More charges for one month without deposits
The interest exceeded those of January at 32.86 €, but the extract does not allow to attribute that increase to an improvement of the interest rate: it also changes the payment dates and the time that the previous capital has been invested. The useful comparison here is between two-month payments, without turning it into a rate.
Smart Cash contributed 2.31 € of interest and showed 0.15 € of commission. That small part has its own categories and it is appropriate to keep it in order not to attribute all the revenues to the loans. The rest of the tracking is in the 1,056.79 € of returned capital and the final cash of 41.56 €; that cash is only part of the account.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 66.87 € |
| fees shown | 1.17 € |
| Tax withholdings | 3.22 € |
| Interest after shown costs | 62.48 € |
| Principal repaid | 1,056.79 € |
| Opening cash | 23.30 € |
| Closing cash | 41.56 € |
Interest less fees and withholdings is not the portfolio’s total return. The definitions and their limits are set out in how I read the results.
View all statement categories
| Mint Category | Amount |
|---|---|
| Investment | -1,000.00 € |
| Capital received | 292.54 € |
| Interest received | 58.87 € |
| Committees in arrears received | 0.00 € |
| Secondary Market Operation | -101.01 € |
| Income from principal received from the repurchase of the loan | 764.25 € |
| Income from interest received on the repurchase of the loan | 5.69 € |
| Interest income from late payments | 0.00 € |
| withholding of taxes | -3.22 € |
| Interest received - Smart Cash de Mintos | 2.31 € |
| Mintos Smart Cash Commission | -0.15 € |
| Commission by loan portfolios | -1.02 € |
The period and sources
Mintos transaction statement, from 2025-02-01 to 2025-02-28, reviewed on . The period covers a full calendar month. This is a retrospective record of my account, written from the statement.
Categories are rounded separately, so their sum may show a small difference. The shared method is set out in sources and methodology.