The trial that encouraged me to continue
I started trying Mintos a little at a time. Once I found withdrawing cash straightforward, I decided to contribute more in search of extra monthly income. The statements let me follow the cash outflows recorded afterwards.
In my experience, transfers usually reach the bank the same day, and some arrived within one or two hours. That is my experience, not a guaranteed timeframe. Monthly summaries do not contain the request times or bank credits needed to measure each transfer.
Historical withdrawals
| Period | Amount withdrawn |
|---|---|
| October 2025 | 200.00 € |
| January 2026 | 130.00 € |
| February 2026 | 100.00 € |
| March 2026 | 120.42 € |
| April 2026 | 300.00 € |
| May 2026 | 135.00 € |
| June 2026 | 250.00 € |
| September 2026 | 300.00 € |
| October 2026 | 150.00 € |
| Total through 2 November 2026 | 1,685.42 € |
Amounts are monthly totals; one row may include several transfers.
The journal starts in January 2025. That is the period reconstructed from statements, not the date I opened my account or the identification of the first trial that gave me confidence.
October’s €150 withdrawal
On 2 November, I confirmed that I had recently made a €150 withdrawal. The EUR statement from 1 to 31 October, viewed that same day, records €150.00 under “Withdrawal”. That is the amount added to the history in this article.
The statement establishes the monthly total; it does not give this transaction’s date and time or when it reached the bank here. To measure how long it took to complete, I need to match the request and its Mintos status to the corresponding bank credit.
The October record now covers the full month. The €150 outflow is included only once in total withdrawals.
April 2026: I withdrew €300, but payments received after costs were €260.25
There were no external deposits in April. The statement records a €300.00 withdrawal and €284.17 in interest. After subtracting €10.02 in fees and €13.90 in withholdings, interest comes to €260.25. The withdrawal exceeds that amount by €39.75.
It would be misleading to say I took out €300 in profit in April. Cash also received €3,754.95 of returned principal and started the month at €106.80. Those amounts sit alongside interest in the account; the statement does not assign which specific euros funded the withdrawal.
| Figure from the summary | Amount | What it allows me to verify |
|---|---|---|
| Opening cash | 106.80 € | There was already a balance before the month’s payments arrived. |
| Interest received | 284.17 € | Gross payments received for the period. |
| Fees and tax withholdings | 23.92 € | The subtraction leaves €260.25, without calculating the portfolio’s total result. |
| Principal repaid | 3,754.95 € | Principal returned to cash, separate from income. |
| Withdrawal | 300.00 € | Outflow recorded by Mintos. |
| Closing cash | 160.12 € | Balance after all the month’s inflows, investments and outflows. |
Even after withdrawing €300, cash ended €53.32 above the opening balance. Understanding this requires including new investments and the other statement categories. The April statement retains that detail and the one-cent difference from rounding its categories.
What this experience tells me about liquidity
The withdrawals document cash leaving Mintos. They do not prove that I can sell the entire portfolio immediately or access the Fund arrears. Before counting on an amount to cover my expenses, I need to distinguish available cash, invested money and payments still pending.
I also separate “Withdrawal” from “Withdrawal of Notes from a Mintos strategy”. The second label appears in the records and describes an investment movement; I have not added it as a bank transfer. You can review the differences between balances and actions in the portfolio guide.
What these sources establish
The summaries show cash outflows and their monthly amounts. My account of the experience describes the transfers and confirms the recent €150. Measuring that specific transaction’s timing still requires the request, its status on Mintos and the bank credit.
Sources and period
EUR statements for my account through 2 November 2026, with the consultation date for each period in the journal. I confirmed the October 2026 withdrawal of €150 on 2 November. My experience of the money reaching my bank is described in My experience.
The amounts are monthly aggregates. No transfer identifiers, bank accounts or personal supporting documents are published. Sources & method explains the limits of this reconstruction.