Mintos

Nice interface

Nice interface. Rapid response. Very efficient

Buona diversificazione

Buona diversificazione, bupni guadagni, per ora nessuna perdita . Da 2 anni su mintos

Ich bin seit Oktober 2017 investiert…

Ich bin seit Oktober 2017 investiert und bin vollstens zufrieden.

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.

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.

Since the app redesign the app is a lot more intuitive. And I like the new networth-chart

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.

Odradzam z całego serca

Nie polecam, od 5 lat nie wypłacają mi środków z tytułu pożyczek. Takich osób jak ja jest zapewne dużo.

Vertrauenswürdige Plattform

Vertrauenswürdige Plattform, transparente Darstellung. Es sind auch Ausfälle von Schuldnern zu verzeichnen. Trotzdem stimmt die Rendite unter dem Strich.

Better loans with more return in % euros.

Better loans with more return in %s

Só é pena não está escrito em português

Só é pena não está escrito em português

Mercado regulado

Mercado regulado, fácil de usar y diversificación relativa bastante buena.

Sencillo e intuitivo

Sencillo e intuitivo, llevo usándolo unos meses y puedo decir que ofrece muy buenas rentabilidades. La posibilidad de crear una cartera automatizada para préstamos ayuda mucho a "desentenderse"

Es una muy buena herramienta contra el…

Es una muy buena herramienta contra el sistema financiero actual, manteniendo equilibrio de riesgo-beneficio

Plaraforma inmejorable para invertir

Plaraforma inmejorable donde invertir y obtener ingresos pasivos. Llevo 3 años invirtiendo, con todos los pagos atrasados siempre recuperados y con una rentabilidad aprox. del 1% mensual

Great options to diversify portfolio

Great options to diversify portfolio. Good historic performance

Cant add funds, demands tax-id and then bails out with 'Unexpected error happened'. Please fix.

Easy to use

Easy to use. Good return.

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.

easy and trustable

Duidelijk, Simpel

Duidelijk, helder en simpel in het gebruik.

Super simpel

Super simpel. Seit Jahren habe ich dort ein Backup angespart, das ich wenn ich Geld brauch leicht abheben kann.

Muy buena experiencia en inversiones…

Muy buena experiencia en inversiones para los que no queremos complicarnos mucho la vida. Lo recomiendo. Atención al cliente en 24/48 horas, responde a todo! Para mi una plataforma 10/10!

Betrouwbaar platform

Betrouwbaar platform. Ik maak er al jaren gebruik van en ben zeer tevreden over de geleverde diensten. Tevens betaalt Mintos meteen uit, ook in moeilijke tijden zoals Corona. Oninbare geldbedragen komen zelden voor.

Quick and clear answers to my doubts.

Quick and clear answers to my doubts.

great for work

great for work

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

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.

Didn't want my money. Wise, Revolut, Bondora, PeerBerry, Raisin, Bitstamp, etc, had no issues with my identity or funds origin verification whatsoever, but apparently Mintos doesn't want customers. All EU regulated, BTW.

Mintos hat das Potenzial zu 5 Sternen

Mintos hat das Potenzial zu 5 Sternen, leider wird es durch die sehr negative Quellensteuerregelung insbesondere von Bewohnern in Drittstaaten ohne DBA noch nicht gehoben. Diesen wird wirklich der ansonsten sehr positive Zinseszinseffekt durch eine Quellensteuer i.H. von 25,5% äußerst negativ beeinträchtigt. Hoffentlich gibt es dazu bald eine bessere Lösung und 5 Sterne.