To locate each balance and each button, see the concepts and shares of a portfolio: available, inverted, returned, late and cash in portfolio, with an animated explanation of reloading, withdrawing and pause.
1. Recurrent deposit is programmed in the bank
Mintos explains that you can set up a periodic transfer from your bank. The data for the deposit is consulted in your account and the payment must include your investor ID. The frequency and amount of that order are set in the bank. Official aid for recurring deposits.
The new money that comes in this way is a contribution. To follow the savings, it is necessary to keep its date and its amount, just as I do with the contributions of My diary.
2. The plan is set up within Mintos
A plan sets out how much money you want to spend and when. In automated portfolios you recharge your cash from available cash; then the portfolio invests with its own adjustments. In Core Loans and Custom Loans, entering money in Mintos does not automatically recharge the portfolio anymore. Official cash assistance.
| Destination | What program the plan | Detail to be reviewed |
|---|---|---|
| Core Loans, Custom Loans, High-Yield Bonds portfolio and ETF portfolio | Reloads of portfolio cash on a regular basis. | Amount, date and frequency. Portfolio plans. |
| Individual ETF | Periodic purchase of the chosen ETF, from 1 €. | Mintos indicates that setting up and running the plan has no commission. ETF plans. |
| Cryptocurrency ETP | Periodic purchase of the chosen ETP, from 5 €. | First order of each plan: the highest of 0.49 % or 0.99 €. The following executions of the same plan are free of charge. Plans for ETP. |
Slide the table to view all columns.
In cryptocurrencies plans, cancel and create another plan regenerates the charge of the first order. The conditions of the instrument and its costs are reviewed separately. Detail of commission by plan.
Amount, frequency and date
For an automated portfolio, the aid indicates: opening the portfolio, choosing "Enter funds", entering the amount and selecting "Investment Plan". Then date and frequency are chosen, reviewed and confirmed. Frequencies are weekly, every two weeks, monthly or every three months; Core Loans and Custom Loans add the daily option. Plan Settings.
For an individual ETF or a cryptocurrency ETP, the plan is created from the instrument, with “Invest” and “Investment Plan”. Active plans are managed from their corresponding tab. Instructions for ETF and for cryptocurrency ETP.
An example of 50 € per month
Imagine a bank transfer of 50 € each month and a monthly plan that directs 50 € to an ETF portfolio. First the funds must arrive; when the plan is executed, it will use the available cash. If the plan date falls before the transfer arrives, there may be a missing balance.
After three contributions you would have sent 150 € from the bank. Purchases and the value of the position are followed separately: the value can change and the funds may not have been invested yet. It is an example of operation, without an assumed return.
THE EXAMPLE OF MY ACCOUNT
Payments to the portfolio
August and September 2026 each show payments of €50 to my ETF portfolio. Full October records another €300. In total, I have allocated €400.00 through 2 November 2026, compared with a value of €401.48 in the overview of 2 November 2026. Payments alone do not establish an automatic plan: I check its settings for that.
These movements were made within Mintos. It is still necessary to check whether they came from an automatic plan or manual orders; repeating an amount does not show how it was configured.
My experience with ETF link the three balance sheets.
3. Choose what happens to payments
Core Loans and Custom Loans allow you to reinvest interest and principal, reinvest only the principal and bring interest to available cash, or bring both to available cash. That adjustment determines the destination of money that returns from loans. Income aid.
The return of the principal is returning capital. To measure the extra income, I follow interest and costs in their own categories. To collect within Mintos also does not amount to receiving a transfer in the bank.
There is an interaction to consider: if the interest goes to the available cash and a daily plan reloads that same portfolio, they can end up again within it. The collection adjustment and the plan should be read together. Official explanation of such interaction.
What happens if balance is missing or you want to change it
- There's no balance. In automated portfolios, there are re-attempted during the day and, if not completed, on the next scheduled date. The daily loan plan allows you to choose a partial allocation up to the expected limit. Source.
- ETF and cryptocurrency ETP. If cash is not available, the scheduled purchase is omitted and attempted in the next interval. The plan remains active. ETF and ETP.
- Change or cancel. You can change the amount, calendar or frequency, or cancel the plan. That affects future executions; previous investments keep your journey. Pausing a portfolio also does not cancel the plan that assigns cash to you. Mintos conditions, paragraph 6.16.
- The bank's order has its own calendar. To stop sending money, the periodic transfer is also managed in the bank. How that order is established.
Automation maintains an instruction according to its conditions. Revenue, the value of investments and the possibility of recovering capital depend on the product. You can follow the effect of contributions on the Composite interest calculator and review the risk guide.
Sources and date of revision
Official assistance from Mintos on deposits, cash, portfolio plans, ETF, cryptocurrency ETP and yields, linked to each explanation. Terms of use, April version of 29 of 2026, paragraph 6.16. Review: .
My payments come from the EUR Transaction summaries through 2 November 2026, with closed months and partial periods identified in the diary, and the value comes from the general overview of 2 November 2026. Plan settings were last checked on 23 October: Core ETFs displayed “Configure”, with no amount or next date, and no active crypto plans appeared. That historical observation does not confirm the current settings or a new bank deposit.