Mintos is an EU-regulated multi-asset investment platform that gives European retail investors access to bonds, loans, real estate, and a money market product from a single account. Through its web portal and mobile applications, investors can hand-pick individual European bonds or invest through a fully automated High-Yield Bonds portfolio, with a minimum trade size of just €50 per bond.
Mintos is operated by AS Mintos Marketplace, an investment firm registered in Riga, Latvia. Founded in 2014, the company began as a marketplace for investing in loans and has since expanded into a multi-asset investment platform offering bonds, real estate, and money market products. Mintos is a privately owned company.
By 2026, Mintos had grown to over 600,000 registered users and €800 million-plus in assets under management, making it one of the largest retail investment platforms in continental Europe.
Mintos is an investment firm licensed and supervised by the Bank of Latvia (Latvijas Banka) under licence number 06.06.08.719/534, operating under the EU MiFID II framework. Mintos does not currently hold a banking licence, but is reportedly pursuing one with the European Central Bank.
Financial Products Offering, Mintos (Screenshot as of May 29, 2026)
Opening an account with Mintos is a fully online process completed through the web portal or mobile application. In simple cases, registration can be completed in about 5–10 minutes; more complex cases may take a few days while verification and AML checks are completed.
Mintos offers its services to residents of all EEA markets, namely:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
To open an individual account, clients typically need to provide:
Valid ID (passport or EU national identity card).
Proof of address.
Tax identification number.
Source of wealth documentation.
Once verification is completed, accounts can be funded in the following supported currencies: the Czech koruna (CZK), euro (EUR), British pound sterling (GBP), Kazakhstani tenge (KZT), Polish złoty (PLN), Swedish krona (SEK), and Mexican peso (MXN).
Investors can fund the account via bank transfer, payment card, Google Pay, or Apple Pay. There is no minimum deposit required to open an account; investing starts from €50.
Mintos implements several measures designed to protect client funds and financial instruments:
Investor Compensation Scheme: Mintos is a member of the Latvian investor compensation scheme, which covers situations typically arising from operational errors — for example, if Mintos is involved in fraud or administrative malpractice. The compensation an investor can claim is limited to Mintos' outstanding liabilities to the investor, up to €20,000. The scheme does not protect against investment risk such as poor performance or changes in the price or liquidity of financial instruments.
Segregated client accounts: Mintos is required to hold investors' financial instruments and uninvested funds separately from its own assets. Client funds are held with LHV Bank and Signet Bank as custodian banks, separately from Mintos' own balance sheet.
EU regulatory framework: Mintos operates under the supervision of the Bank of Latvia and complies with the MiFID II regulatory regime. These rules impose strict requirements on investor protection, operational transparency, and risk management for investment firms operating within the European Union.
Mintos is not covered by a deposit guarantee scheme (as it is not a bank), and investor protection is provided exclusively through the EU-mandated investor compensation scheme described above.
Mintos offers a curated selection of European bonds available through its web portal and mobile applications. The bond universe is fluctuating, with more than 30 bonds active at any time and growing as new issues are added. Available bonds span 16 unique countries, including Germany, Sweden, Estonia, Luxembourg, the Netherlands, Latvia, France, Italy, Norway, Spain, the UK, Malta, Finland, Romania, Cameroon, and Mexico.
By bond type, the offering is composed of approximately:
~90% corporate bonds — predominantly mid-cap European issuers across consumer, financial, technology, industrial, and travel sectors.
~10% sovereign / government bonds — including the Republic of Romania and the Republic of Cameroon.
No supranational or agency bonds at the time of writing.
The corporate side of the catalogue includes well-known European names such as Worldline S.A. (French payments), Ubisoft Entertainment (French video games), Intrum Investments and Financing (Nordic credit management), Katjes International (German confectionery), Azerion Group (Dutch ad-tech), HomeToGo SE (German vacation rentals), Trustly Holding (Swedish payments), eDreams ODIGEO (Spanish online travel), Multitude Capital (Finnish fintech), and International Personal Finance (UK consumer credit), among others.
