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Mintos review, how I set-up "Auto Invest" in ⏱ 1 minute (to get +11% interest)

Reading time: 3 min.

How to set up Mintos Auto-invest:

  1. What is inside Mintos?

  2. Why to use Mintos?

  3. Mintos hands on

  4. Step by step guide to build your auto-invest tool in 1 minute (>10%)

  5. Opinions on Mintos (bad and good)


Mintos is different from many other peer to peer tools. Mintos allows retail investors to invest in loans originated by more than 40 lending companies around the globe.

there are several loans type available, from short-term loans up to car loans.

I am always in search of the best P2P lending platforms available. I like comparing benefits and characteristics of every tool, and some years ago I came across Mintos. At that time it was a small but fast growing company. Mintos is now a profitable business and the biggest P2P player in Europe. This two elements are very important to me.

Another review on Mintos was not necessary, so what I have I included here is my best set-up and one of my own Mintos strategies

One thing I like about Mintos is that I can spare it a few minutes (one-off), set-up Auto Invest, not having to worry about it for months. Autoinvest will connect my money to new loans, cashing in interests and reinvesting in a loop. I can also intervene frequently and have a more active role if I'd like.

I had already glanced at Ratesetter, Smartika, Fixura, Blender, Bondora, Lendix, Twino, Funding Circle, and other European peer-to-peer websites, and right from when I was comparing their characteristics, Mintos seemed quite smooth and easy to control.

 How to start with Mintos peer-to-peer?

I started by signing up and making a deposit in Euros, my main currency.

Currencies available are: EUR-GBP-RUB-CZK-PLN-DKK-GEL-RON-SEK-KZT.  At the moment, US citizens cannot register as investors at Mintos. US investors are, however, allowed to invest on Bondora and others P2P lending tools.

Deposit money on Mintos p2p

Mintos simply connects investors and loan originators of various types and from various countries. It unites numerous lending agencies, and it provides us a considerable and organised collection of loans to take part in. Returns go from 6% up to 18% yearly.

Mintos is the best p2p lending website in Europe. How it works infographic.

To sum up: someone asks for a loan (for example, they buy a TV in instalments), the lending agency grants it, and then it puts it on offer on Mintos; I can take a slice of it and receive a slice of the interests while the loan is repaid.

Why people are investing on Mintos? High rates? Critical mass?

Why people are investing on Mintos? High rates? Critical mass?

Mintos has on offer loans from many countries, this allows me to diversify my investments in a geographical sense. I prefer not to invest in exotic currencies since the exchange fluctuations can impact a lot on my outcome.

How Mintos works and his partners

This is what I’ve discovered when I invested on Mintos

A good thing with Mintos is that I don’t have to pay for charges. It’s useless to fool yourself that there is something free in this world, and Mintos is a profit-based business, but a typical fault of banks is to make you pay to invest, then pay to manage, and finally even to pay to exit the investments.

Fintech exists to cut intermediation costs and Mintos seems indeed to try to do that. Auto Invest, deposit and withdrawal is free. It is natural that there is a risk is associated with such high returns, it would be naïve not to realise that, but in these days and time it is still possible to ride the wave by taking the proper precautions and by continuing to follow this blog, I will let you know in due time if anything changes.

Download free my P2P lending checklist

Download free my P2P lending checklist

It’s rather easy to start, I just needed 3 steps:

  1. Insert my information

  2. Make a free ordinary bank transfer to the specified account

  3. Activate Auto Invest

After completing this 3 steps I almost immediately started to see the cash-flow. My money was invested in hundreds of loans in € and the borrowers were paying the installments. Principal and interests were flowing to my account and got immediately reinvested in new loans. After years of investing it still works for me and interests are compounding.

I am able to transfer the money that is not lent to my bank account just anytime. Since I know the web is full of scams, right after signing up I tried to transfer a small test amount back to my bank, just to make sure all worked fine. All worked fine and so I made my next bigger transfer a few days later in order to get more loans.

Mintos is easy to set up

How did I activate Auto Invest?

This is a tool that makes users’ life easier. I set-up the filters as I prefer and the system will do the rest, without additional interventions. This step was smooth, too.

Now Let's see how I set up Mintos in 1 minute!

My step-by-step process on how I set up Mintos to lower the risk and to optimise revenues.

That’s exactly what I did for my first Auto Invest test that is still working today!

I've also built some much more complex and selective setup through my proprietary algorithm, but I'll not disclose it now.

Everything I do in these steps is reversible and editable in the future, so I am not afraid to make some test portfolios in order to learn. I set a low limit to my first portfolio knowing I was able to raise it later on. Moreover, it is possible to create many portfolios with different characteristics and to make them work simultaneously.

Before continuing, I now invite you to repay the effort and the research I have put in writing this article: just share this post! It costs you nothing, and it feels great for me! Thank you!

