The doubts that arise
By following the investment.

It is the website of Javier, a private investor who has his experience with Mintos and his search for extra income. It gathers decisions, movements of his account and guides to understand them. Creditplan maintains its own identity and participates in the Mintos affiliate program; the collaboration is remunerated. my story and how I prepare the information.

From my account’s general overview, loans and overdue sections and EUR Transaction summaries. The reviewed record contains 23 periods, from January 2025 through 2 November 2026. Originals are private; I publish aggregate amounts, periods and limitations. The methodology Explains every source.

No. The account snapshot relates to its observation date, and each monthly report to its period. The website needs a review to incorporate a new snapshot. October 2026 is complete and the latest period, November 2026, runs through 2 November 2026. Partial periods are identified in the diary. Statements before 2025 still need reviewing. Always check the dates and scope before you compare.

No. My account has a composition, contributions and specific dates, as well as costs and pending money. Another investment can behave differently. Past results and simulations do not guarantee future results. risks and official investor protection information.

The funds available are in Mintos’ general balance to assign them to investments or request a withdrawal from the bank. Portfolio cash is already allocated to an automated portfolio and expects investment according to their adjustments. Custom Loans portfolios share their cash and distribute it according to priorities. See the concepts and the official explanation.

No. "Invested" describes the capital placed in investments; "return" describes the result shown by the platform. If a percentage appears, its period and method of calculation matters. The capital invested also does not equal the money available to withdraw. the portfolio guide and the Glossary of Mintos.

It is a refund of your capital. If you receive principal 100 € and interest 2 €, the 102 € increase the cash, but only 2 € correspond to interest before costs. In the balance sheets I separate both concepts. How to read the results explains that distinction.

No. This subtraction follows the interest collected after the identified fees and the withholdings shown. The total result also needs losses, value changes and other movements. The withholdings are not the final tax. calculation method specifies which categories are included.

They may correspond to different views or moments and it is appropriate to check what each balance represents. In my query on October 7 of 2026, the general summary showed 66.24 € available and the summary of transactions closed with 102.87 €. The exact cause remains to be clarified. list of limits Keep that discrepancy.

Assign money from Mintos' available cash to the cash of the chosen portfolio. Then, the portfolio invests it according to its configuration. Transfer from your bank is another step, which first brings money to Mintos. the explanation of reloading and official steps.

The withdrawal of the portfolio frees funds from Mintos's available cash, depending on the product and its liquidity. From there, the transfer to a registered bank account is requested separately. Money invested, delayed or in recovery may require more time. See differences by portfolio and official exit options.

Pause Core Loans stops new investments. Existing positions are on course; pause does not turn them into cash. Also review investment plans and periodic transfers, because they are separate adjustments. portfolio guide explains the action and links Mintos' conditions.

A recurring transfer from the bank brings money to Mintos. An investment plan programs the allocation of funds available to a portfolio or product. They are two different steps and need to be coordinated if you want to contribute periodically. contribution guide shows an example and official sources.

For automated portfolio plans, Mintos indicates that it will attempt the assignment again during the day. If it is not completed, the plan remains active and retry in the next scheduled interval. Core Loans and Custom Loans daily plans can be configured to assign a partial amount up to the chosen limit. Check your settings and the conditions of the plan.

They are different states. In a pending payment, the entity has reported the payment of the borrower and Mintos expects to receive the money. The arrears describe payments of the unprocessed entity within seven days of the due date. The arrears refer to the borrower's calendar. outstanding payments and Fund arrears in official aid in English.

No. The percentage and time frame shown by Mintos describe an estimate of a case on that date. The amount finally recovered and its calendar may vary. my delays maintain the status shown and its date of consultation; Official aid explains the processes.

The scheme described by Mintos covers certain obligations that the platform cannot repay, up to the limit and under the conditions of the system. It does not cover investment risk, such as losses by price, yield or liquidity. It should not be confused with guaranteeing capital. the risk guide and the official scope of protection.

The tax guide explains the annual report, gross interest, foreign withholding and double taxation relief, with references for the 2025 Spanish tax return.

How to declare Mintos in Spain ↗

It shows a scenario based on the assumptions you introduce. It does not model all risks, capital losses, periods without investing or future rates. The historical costs used as reference belong to my account and its period. Check the formulas and limitations along with simulation.

Creditplan participates in Mintos’ affiliate programme. Promotional links have been paused since 3 November 2026. The paid partnership and financial interest are explained in Transparency.

Creditplan publishes the revised aggregates from my own account. It does not publish its originals, credentials or private identifiers. The values you enter in the calculators are processed in the browser and are not sent or saved. transparency page also explains Analytics, advertisements and privacy preferences.

Illustrations include images generated and animations represent didactic examples. They are not captures of Mintos. Their speech uses synthetic voices of ElevenLabs. Texts and figures are supported by identified sources; and methodology explains the use of these tools.

The publication criterion is to review the source, update the explanation and its date, and indicate the relevant changes. If a discrepancy is not resolved, it remains indicated as pending. The website does not have an automatic update in real time. the dates and the criterion of corrections and confirms the conditions in Mintos before acting.