All bonds on Mintos are denominated in EUR, and the minimum trade size is €50 across the entire catalogue — meaning all bonds are available in small lots, with no instruments restricted to large institutional tickets.
Unlike a traditional broker that simply provides exchange access to a wide bond universe, Mintos offers bond exposure through two distinct legal structures, both of which support fractional investment from €50:
Direct bond investment. The investor obtains full ownership of the bond (or a fraction of it) and receives coupon payments and principal repayment directly from the bond issuer.
Bond-backed security (legacy option). The investor purchases a regulated security issued by a special-purpose entity within the Mintos group. In this case, the Mintos SPV holds the underlying bond on the investor's behalf and transfers its returns to the investor. The investor does not own the underlying bond directly but is entitled to the cash flows it generates. Mintos is moving away from this model: more than 90% of bonds on the platform are now direct investments, and all newly added bonds use the direct structure, so the bond-backed security applies only to a shrinking set of older positions.
Both formats are designed to make individual European bonds — many of which carry institutional minimum denominations of €100,000 or more — accessible to retail investors in lots of €50.
The fractionalisation itself happens at the record-keeping level. When an investor commits €50 to a bond that trades only in €100,000 minimum denominations, Mintos holds the bond in its full denomination through its custody and nominee structure, and each investor’s proportional entitlement is recorded in Mintos’ internal client-asset records.
For execution, Mintos sources bonds via its broker network with practical access to most exchanges, and through OTC trading via Bloomberg. Order routing on the platform is smart-routed, and Mintos does not receive payment for order flow. The platform currently supports market orders only.
Mintos applies one of the simplest fee structures among European bond platforms: bond trading itself is free, with most costs limited to optional services and the automated portfolio product.
Commission on bond trades (any size, from €1,000 to €20,000+): none.
Exchange / clearing fees:none.
Custody / account fees for hand-picked bonds:none.
High-Yield Bonds portfolio (automated):0.39% per annum.
Deposit and withdrawal fees:none.
FX conversion fee: from 0.50%, depending on the currency pair; the exact fee is displayed before confirming an exchange.
Inactivity fee:€4.90 per month — applies if, in the past 360 days, the investor has made no investments (manual or automated), sales, deposits, or withdrawals, and the account holds no ETFs, bonds, real estate, Mintos stocks, or funds in Smart Cash.
The combination of zero commissions and a single 0.39% p.a. fee on the automated product means total costs for a hand-picked bond portfolio on Mintos can be limited to the bid-ask spread of the underlying instruments and (where applicable) FX conversion.
By default, cash held on a Mintos account does not earn interest. However, Mintos offers a dedicated cash management product — Mintos Smart Cash — that lets investors put idle funds to work in one click, without leaving the platform.
Smart Cash invests client funds into the BlackRock ICS Euro Liquidity Fund, a low-volatility money market fund. Key characteristics:
Target return: up to 2.0% interest on cash (rate is variable and not guaranteed; benchmarked to the BlackRock ICS Euro Liquidity Fund yield).
Accrual: interest is accrued daily and paid out monthly.
Eligibility:no maximum balance and no tiered thresholds — the same rate applies across all amounts.
Liquidity: funds can typically be moved back to the main account same-day, without lock-up.
For investors who want to hold cash between bond purchases or as part of a defensive allocation, Smart Cash is Mintos' primary way to capture yield on otherwise idle balances.
Mintos provides access to its services through both a web portal and mobile applications on iOS and Android, with bonds, loans, real estate, and Smart Cash all visible from a single, integrated portfolio view.
Bonds on Mintos are traded across two modes, labelled ‘Primary market’ and ‘Secondary market’. The names can be misleading, so it is worth setting out plainly what each one is. The primary market is where you buy a bond directly from Mintos. The secondary market is where you buy from, or sell to, other investors on the Mintos platform — Mintos itself is not the counterparty. Because the fractional bonds purchased through Mintos can only be bought and sold within Mintos, the secondary market is the route investors use to exit a position, or to acquire bonds that are no longer offered on the primary market. Prices on the secondary market are set by investor supply and demand and therefore differ from the prices available when buying directly from Mintos on the primary market.
