Mintos GUIDELINES
Guides to understanding
your Mintos account.
Choose the question you need answered. The guides explain how things work, and my account cases show what I have been able to verify. My personal opinion is in my experience with Mintos.
Receiving, withdrawing and waiting
How have my withdrawals gone?
The recent €150, historical outflows and the April case.
View my withdrawals ↗What happens to overdue money?
Pending payments, late instalments and tracking Nera Capital and FintechFinance.
Track the delays ↗What costs appear in my account?
Fees identified in the statements and their effect on interest received.
Review my costs ↗Portfolio, contributions and reinvestment
What does each balance mean?
Available, invested and overdue money; actions to top up, withdraw and pause.
Understand the dashboard ↗How do the plans work?
The deposit process, recurring payments and where the payments received go.
View the plans ↗How do my loans work?
Notes, portfolios and the reinvestment settings I saw in my account.
View the loans ↗Reading results and assessing risks
Are interest and return the same?
How to distinguish contributions, returned principal, payments received and changes in value.
Read a statement ↗What could go wrong?
Risk of loss, availability of money and the limits of investor protection.
Review the risks ↗How do the numbers change if…?
Simulations of contributions, compound interest and payments after costs, with their assumptions.
Open the calculators ↗Declaring Mintos in Spain
Funding
Other questions: short answers by topic. You can check the sources and method and see how Creditplan is funded in Transparency.