Mintos AutoInvest Setup: ⏱ 1 minute +9% [Best Strategy]

Mintos auto invest revenueland

How to use Mintos Auto invest?

WHat is the best Mintos strategy?

Today I am going to share with you my best and effective Mintos Auto invest setup.

Time needed for the configuration: 1 minute ⏱

The best part?

It isn’t as complicated as it seems to setup Mintos with a good strategy.

In fact, once the setup is done, it will work for me without much supervision.

How to use Mintos:

  1. Signup to Mintos
  2. Transfer money
  3. Activate the “invest & access” (≅10%)⭐️⭐️⭐️ (easiest way)
  4. Setup a custom autoinvest strategy (≅10%)⭐️⭐️⭐️ (safer way)

In alternative (or together) I could also buy loans manually⭐️(NERD’s way)

The main difference between the “Mintos custom strategy” and “Mintos invest & access” is:

  • The custom strategy allows me to fine-tune on the loans and lenders I want
  • The “Invest and access” (conservative) will buy current loans protected by buyback

The second method is totally automated.

I use both.


“Invest & Access” strategy Vs. “Custom Strategy”

Which one is the best? The Invest and Access or the Custom portfolios on Mintos?

mintos-invest-access vs custom-portfolio

I will make it clear for you.

Lately most investors go for the “Invest& access”.


Because it is easy, it doesn’t require any knowledge. It is enough to type in the amount I want to invest and I am done.

What do I get with “Invest and access”?

  • Approximately 10% interest rate on the money invested
  • Money available to be cashed in even if invested

What do I get with a “Custom strategy”?

  • Fine-tune on lenders and loans
  • Approximately the same interest rate (10%)
  • Invested money are available only if I sell it manually on the secondary market or when loans are repaid
  • Possibly a safer setup

🎥 Video on how to use Mintos YouTube

This is a video tutorial on how do I set up Mintos autoinvest:

Mintos how to setup in 60 seconds ⏱(My Strategy for a safer setup)

On this video I try to setup Mintos not for the maximum return but in the safest and more conservative way.

To find out more about Mintos go to the complete Mintos review.

As always, I don’t recommend anything, I am not your consultant, but ask yourself if you are ready to have a more active role or not.

For a totally hands-free investment “Invest & Access” can be better.

In order to understand better how it works, it is good to have both.

I have most of my money in the “custom strategy”.

And what about the Manual investing?

Only real P2P NERDS go for Mintos manual loan picking, so if you have a girlfriend or you like sports...forget about manual investing! Click To Tweet

Let’s start to talk about the “invest & access”…

How to setup the Mintos “invest & Access”

If I want to start with Mintos FAST I will use the 1-click automatic autoinvest called “invest & access”.

To access this autoinvest feature I will go to the “invest” menu and then click on “ADD STRATEGY”:


After clicking I will be shown the main autoinvest page.

On that page there are 4 options available.

Here is what they look like:


The 3 strategies I’ve marked red on the left are the ultra-automatic ones.

With those strategies I can invest in a few clicks and no difficult questions are answered.

After I’ve activated those type of auto-invest I don’t have to do anything else.

The system will:

  1. buy the loans for me
  2. reinvest all the money that are flowing back to my account from the paid interests

I don’t have to fear to make mistakes.

This is because I can always:

  • stop
  • edit
  • add money
  • partially cash out

with these strategies.

Minimum is 10€ and they recommend +1000€.

Don’t follow that indication. You can add little by little and get even more diversification.

One big benefit of this way of using Mintos is that a part of this loans is always ready to be sold and my invested money is kept rather liquid in this way.

How to setup a Mintos “custom” automatic strategy

Mintos Auto Invest strategy

I know this setup is a bit more laborious, but for me it was worth it from a safety point of view. Here’s how I did it.

To setup a custom portfolio I need to know what lenders I desire or if I want to exclude specific countries and loan types from my future portfolio.

I’ll go to the same page from the “invest” menù:

mintos- custom -automated

At this point I will be asked if I need an automated or manual strategy to pick my loans.

To setup my automated custom strategy I will choose “automated”:


It warns me that it is only for experienced investors, so what shall I do?

The best thing is to understand first what I am doing at this stage.

I’ve been learning by doing and since the smallest portfolio can be just some euros, I’ve decided performe more test to find out how the system behaves.

Here is how I setup my portfolio today

First things first.

  1. I only invest in EUROS (it’s safer if the euro is my currency)
  2. I will setup “primary market” ( I can repeat this process on the secondary market one day if I want to)


At this stage I will take care of two important filters:

  1. The buyback obligation
  2. The Mintos risk score

Now I am sure I only want loans protected by the buyback guarantee, so on the top left of the table I will set “YES” to the buyback obligation.

