{"id":299607,"date":"2026-06-10T08:54:00","date_gmt":"2026-06-10T08:54:00","guid":{"rendered":"https:\/\/northern.finance\/uncategorized\/mintos-bonus-for-investments\/"},"modified":"2026-06-23T11:52:04","modified_gmt":"2026-06-23T11:52:04","slug":"mintos-bonus","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/bonus\/mintos-bonus\/","title":{"rendered":"Mintos Bonus 2026: Get your \u20ac25 starting credit now!"},"content":{"rendered":"\n

If you haven\u2019t yet registered with Mintos, you can, amongst other things, claim an attractive sign-up bonus of \u20ac25<\/strong>. To do so, use my exclusive Northern Finance link<\/a> and secure your sign-up bonus by making a minimum investment of \u20ac1,500 within the first 30 days of registration.<\/p>\n\n\n\n

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As well as traditional referral programmes, Mintos also offers various cashback promotions that can generate additional returns. In this article, we\u2019ll outline the key bonus programmes, their terms and conditions, and share my personal experiences from several years of using the platform.<\/p>\n\n\n\n

My experience with Mintos: 11.63% annual return<\/h2>\n\n\n\n

I\u2019ve been investing with Mintos for several years now and have since grown my portfolio to over \u20ac8,000<\/strong>.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

With my current investment, I earned \u20ac157.06 in interest<\/strong> in the first quarter of 2026. The table below shows you the exact breakdown.<\/span><\/p>\n\n\n\n

Month<\/strong><\/td>Mintos<\/strong><\/td><\/tr>
Januray<\/td>17,46 \u20ac<\/td><\/tr>
February<\/td>61,66 \u20ac<\/td><\/tr>
March<\/td>77,94 \u20ac<\/td><\/tr>
Total<\/strong><\/td>157,06 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

I\u2019m also quite satisfied with my performance from last year. My internal rate of return stood at 11.63% in 2025<\/strong>, which is perfectly within the 9\u201312% range that investors can currently achieve on Mintos.<\/p>\n\n\n

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\"Internal<\/figure>\n<\/div>\n\n\n

What I particularly like about Mintos is the wide range of investment options<\/strong> available to investors. The platform offers investors access to various markets and lenders, as well as investments in other asset classes<\/strong> such as ETFs and bonds, in addition to P2P loans \u2013 which we\u2019ll discuss in more detail below.<\/p>\n\n\n\n

This makes Mintos an attractive option for anyone looking to diversify their portfolio and thus make it more robust.<\/p>\n\n\n\n

What makes Mintos a unique platform?<\/h2>\n\n\n\n

Mintos is one of the largest P2P lending platforms in Europe; it has been in operation since 2015<\/strong> and now manages over 600,000 investors<\/strong>. A key feature of the platform is its size and the variety of products on offer.<\/p>\n\n\n\n

We have summarised the key features for you in the table below:<\/p>\n\n\n\n

Criterion<\/strong><\/strong><\/td>Mintos<\/strong><\/td><\/tr>
Launch of the platform<\/strong><\/strong><\/td>2015<\/td><\/tr>
Company<\/strong><\/strong><\/td>AS Mintos Marketplace<\/td><\/tr>
Head office<\/strong><\/strong><\/td>Riga, Latvia<\/td><\/tr>
Types of loan<\/strong><\/strong><\/td>Consumer, car, business and property loans, and more<\/td><\/tr>
Investors<\/strong><\/strong><\/td>600.000+ <\/td><\/tr>
Target audience<\/strong><\/strong><\/td>income-oriented investors<\/td><\/tr>
Yield (current)<\/strong><\/strong><\/td>approx. 9\u201312% p.a.<\/td><\/tr>
Minimum investment<\/strong><\/strong><\/td>from 50 \u20ac<\/td><\/tr>
Auto-Invest<\/strong><\/td>Yes<\/td><\/tr>
Secondary market<\/strong><\/strong><\/td>Yes<\/td><\/tr>
Bonus programs<\/strong><\/strong><\/strong><\/td>\u20ac25 when you sign up<\/a><\/td><\/tr>
Rating<\/strong><\/td>See our latest<\/a><\/a>P2P lending ranking<\/a><\/td><\/tr>
Experience report<\/strong><\/strong><\/td>Read all about my experiences with Mintos<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Asset class 1: Loans<\/h3>\n\n\n\n

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)<\/strong>. This involves bundling several loans together and offering them as tradable financial products.<\/p>\n\n\n\n

Investments can be broadly diversified across various sectors, markets and lenders<\/strong>.<\/p>\n\n\n\n

The types of loans include:<\/strong><\/p>\n\n\n\n

    \n
  • Business loans<\/li>\n\n\n\n
  • Agricultural loans<\/li>\n\n\n\n
  • Car loans<\/li>\n\n\n\n
  • Pawnbroking loans<\/li>\n\n\n\n
  • Mortgage loans<\/li>\n<\/ul>\n\n\n\n

    Asset Class 2: Bonds<\/h3>\n\n\n\n

    Mintos enables its investors to invest in corporate bonds from as little as \u20ac50<\/strong>. There are currently over 50 issuers<\/strong> listed on the platform, which are designed to provide a predictable income and a more stable portfolio.<\/p>\n\n\n\n

    Mintos offers two types of bond investment:<\/strong><\/p>\n\n\n\n

      \n
    1. Investors can either invest directly in bonds<\/strong> and receive coupon payments from the issuer.<\/li>\n\n\n\n
    2. Alternatively, Mintos also offers bond-backed securities<\/strong>, whereby a special purpose vehicle within the Mintos Group holds the underlying bond and passes the returns on to investors.<\/li>\n<\/ol>\n\n\n\n

      Asset class 3: Property<\/h3>\n\n\n\n

      Investors can invest in rental residential properties on Mintos from as little as \u20ac50<\/strong>, thereby further diversifying their portfolio.<\/p>\n\n\n\n

      This form of investment is described as passive property investment<\/strong>, as investors are not involved in the management of the property.<\/p>\n\n\n\n

      Asset class 4: ETFs, crypto and shares<\/h3>\n\n\n\n

      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.<\/p>\n\n\n\n

      As a result, Mintos is increasingly evolving into a multi-asset platform<\/strong> for various investment strategies.<\/p>\n\n\n\n