Another line in the summary
Mintos presents Smart Cash as an investment in a money market fund. In my account it appears separately from loans and available cash. Its weight is 0.6 % in the observation of 2 November 2026.
How capital has moved
| Movement in Mintos | Amount |
|---|---|
| Position of Smart Cash of Mintos | -5,415.00 € |
| Smart Cash Mintos fertiliser | 5,200.00 € |
| Interest received - Smart Cash de Mintos | 2.69 € |
| Mintos Smart Cash Commission | -0.18 € |
Movements, month by month
- January 2025 ↗
- Position of Smart Cash of Mintos-5,000.00 €
- Smart Cash Mintos fertiliser5,000.00 €
- February 2025 ↗
- Interest received - Smart Cash de Mintos2.31 €
- Mintos Smart Cash Commission-0.15 €
- September 2026 ↗
- Position of Smart Cash of Mintos-415.00 €
- October 2026 ↗
- Smart Cash Mintos fertiliser200.00 €
- Interest received - Smart Cash de Mintos0.38 €
- Mintos Smart Cash Commission-0.03 €
Negative amounts are outflows from statement cash. A payment directed to another investment remains within Mintos. The latest period runs through 2 November 2026; monthly categories may differ by a few cents due to rounding.
In January 2025, €5,000 went in and the same amount came out. In September 2026, another €415 was allocated to Smart Cash, and in October €200 returned to Mintos cash. These are movements between products within the account.
Across the whole record, debits total €5,415.00 and credits €5,200.00. The balance between those movements leaves €215.00 allocated to Smart Cash. Interest and fees are counted separately.
Interest and fees
The statements show €2.69 of interest and €0.18 of fees. Subtracting these two categories leaves €2.51, before any other applicable tax adjustment or cost.
The dashboard result is a different measure
The general overview shows €2.67 as the result. The statement lets me add interest and charges for a period; the dashboard retains its own calculation. Without its breakdown, I do not turn the difference into additional income or use it to calculate an annual return.
The €200 that returned to cash
The October credit documents money that left Smart Cash and returned to Mintos cash. Measuring a later bank transfer would also require the withdrawal request and the bank credit. You can see my cash withdrawals and how they differ from internal movements.
Sources
General overview of 2 November 2026 and EUR Transaction summaries from January 2025 through 2 November 2026. October 2026 covers the full month. The latest period, November 2026, runs through 2 November 2026. Fees are those shown in these statements.
General operation: Mintos Smart Cash, consulted on 8 October 2026.