a more suitable option.<\/p>\n\n\n\n Both Bondora and Mintos are affected by current geopolitical tensions<\/strong>, 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.<\/p>\n\n\n\n Consequently, the Federal Reserve and the European Central Bank could raise key interest rates<\/strong>, 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.<\/p>\n\n\n\n\n
Mintos vs. Bondora: How well do the platforms perform?<\/h2>\n\n\n\n
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Month<\/strong><\/strong><\/td> Mintos<\/strong><\/td> Bondora (Go & Grow)<\/strong><\/td><\/tr> January<\/td> 17,46 \u20ac<\/td> 46,70 \u20ac<\/td><\/tr> February<\/td> 61,66 \u20ac<\/td> 41,06 \u20ac<\/td><\/tr> March<\/td> 77,94 \u20ac<\/td> 48,51 \u20ac<\/td><\/tr> Total<\/strong><\/td> 157,06 \u20ac<\/strong><\/td> 136,27 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table> Criterion<\/strong><\/strong><\/td> Bondora (Go & Grow)<\/strong><\/td> Mintos<\/strong><\/td><\/tr> Platform launch<\/strong><\/strong><\/td> 2008 (Bondora)<\/td> 2015<\/td><\/tr> Company<\/strong><\/strong><\/td> Bondora AS<\/td> AS Mintos Marketplace<\/td><\/tr> Head office<\/strong><\/strong><\/td> Estonia<\/td> Latvia<\/td><\/tr> Types of loan<\/strong><\/strong><\/td> Consumer loans<\/td> Consumer, car, business, property loans and more<\/td><\/tr> Investors<\/strong><\/strong><\/strong><\/td> 511.513 <\/td> 600.000+ <\/td><\/tr> Target group<\/strong><\/strong><\/td> Beginners & passive investors<\/td> Yield-oriented investors<\/td><\/tr> Yield (current)<\/strong><\/strong><\/td> approx. 6% p.a.<\/td> approx. 9\u201312% p.a.<\/td><\/tr> Interest credited<\/strong><\/strong><\/td> daily<\/td> depending on the loan<\/td><\/tr> Liquidity<\/strong><\/strong><\/td> at any time (theoretically immediately)<\/td> medium<\/td><\/tr> Minimum investment<\/strong><\/strong><\/td> from 1 \u20ac<\/td> from 50 \u20ac<\/td><\/tr> Fees<\/strong><\/strong><\/td> none (\u20ac1 withdrawal fee)<\/td> depending on the product (see below)<\/td><\/tr> Key features<\/strong><\/strong><\/td> Simplicity & liquidity<\/td> Diversification & high returns<\/td><\/tr><\/tbody><\/table> Comparison 1: Mintos vs. Bondora \u2013 Interest Rates<\/h3>\n\n\n\n
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