The second thing I do is to exclude lenders that are rated less than 5.

Why no lenders below 5 score?

Let’s start to say that investing in loans is dangerous.

A company rated 5 or less is considered to be at risk of not honoring the buyback obligation. So, I can do without it.

I will not filter out any specific country nor loan types.

The most important is to make sure the loan originators I allow are good beyond what’s Mintos opinion.

This is why I’ve created the best Mintos loan originators list.

Beware that I may be wrong and that things change, so do your research before any move.

If I don’t want to be so picky I can also just skip the lenders selection and get loans only from 7+ or 8+ rated lenders. 

The most important is to stay away from lenders that are:

  • “S” suspended
  • “D” defaulted
  • “SW” score withdrawn

Let’s recap now.

Mintos autoinvest custom example template:

  1. Currency: EUR
  2. Market: Primary
  3. Lending company: Selection of best Mintos lenders
  4. Mintos risk: +5 score
  5. Loan type: All
  6. Country: All
  7. Buyback obligation: Yes
My step-by-step process on how I set up Mintos to lower the risk and to optimise revenues Click To Tweet

Last steps to start the custom automation

Now we are almost done.

What we need is to tell Mintos:

  1. what minimum interest rate we want
  2. the remaining loan term

Interest rates and duration of Mintos loans

I am not greedy and I tell you why.

What is a good minimum interest rate on Mintos?

If I set a minimum return above 12% it may seems more convenient, right?

Well, it is not.

Only very few companies offer such an high interest rate.

I need more companies in my portfolio, instead.

More companies means more diversification, so if one goes burst it won’t be a big problem for me.

This is why I set minimum interest to +6% or +8% only with no cap.

Loan duration on Mintos

Remaining loan term is up to you.

Of course, same things applies. The shorter the loans the less lenders I get, more risk I have.

If my investing time horizon is 4 years I would avoid buying loans +48 months loans. As easy as this.

Warning: Short term loans are not always safer.

Activate the portfolio now

In order to activate the Mintos custom portfolio I need to follow the last 6 short steps.

I need to setup:

  1. strategy name
  2. portfolio size
  3. maximum investment in one loan
  4. do you want to reinvest?
  5. include loans already invested in?
  6. diversify across loan originators

Mintos portfolio size and quality

Let’s see it step by step.

#1 Strategy name

Whatever you like. I use something that reminds me of the settings (month/primary or secondary market and so on).

#2 Portfolio size

I use to have many portfolios that I test and edit over time, so any size will do.

I’ll not have just one portfolio as big as the money I deposited. I’ll have at least 2.

#3 maximum investment in one loan

This can be anything from 10€ to whatever.

Of course the bigger the portfolio global size the bigger needs to be this value.

#4  do you want to reinvest?

Of course, yes!

This is my choice because I want compound interest.

If I just want an extra stream of revenue from my investment I will not select “yes” here. Doing so all my returns will flow to the uninvested money, ready to be cashed out.

#5  include loans already invested in?

I normally select “Yes”, but if I want more diversification I can even say “no”.

#6  diversify across loan originators

This is crucial.

Be careful.

Here is how it looks like:

Diversification on Mintos setup safe.

Leave Mintos do this automatically if you are not sure of what to do.

I say “YES” and I make sure there are no lenders that have more than 20% share of the total size.

Finish, I’m done.

I have just started my personal custom autoinvest strategy on Mintos!

Read the updated Mintos review

Extreme fine tune on Mintos (optional)

In case I want to fine tune even more I can go on the specific section of every lender and select the:

  • investment structure
  • amortization method
  • pending payments
  • loan status
  • schedule extension


Now it is getting too complicated if you are just starting out.

I mainly care about getting “direct loans” with a “full amortization method”.

That’s all.

I don’t care much about “pending payments” (because it is normal loans go late) and “schedule extensions” (extensions are normal in the lending world).

What you have just read are my best set-up and one of my own Mintos auto invest strategy

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.

After some years now I still use Mintos with profit and no loss.

Screenshot from my own Mintos investment

Mintos portfolio revenueland
I am happy with my Mintos investment so far.

Test your Mintos portfolio

How safe is P2P lending?

How to start with Mintos peer-to-peer?

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

I would not invest in other currencies for now (maybe GBP in the future).

Currencies available are: EUR-GBP-RUB-CZK-PLN-DKK-GEL-RON-SEK-KZT.

At the moment, US citizens cannot register as investors at Mintos.

Update: 🇺🇸 U.S. Investors are allowed to register and invest with  Mintos using Revolut, Transferwise or even Payoneer.

US investors are also allowed to invest with Bondora and other high interest European P2P lending tools.

mintos deposit currencies safe risky
To invest with Mintos I had to deposit money on my Mintos account. It was rather scary because I didn’t know yet if they were reliable or not.

