Mintos Bonus Code 2026 (GO-MMB): Earn Up To €350 Sign-Up Bonus

What is the Mintos Bonus Code Offer?

Mintos is offering new investors a tiered welcome bonus of up to €350 when they sign up using our exclusive bonus code GO-MMB. The campaign renews monthly and is open to investments across Loans, Bonds, ETFs, Real estate and crypto ETPs (Smart Cash is excluded). The bonus is paid after a 90-day holding period.

What is Mintos?

Mintos is Europe's largest alternative investment marketplace, founded in Latvia in 2015. It now serves more than 600,000 registered users and manages over €800 million in assets across loans, bonds, ETFs and real estate. Mintos is licensed and supervised by the Bank of Latvia (the Latvian central bank) as an authorised investment firm under MiFID.

Investor cash and securities are held separately from Mintos' own assets and are protected up to €20,000 under the EU investor compensation scheme (Directive 97/9/EC). This regulatory setup puts Mintos in a stronger position than many unregulated P2P platforms that have come and gone in the European market over the last decade.

What you can invest in on Mintos

• Loans: fractional consumer and business loans from vetted loan originators across multiple countries, with many backed by a buyback guarantee.
• Bonds: corporate and government bonds with regular coupon payments.
• ETFs: globally diversified ETF portfolios.
• Real estate: fractional real estate investments starting from €50, paying rental income.
• Smart Cash: a flexible cash product with daily liquidity (note: Smart Cash deposits do not count towards the welcome bonus).
• Crypto ETPs: regulated crypto exchange-traded products for indirect crypto exposure.

Mintos also offers a fully automated Core Loans portfolio targeting an average interest rate of 9.0% on loan investments. Personal support is available in over 10 languages.

How to Claim Your Mintos Bonus

Claiming the bonus is straightforward. The two things that trip people up are forgetting to enter the promo code during registration, and assuming Smart Cash deposits count (they do not). Follow the four steps below in order.

Mintos Bonus Tiers

The bonus you earn scales with the amount you invest. Mintos changed the structure on 1 May 2026: the entry point dropped from €1,500 to €500, and the maximum bonus increased from €200 to €350 at €25,000 invested. The effective bonus rate now ranges from 1.0% on smaller investments to 1.4% at the top tier.

Note: investors who used to invest in the €1,500-€2,500 range will receive a smaller bonus under the new tiers than under the previous structure. The new tiers are most rewarding for either very small investors (€500 entry point) or larger investors aiming for the €350 maximum.

Mintos Bonus Terms and Conditions

A few key conditions to be aware of before you commit:

• You must be a new user with no previous Mintos account.
• The minimum qualifying investment is €500.
• The bonus code GO-MMB must be entered during registration.
• Investments in Smart Cash do not count towards the bonus.
• You must keep your money invested for an additional 90 days after the campaign period (currently ending 31.05.2026) for the final bonus to be paid.
• The campaign renews monthly, so the deadline rolls forward in regular cycles.
• The final bonus is credited to your Mintos account within five business days after the 90-day hold completes.

Is Mintos Right for You?

Mintos can be a useful piece of a diversified portfolio if you are comfortable with the specific risks of P2P lending and alternative investments. It is not a substitute for a regulated brokerage account for stocks and ETFs, and it is not a savings account.

Mintos may be a good fit if you:

• Want to diversify beyond traditional stocks and bonds into loans and alternative income assets.
• Are looking for higher potential returns than a savings account (with correspondingly higher risk).
• Have at least €500 to commit for the bonus, or €50 to test the platform.
• Are comfortable with the risk of borrower default, even with buyback guarantees in place.
• Value a regulated EU platform with an investment firm licence over a smaller unregulated competitor.

If you are unsure whether Mintos aligns with your investment goals, our broker matching tool can help you compare alternatives based on your specific profile.

Tips for Maximizing Your Mintos Experience

• Diversify across loan originators: spread your investment across multiple loan companies rather than concentrating in one.
• Use Auto Invest: set up one or more Auto Invest strategies so capital is deployed automatically as new loans become available.
• Prioritise buyback-guaranteed loans: these give the loan originator an obligation to buy back loans that are 60+ days late, which is a meaningful layer of protection.
• Reinvest your returns: turning on automatic reinvestment compounds your returns over time.
• Watch the loan originator scorecards: Mintos publishes regular updates on originator performance, which is the best signal of underlying risk.

Frequently Asked Questions

How does the Mintos bonus code work?

The bonus code GO-MMB gives new Mintos users a tiered welcome bonus of up to €350 when they invest at least €500 through our link. The exact bonus depends on your total qualifying investment and is paid after a 90-day holding period.

What is the minimum investment to claim the Mintos bonus?

€500 is the new minimum to qualify, down from €1,500 under the previous structure. Smart Cash deposits do not count towards this minimum.

How long until I receive the bonus?

You need to keep your money invested for 90 days after the campaign period ends (currently 31.05.2026). The final bonus is credited to your Mintos account within five business days after that 90-day hold.

Is Mintos regulated?

Yes. Mintos is an authorised investment firm licensed and supervised by the Bank of Latvia (the Latvian central bank) under MiFID. Investor cash and securities are held separately from Mintos' own assets and are protected up to €20,000 under the EU investor compensation scheme (Directive 97/9/EC).

Can existing Mintos users claim this bonus?

No. The bonus is for new users only. If you have previously held a Mintos account, you are not eligible.

What happens if I withdraw my investment before 90 days?

If you withdraw before the 90-day holding period is complete, you may forfeit the bonus according to Mintos' terms. Plan to leave the qualifying amount invested for the full period.

Which products count towards the bonus?

Investments in Loans, Bonds, ETFs, Real estate and crypto ETPs all count towards the bonus. Smart Cash deposits are excluded. Note that some bonds and real estate investments scheduled to start after 31.05.2026 may not count.

Does Mintos offer a mobile app?

Yes. Mintos has iOS and Android apps for managing your portfolio, depositing funds, and setting up Auto Invest strategies on the go.

Conclusion: Is the Mintos Bonus Worth It?

The refreshed bonus is more accessible than it used to be. The €500 entry point removes a real barrier for first-time P2P investors who were not ready to commit €1,500, and the €350 maximum at €25,000 invested is a 75% increase on the previous top tier. The trade-off is that the mid-range tiers (around €1,500-€2,500 invested) now pay less in absolute terms than under the old structure.

Combined with the platform's regulated EU setup under the Bank of Latvia, the broader product range (Loans, Bonds, ETFs, Real estate, crypto ETPs) and 600,000+ user base, this is a credible offer if you are looking to add alternative assets to a diversified portfolio. As always, only invest what you can afford to lose, and treat the bonus as a tailwind rather than the reason to invest.

If you are weighing Mintos against other European P2P and passive income platforms, Monefit SmartSaver is another option to compare, offering up to 7.50% APY on flexible deposits with daily liquidity. To explore other welcome bonuses across brokers and platforms, visit our complete bonuses page, or use our broker matching tool to find the right platform for your goals.

Remember to use bonus code GO-MMB when signing up through our special link to claim your bonus.

Trading and investing involves significant risk and may not be suitable for all investors. The value of investments can go down as well as up, and you may lose some or all of your initial investment. Past performance is not indicative of future results.