As soon as I open the Auto Invest I have two choices.

One is “Mintos investment strategies” and another is “Custom strategy”.

I prefer the “Custom Strategy”:

Mintos auto-invest custom setup diversify

As soon as I open that page I am asked about the currency of the loans I want, I set EURO (11 different currencies are available).

At this stage I can set up more options, and some of this are crucial.

  1. Loans originators. It is important to diversify but also safe to avoid the smallest and weaker lending companies (my own list is on my Peer-to-Peer lending checklist, and updates are found in the newsletter)

  2. Country 22/22. I leave ALL selected. Even if some 2nd/3rd tier countries should pay much more than 12/13% interest.

  3. BuyBack Guarantee 1/2 I select “yes” only buyback. This will prevent the system to buy loans without guarantee. This measure could lower my revenues a bit. There are really few buyback-free loans in Euros for now, anyway.

  4. Rating. This is a rather new filter. Useful but I prefer to rely on different studies I find outside Mintos

I can even choose the "loan status" of the payment, and the amortization method.

I like to have “Current” loans and “Full” amortization method.

I have to do this last two setup one-by-one, even though this passage is NOT essential ↓ 

How to select loans on Mintos

The other filters require a more complex evaluation. Most people just skip it at the beginning.

Amongst the last questions, I find the “return rate” I want, and the “loan terms”.

I don’t want to be greedy and setting the minimum return to 7% is ok for me. Setting the minimum beyond 10% will reduce the variety of loans you’re going to get, and diversification means safety. Safety is always my first concern when investing.

Interest rates and duration of Mintos loans

I find it wise to lower the length of months on the scale by moving the bottom pointer a bit (to the left). This is another measure to lower risk. 80 months are ages in terms of investments. 24 months is a very conservative measure and it could lower my returns and my diversification.

Longer durations are not a real problem anymore. Mintos now has a very liquid secondary market where I can sell one or all of my loans.

The last selection has 4 easy questions.

Mintos portfolio size and quality


Portfolio’s name.

Any name will do, I’ll be able to change it whenever I want, anyway. I normally write some details that make me easy to remember what’s inside it.

Portfolio size can be any number I like.

If I will have transferred €10000 to invest all of it automatically, I could create a €10000 portfolio, or two €5000 ones. Or any number I like. I’ll be then able to cancel it or to edit every anytime.

The top-right question, ‘do you want to reinvest?’, asks you if I prefer that the money generated by the system is automatically re-invested in other loans, or not.

I choose YES because I want the maximum automation on this investment and if I want to enjoy the magic of compound interest. This allows investments to grow considerably as I generate ‘returns on the return’. In this way, I won’t have non-invested money on Mintos as the loans are “repaid”.

The second question on the bottom-right is “Include loans already invested in”.

This is a less relevant point, but I normally select NO. This allows a bit more diversification.

The third question is relevant! You have to “Diversify across loan originators“, so I opt for YES. (This is also our achievement. I personally invited in many occasions Mintos strategic department to allow investors to make sure distribution of loans among originators was the widest possible and having this selection available now does make sure you get this goal). I need to make sure the total is 100% and maybe overweight the best loans originators.

Diversification on Mintos setup safe.

Finally, I will state how the investment should be split. “Investment in One Loan“: The minimum may be €10 or even more, the maximum may not be more than €50(in the right box set the max).

I accept by ticking ‘Assignment Agreements’, then I press the blue button ‘Save and Activate’.

I'm done!

I’m active on Mintos. Was it difficult? Not really!

From now on, I’ll enjoy a growing capital on my account that I can monitor from the ‘Overview’ and ‘My Investments’ menus.

Should I opt to get an additional stream of income (instead of piling up the money generated) I should select “NO” when I am asked “do you want to reinvest” in this final step. This way the money I earn from the loans go into the “available funds” area, ready to be withdrawn.

Mintos is offering 1% cashback program for a limited time.  

Should you want to sign up, this is a current CASHBACK CODE U7Z0PF

Do share this guide on Facebook with whoever needs it, it’s a nice way to say “thanks for writing it”

Many customers on a trusted reviews website are a rather good proof of genuinity, but we always keep a vigilant eye on it. Remember, even if Mintos is a good choice at present, all p2p lending activities are not risk free. Of course Mintos is spelled with an “I” and has nothing to do with Mentos and Mentos and coke

Mintos has excellent reviews and opinions expressed on Trustpilot. Good reviews are also written by people not familiar with it and some did not even read this post before investing...

Mintos has excellent reviews and opinions expressed on Trustpilot. Good reviews are also written by people not familiar with it and some did not even read this post before investing...

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This blog is for information purposes only and should not be considered as investment advice.

NOTE: The indications contained in this analysis are to be considered mere information tools and do not intend to constitute in any way financial advice, solicitation to the public savings, suggest or promote any form of investment.

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