How to transfer money on Mintos account

I can transfer funds to my Mintos account from my bank or e-money account.

Transfers in EUR can be done using ordinary SEPA (Single Euro Payments Area) transfers or the above mentioned credit cards.

Money transfer is normally very cheap ( it was free for me) since Mintos in not in some exotic country of in a fiscal paradise. Currencies other than EUR  can be transferred by using money transfer service or smart methods like Payoneer.

 Download free my P2P lending checklist Mints vs bondora Download free my P2P lending checklist

⭕️ Mintos auto-invest in 1 minute

This is the step-by-step process to invest on Mintos:

  1. Register to Mintos
  2. Make a free bank transfer to the specified account

  3. Select the Auto Invest (custom or invest & access)

  4. Wait a few days and make sure everything is smooth

After completing this 4 steps I’ve started to see the cash-flow few days later.

Did it work from the beginning?

To be honest, I was surprised.

It was just few euros per day, but it was working. No tricks or misunderstandings.

Promise. Delivered.

  • My money was invested in hundreds of loans in € and the borrowers were paying (to me) 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 [That was my goal]

I am able to transfer the money that is not lent to my bank account just anytime. Obviously money invested is not immediately ready. If I want it I have to sell the loans first and then cash in.

My Mintos safety check

I didn’t trust Mintos at the beginning. Read what I did.

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 properly and so I made my next bigger transfer a few days later in order to get many more loans.

 Mintos is easy to set up promo bonus
The above scheme is from Mintos website. The 4 steps I followed to receive my daily payments.

The borrowers pay monthly, but since I have several hundreds loans I receive daily payments from many of them (“My account” section).

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. There are much more details in the newsletter and in the e-book.

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, I can create many portfolios with different characteristics and I can 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 is great for me! Thank you!

Compare P2P Lending

Is Mintos risk-free?

No. Investing in loans on Mintos involves some risk.

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.

I lately wrote about my personal Invest & access test.

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

mints strategy promo

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

trustpilot mintos reviews opinions
Mintos has excellent reviews and opinions expressed on Trustpilot (read it). Good reviews are also written by people not familiar with it and some of them… did not even read this post before investing…
Curious about how I invest in alternative ways?
Read the new “How to invest money” essential guide on RevenueLand.

Your comments about this Mintos review are very welcome!

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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42 thoughts on “Mintos AutoInvest Setup: ⏱ 1 minute +9% [Best Strategy]

  1. Otto Hoffmann says:

    I have color printed your p2p checklist and going to add funds to Mintos this way. How to switch from Mintos preset strategies to custom strategies?

  2. Toni Gamble says:

    Really interesting but can someone please explain to me how this guy (link below) is making 19%+ yearly returns on the P2P platform Mintos after all fees/costs in EURO??! He talks about some interesting strategies but wanted to hear some outside opinions too.

  3. Thor says:

    I don’t understand why you offer your e-book for free. I bought a course on P2P last year and there was less actionable stuff of what I found in you little PDF

  4. Helpful says:

    I have read this post. Perhaps you could write more about this topic because I am interested. Can I ask you questions? I follow your FB, downloaded your e-book

  5. Hannah says:

    Is Invest and access better than this auto-invest?
    Is it really possible to cash in money instantly?
    Also partially?
    Thanks for reporting your experience

    • True from Revenue Land says:

      Hi Hannah, welcome. It is different.
      Invest and access can be a good starting point to invest “hands off”.
      Instant money withdrawal is possible but only the current loans will be sold immediately.
      Approximately 80% of Mintos loans are current.
      The rest of the loans (let say 20%) will go in the buyback process or will just will be current again.

      I’ve made a test to invest (invest and access) and then sell everything to check Mintos liquidity. It worked great (details in the next post), but all loans were freshly bought, ergo current.

    • True from Revenue Land says:

      Honestly I do like Invest and access for ease of use. Not everyone is willing to use Mintos custom strategy (above), I know. Money (almost) liquid and accessible while invested at 12% is amazing. BTW, with the above setup I can keep a better control of my loans and select duration, pick originators and much more. I do both.

  6. Toni A. says:

    How many Aforti loans will I have got with this custom strategy instead of “”Invest and Access”?

    • True from Revenue Land says:

      From the limited data I have “invest & access” did not overweight Aforti. Using the “custom strategy” above it would depend on the setup. I am extremely satisfied with my Mintos setup that is safety-oriented rather than max-yield oriented. Only 0,2% of my loans are with Aforti (2 loans=67€). Since I’ve had the umpteenth confirmation that my setup works well, then I will soon disclose my Mintos originators rating and my personal asset allocation on Mintos. Any feedback is welcome, Toni.

