Mintos: my opinion after
Two years of experience.

This breakdown covers the 23 periods in the diary, from January 2025 through 2 November 2026. The latest period is partial. You can open each balance sheet and check its categories.

Advantages and limits I have been able to check

Which gave me confidence

Being able to withdraw cash gave me confidence to contribute more. The October’s €150 withdrawal and the historical outflows put figures to that part of the experience.

The monthly statements let me track interest received alongside fees and withholding taxes. That is the part I can describe in more detail; movements before 2025 have not yet been reviewed.

Which limits those results

Late funds and outstanding payments are part of my account. While I wait for your recovery, that money is not available for my expenses. I cannot take gross interest as a final benefit either: there are costs, taxes and valuation changes to take into account.

Most of the value of my account is in loans. Having several classes of assets on the Mintos menu does not mean that my portfolio is balanced between them. the distribution of my investments you see the actual weight of each product.

Is Mintos safe? What protection exists

Mintos is an investment company supervised by Latvijas Banka, the central bank of Latvia. investor protection documentation explains the separation of customer assets and the applicable compensation system.

This system provides for up to 20,000 € for certain obligations that Mintos has failed to fulfil towards the investor. Does not cover default losses of borrower, lender or issuer, price changes or market failure to sell. Being regulated does not convert loans into guaranteed capital.

Officially revised sources on 10 October 2026. To read my experience, that difference is essential: having collected interest or having withdrawn cash does not eliminate the risk of the money that continues to be invested. risk guide develops capital risk, liquidity and concentration.

One full month: September 2026

In September I charged 262.74 € of interest. When subtracting 9.82 € of fees and 13.13 € of withholdings remain 239.79 €. That subtraction describes these charges; the total result of the investment also requires losses, valuation changes and other movements.

The September balance sheet shows the original categories and movements. The breakdown of fees and outstanding payments complete the reading.

Why I Was Increasing Investment

Once I checked that, in my experience, withdrawing money from Mintos was simple, I decided to contribute more capital. I sought to increase the income I received every month. Experience with withdrawals influenced that decision and gave me confidence to continue using the platform.

In 2025 I contributed 8,000 € in January, another 10,000 € in March and 10,000 € in August. In total they were 28,000 € of new money during that year. The diary starts in January because it is as far as we have been able to review the extracts; my experience with Mintos comes from before.

I wanted to charge more interest, and to try to put more money into the account. That also means that I have more capital exposed. By comparing one month’s payments with another, I need to remember those contributions and the time that has passed since I made them.

The article on my contributions develops this decision and links the three-month balance sheets.

What I could check with the retreats

I have brought together the documented withdrawals and the April example: withdrawing €300 does not mean having earned €300. The article separates my experience of money reaching the bank from what the monthly statements establish.

Proving a withdrawal was important to me: checking that it was easy to make money encouraged me to continue contributing. To tell that first test with all its details I still have to locate its date and its amount.

In my case, the transfers usually arrive at the bank on the same day. Sometimes I have had the money in the account in just one or two hours. That time frame describes my cash transfers to the bank; not the time needed to sell investments or recover back funds, nor a guaranteed time frame for another person.

In 2025, I withdrew €200.00, and in the reviewed period of 2026, €1,485.42. October 2026 includes the €150 outflow I confirmed on 2 November. Monthly amounts alone do not indicate how long each transfer took to reach the bank.

This distinction matters for my goal of getting an extra income: it is one thing to receive interest within the platform and another to have that money out of it. The amount invested, the cash available and the pending funds have different situations.

How I read every month’s income

In January 2025 I collected 34.01 € interest. In December it was 318.91 €. That increase connects with what I was looking for by contributing more, although between a month and another there was also more money invested and it had been more time. To understand how the investment was I need to look at all that journey.

From January 2025 through 2 November 2026, I have received €5,074.70 of interest. I include regular interest, buyback interest, late-payment interest, Smart Cash and real estate interest when present. I do not count contributions or returned principal as income.

In order to evaluate a monthly income, I would like to distinguish from where the collection comes from, what period it covers and if it can be compared with the previous month. An amount received for repurchase or for a late payment can concentrate payments in one month. The total alone does not show that it will be repeated with the same regularity.

In chronology you can explore that evolution and open up each balance sheet. The Guide to Reading Results explains why the euro charged and annual profitability are different measures.

Extra income also has costs

Of the €5,074.70 of interest in the records, identified fees total €171.18 and withholding taxes €251.23. Subtracting them leaves €4,652.29. That is what remains of these payments after those two cost categories, before the final tax adjustment and other components of the investment result.

And here comes the Treasury. If you are a tax resident in Spain, the interest of Mintos Loan Notes is included in the income as return on capital, within the base of savings. That the platform is outside Spain does not leave them out. Leaving them in Mintos or reinvesting them does not prevent such taxation either.

Mintos holding a part doesn't mean it's all paid for in Spain. The declaration is based on gross interest before withholding and reviews whether the application of the international double taxation deduction This deduction has requirements and limits; the withholding does not guarantee that the income will automatically be refunded or deducted from all Spanish tax. Mintos annual tax report helps to verify and justify these amounts.

The tax-return guide explains taxation by tax year. A withholding tax in a statement is not the final tax and does not imply every fee is deductible.

The breakdown of fees shows this account visually and explains its scope.

Delays are also part of my experience

The dashboard of 2 November 2026 shows €330.87 in pending payments and €3,401.68 in “Overdue” funds. This is the part of my account that concerns me: continuing to receive interest does not make those amounts available.

In my delay tracking I compare Nera Capital and MFO FintechFinance balances, with observations from October and 2 November 2026. Recovery estimates remain estimates; I treat pending money as neither a definitive loss nor a guaranteed payment.

What I look at when reviewing the account

• What I have received after the identified fees and withholding taxes.
• Which money is available, which is still invested and which is still pending.
• Whether a change comes from a contribution, a payment received or a market valuation.

The figures and their sources

My results brings together the current dashboard and historical movements. The methodology explains the calculation, each source’s dates and unresolved discrepancies. My opinion does not turn these results into a forecast for someone else.

Usual questions when searching for opinions from Mintos