Mintos Bonus Code 2026: Up to €500 With INVEST26
Status: the Mintos bonus is running until 30 September 2026
The €500 headline is the top of a tier table and requires €25,000 invested, so most new customers will qualify for a smaller amount. The first tier starts at €1,500. The sections below set out the full tiers, who is eligible, which products count, and how long the qualifying investment must remain in place.
Latest Mintos bonus status
The Mintos welcome offer is live for new customers who register through our link with code INVEST26. Registration and qualifying investments must be completed between 24 August and 30 September 2026. The bonus works in tiers rather than as a single flat payout: the first €20 tier requires €1,500 invested, while the €500 top tier requires €25,000.
Loans, bonds, ETFs, crypto ETPs and real estate all count towards the qualifying amount, while Smart Cash does not. If you open an account through our link, we may earn a commission at no extra cost to you. Eligibility and payment are decided by Mintos under its official offer terms.
How the current bonus campaign works
These are the terms Mintos is running now, read from the official offer page and the terms document linked from it.
What the campaign offers
- Qualifying products: loans, bonds, ETFs, crypto ETPs, and real estate
- Excluded product: Smart Cash
- Promo code: INVEST26
- Holding condition: maintain the qualifying investment through 31 December 2026
- Bonus tiers: €20 at €1,500, €35 at €2,500, €75 at €5,000, €175 at €10,000, and €500 at €25,000
- Bonus payment: by 15 January 2027
Who can take part
The offer is open to new customers who register through an active affiliate route. Anyone who has held a Mintos account at any point in the previous 12 months is not eligible. Mintos sets and verifies eligibility, so the final decision on any bonus sits with the platform and its terms.
The holding condition is the term we would highlight to anyone comparing this campaign against offers elsewhere. The outstanding qualifying investment must stay at or above its 30 September level through 31 December 2026. Moving repayments, interest, coupons, or other returns into cash can cause the bonus to be forfeited unless they are reinvested in eligible products.
What changed on Mintos
On 21 July 2026, Mintos launched self-selected ETFs. Investors can choose individual funds from a range Mintos advertises as more than 1,000 UCITS ETFs, with fractional orders starting at €1 and no Mintos buy or sell fee.
This sits alongside Core ETFs, the automated portfolio option, and gives investors a way to build their own fund allocation inside the same account they use for loans, bonds, crypto ETPs, and real estate.
Self-selected ETFs and Core ETFs
| Feature | Self-selected ETFs | Core ETFs |
|---|---|---|
| Who chooses | The investor | Mintos portfolio service |
| Minimum | €1 | €50 |
| Rebalancing | Manual | Automatic |
| Investment plan | Listed as coming soon | Available |
Self-selected ETFs put the decisions in the investor's hands. You choose each fund, set the allocation, and place each order yourself, from €1.
Core ETFs is an automated portfolio service with a €50 starting point. It rebalances and reinvests without input from you.
One practical difference matters for regular contributors: the investment plan feature is live for Core ETFs and listed as coming soon for self-selected ETFs. Anyone who wants scheduled automatic contributions into their own fund picks will be placing those orders manually until that arrives.
Fees, order execution, and limits
Mintos charges no buy or sell fee on ETF orders, and says ETF holders pay no Mintos custody, holding, or inactivity charge. Each fund still carries its own ongoing charge, the TER, which is applied through the fund price, so holding an ETF on Mintos still has a cost attached. Mintos explains these charges on its ETF fees page.
The execution mechanics are worth reading before you place an order:
- Market orders only: you take the price available at execution rather than setting your own limit.
- Tradegate execution: Mintos says orders execute through Tradegate Exchange. The Mintos Order Execution Policy names Upvest Securities GmbH as the third-party broker used for that execution.
- No cancellation route: once an order is accepted, it generally cannot be cancelled or amended.
- Settlement takes time: sell proceeds can take up to three business days to become available.
The combination of market orders and no cancellation route is the point we would flag most strongly. On a volatile morning, an investor placing a large order has no price ceiling and no way to pull the order back.