  7. Andre says:

    I have a question: I’ve enrolled mintos recently. I tried both “Invest&Access” and Custom Strategies. I noticed that the interest rates are lower then your article. For “Invest&Access” the interest rate was 9,36%.
    This means that average interest rates are lowering since few months ago, right?
    Any idea?

    • True from Revenue Land says:

      What you say is true, Andre. At the time of launch, when I wrote this and made my tests, I&A average interests was 12%. Fluctuations are normal, but from 12 to 9 the gap is big. Will it go up again? I don’t know, but from my point of view, the loans I get with my I&A are (on average) rather good and still very reasonable for a 9% rate.

  8. Pedro Pimenta says:

    Hi! Thank you for all the info made available regarding P2P lending.

    When setting up a Custom strategy we have to accept the Assignment Agreements and for each loan originator there’s a different price, so my questions are:
    – when and how is that fee charged?
    – If I create more than one custom strategy is that fee always applicable?
    – does the return on investment tax take that into account?

    • True from Revenue Land says:

      Welcome Pedro. I am sorry but I am not sure to get your question. BTW, ✅ There are no fees or commissions to be paid by investors to use Mintos . Fees are only applied to borrowers. The return shown is on yearly basis. Look at the screenshot above from my portfolio and I have paid 5,61€ fees because I’ve started investing before 2017. Now it’s all free.

  9. Gary Yna says:

    I just took invest & access, but it says the interest will be around 9.5%. How come you gained 12%? Does the interest depend on time we enter the invest & access?

    • True from Revenue Land says:

      Gary yes, when I started I&E it was 12% then slowly faded to around 10%. I think it will go up and down and it is rather normal like this since it is nowhere near to be a fixed interest. I will update the numbers above at the end of the year.

  10. Diogo says:

    Hi, does the list from LO still available, don’t seem to find it on your “My Peer to Peer Lending checklist”. thanks

  11. Pedro says:

    What’s your strategy to deal with investments which go late? Do you let them reach the 60-day buyback guarantee or do you try to seel them in the secondary market?

    • True from Revenue Land says:

      Hi Pedro! Nice question. No I don’t use to sell them as soon as they go late. I trust the buyback offered by most lenders and I tend to look at the big picture. I have instead some limited custom secondary market strategy in place where I deliberately get late loans (15+/30+). In that case it’s important to have full amortization and, when possible, also extra-interest paid on lateness. All exclusively from selected lenders. On my primary market portfolio I NEVER exclude lenders who don’t pay interest on late loans. You may want to read why:

  12. Vladislav Yonchev says:

    Maybe you forgot to add that when you deposit money you wait for a couple of days to see where you money went

  13. Stephan Tousgaard says:

    Hi. What your thoughts on “Interest income on delayed payments. Found under Loan Orginators -> Details. I’ve only picked them with “Yes”

  14. Bernard says:

    WARNING: I found out the hard way that when you edit an Auto Invest strategy the filter for loan status is reset! This means that the strategy will start buying loans with all kinds of statuses, while for example you only wanted current ones. I assume the same is true for amortization method.

    • Sal from Revenue Land says:

      Hi Bernard. I’ve immediately tested on my 19 strategies what you say and I have a different outcome.
      When I edit a custom portfolio the system keeps my settings for the status, so normally my “current” loans setting stays on current mode.
      The settings that I’ve found changed are “Amortization Method ” and “Investment Structure”. It is clearly a malfunction.
      I thank you for your comment and I’ll make sure Mintos and other users will know this immediately.

  15. Bernard says:

    Thanks! I tried it again and managed to recreate the issue for Loan Status:
    * Create a filter for the Secondary Market with the following filters:
    * Currency = Euro
    * Rating = A+/A/A-/B+
    * Buy-back guarantee = yes
    * Status = 31-60 days late
    * Discount of at least 15%
    * Results should come up empty
    * Use “Create Auto Invest portfolio” based on these filters:
    * Portfolio Size €50 (make sure you have €50 balance to invest)
    * Loan size: €1-€25
    * Set “Diversify across loan originators” to “No”
    * Save, make the highest priority and wait 5 minutes
    * Edit the strategy, deselecting B+ LO’s, save and wait 5 minutes
    * Edit the strategy, reselecting all B+ LO’s, save and wait 5 minutes
    * You will see that the strategy starts buying loans with a different status. In my case it bought 3 “current” loans (with a discount of more than 15%)

  16. Bernard says:

    What would really be useful of course is if all the filters that are available for manual investing would also be available in setting up and editing an Auto Invest Strategy.

  17. La Rochelle says:

    I love your video, it’s fun. So far so good with mintos, a few things I don’t understand but interest are flowing form the first month

  18. Hannes says:

    I don’t see anything about mintos in your ebook, neither a list of good lending companies. Am I missing something?

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