At the time of writing, 31 bonds are available on the primary market. The secondary market is broader, with bonds from 68 unique issuers available to trade. This is wider than the primary market in part because some bonds Mintos previously marketed have since been removed from the primary shelf, yet investors who already own them can continue to trade them with one another on the secondary market.
To explore the bond catalogue, investors can use the platform's bond screener, which supports filtering by:
Issuer
Country
Industry
Yield to maturity (YTM)
Mintos Risk Score (a proprietary score calculated by Mintos)
Coupon frequency
Maturity date
On each bond's instrument page, Mintos typically displays the following analytics:
Yield to maturity
Clean price
Face value
Coupon type and coupon frequency
Specialised fixed-income metrics such as duration and spread data are not provided at present, which is a limitation compared with dedicated fixed-income terminals — though arguably less critical for the small-ticket, buy-and-hold use case Mintos is designed for.
Mintos supports market orders only, with execution handled via smart routing across its broker network and OTC access through Bloomberg. Limit orders and other conditional order types are not currently supported.
For portfolio analytics and reporting, the platform offers:
Portfolio reporting with selected financial figures and access to each bond's prospectus.
Full transaction history.
A yearly tax report summarising bond-related earnings, which simplifies tax filing in most EU jurisdictions.
The High-Yield Bonds portfolio is the only product on Mintos that supports a bond savings plan (recurring automated contributions); savings plans for hand-picked bonds are not currently offered.
Single ETFs are also planned for launch in 2026. Through this product, investors will be able to invest in bond ETFs as well, extending the platform’s fixed-income exposure beyond single-issuer bonds.
Customer support is available via phone (callback), email, and live chat. Chat support is available 24/7, while personalised support is provided five days a week during business hours. Major European languages are supported — including English, Spanish, French, German, Dutch, and Italian — and educational resources on bond investing are published on the Mintos blog.
Very low entry point: invest in European bonds from just €50, with zero commission on hand-picked bonds and no deposit, withdrawal, or custody fees.
Genuinely fractional bond exposure: all bonds in the catalogue are available in small lots, including names like Worldline, Ubisoft, and Intrum that would normally require €100,000+ tickets in the primary market.
Diversification options: bonds from 16 countries, spanning both corporate and sovereign issuers across the EU, the Nordics, the UK, and selected emerging markets. Compared to many other brokers, Mintos also offers bonds that are not available to retail investors anywhere else.
Curated, pre-selected catalogue: Mintos offers a focused selection of high-yield bond opportunities. For investors who don't have sophisticated terminals, this simplifies the process of finding pre-vetted high-yield options and brings clarity and direction to bond investing.
EU-regulated framework: supervised by the Bank of Latvia under MiFID II, with segregated client assets at LHV Bank and Signet Bank, and investor compensation up to €20,000.
Two complementary investment routes: hand-pick individual bonds or use the fully automated High-Yield Bonds portfolio (0.39% p.a.) with a built-in savings-plan feature.
Earnings on idle cash: uninvested balances can be moved into Mintos Smart Cash, backed by the BlackRock ICS Euro Liquidity Fund, with up to 2% target yield and daily accrual.
Yearly tax report simplifies declarations in most EU jurisdictions.
EUR only bond denomination: no direct exposure to USD, GBP, or CHF bonds via the Mintos platform.
Limited selection of bonds: the catalogue is small and concentrated, with around 70 issuers in total and an exclusively high-yield focus — there are no investment-grade issuers.
No interest paid on plain account balances: earning yield on cash requires actively opting into Smart Cash.
Limited compensation, no deposit guarantee: because Mintos is not a bank, balances are not covered by the €100,000 deposit guarantee that protects bank deposits.
Limited analytics and search: key fixed-income metrics such as duration, spread, and the bond’s cash-flow schedule are not shown, and screening and analytical tools are basic
Geographic restrictions: the platform is available only to EEA residents — US persons and UK residents are excluded.