The pages we reviewed do not set out a currency conversion policy covering every ETF line, so we are not telling you that all orders settle without conversion. Check the currency of the specific line before you buy.
Is Mintos regulated
The contracting investment firm is AS Mintos Marketplace, which is licensed and supervised by Latvijas Banka.
Mintos says investors directly own the ETF units credited to their accounts, and that those units are held in the investor's name in a segregated custody account. The ETF pages we reviewed do not name the custodian, so we cannot tell you who holds the units. Upvest Securities GmbH appears in the Order Execution Policy in the execution role described above, which is a separate function, and we are not presenting it as the custodian.
Latvia's investor compensation scheme covers outstanding liabilities up to €20,000 where Mintos cannot return eligible financial instruments or cash. That cover applies to a failure to return assets. It does not extend to market losses, a fall in the value of an ETF, poor fund performance, or losses caused by illiquidity.
Who Mintos may suit
Mintos may suit investors who want several asset classes in one account, covering loans, bonds, ETFs, crypto ETPs, and real estate, and who understand the risks attached to each of them. The self-selected ETF launch makes that account more useful for anyone who was previously restricted to the automated portfolio.
The €1 minimum also lowers the cost of finding out. An investor who is curious about the ETF range can place a small order and see how execution, reporting, and settlement behave before moving anything meaningful across.
Investors who need limit orders, a documented transfer process, or a mature dedicated ETF broker may prefer another platform. Those are ordinary requirements for a long-term ETF portfolio, and we would not talk anyone out of them.
Frequently asked questions
Is there an active Mintos bonus right now?
Yes. From 24 August to 30 September 2026, new customers can use code INVEST26 and earn a bonus of up to €500. The first tier starts at €1,500, and the €500 top tier requires €25,000. The qualifying investment must be maintained through 31 December 2026.
Which Mintos promo code should I use?
Use code INVEST26 during registration. Our tracked Mintos link was tested on 25 August 2026 and reached the official INVEST26 campaign page. Eligibility and payment depend on the official Mintos terms.
What is the minimum ETF order on Mintos?
Self-selected ETF orders start at €1 through fractional investing. Core ETFs, the automated portfolio, starts at €50.
How do self-selected ETFs differ from Core ETFs?
With self-selected ETFs you pick each fund and place each order. Core ETFs allocates, rebalances, and reinvests automatically. The investment plan feature is available for Core ETFs and listed as coming soon for self-selected ETFs.
What does it cost to hold an ETF on Mintos?
Mintos applies no buy or sell fee and says there is no Mintos custody, holding, or inactivity charge. Each fund charges its own TER, which is taken through the fund price.
Are ETF investments on Mintos protected?
Mintos says ETF units are directly owned and held in the investor's name in a segregated custody account. Latvia's investor compensation scheme covers outstanding liabilities up to €20,000 if eligible instruments or cash cannot be returned. Market losses fall outside that cover.
Our take
The bonus is worth having if you were already planning to open a Mintos account and are comfortable putting at least €1,500 into loans, bonds, ETFs, crypto ETPs or real estate, then maintaining the qualifying investment through 31 December 2026. On those terms it is a small extra return on money you intended to invest anyway.
It is a weak reason to invest more than you planned. The larger tiers only start at €5,000, and the issues set out earlier in this article do not shrink because a bonus is attached: the platform risks that come with holding several asset classes in one place, order handling that executes at market with no route to cancel once an order is placed, and market losses that Latvia's investor compensation scheme does not cover. Decide the amount on the investment case first, then treat any bonus as a minor addition.
Kai is an investor who helps people choose the right broker and invest with confidence. He founded MatchMyBroker, a broker-comparison site for a global audience, and EU Investing Hub, his European-focused investing site. He also runs the Smart Money with Kai YouTube channel, where he breaks down investing, brokers and personal finance.
The Mintos INVEST26 bonus of up to €500 is open to eligible new customers who register and invest at least €1,500 in qualifying products between 24 August and 30 September 2026. The qualifying investment must be maintained through 31 December 2026. The €500 top tier requires €25,000. Smart Cash is excluded. ETF units can fall in value, and Latvia's investor compensation scheme does not cover market losses.
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