Mintos Invest & Access review

Mintos invest and access

One of the key questions for investors comes down to liquidity – how easily can they convert an investment to cash? In the past, investors often had to make a tradeoff between earning high returns, or having high liquidity. Mintos wanted to be better for their investors, so they created a new way to invest that combines the best of both worlds. Mintos is proud to present to you Mintos Invest & Access!

What is Mintos Invest&Access?

Mintos Invest&Access is a similar product to Bondora’s Go & Grow, except Mintos Invest and Access offers returns up to 12% instead of Bondora’s 6,75%.

In my opinion the Mintos Invest&Access is a great new product and suits perfectly to investors, who are new to P2P lending.

At this time more than 85% of Mintos investors are using auto invest, including me. So the next logical step for Mintos was to make a fully automated and diversified investment product which is exactly what Mintos Invest&Access is.

My Mintos Invest & Access Overall Rating:

I rate Mintos Invest & Access 4.5 out of 5.


Mintos invest and access new product

How does Mintos Invest and Access work?

Invest & Access is a fully automated way of investing. To get started, you just select the amount you want to invest. You’ll get a portfolio of loans that is diversified across the marketplace and offers great returns.

What’s special about Invest & Access?

Unlike many investing opportunities, Invest & Access does not lock your money in for a long time. If you need it sooner, you can cash out anytime – no questions asked, and no extra cost.

What’s the expected interest rate?

How much you can earn depends on what’s in your portfolio and what’s available on the market. Invest & Access is optimized for portfolio sizes of 500 EUR and more. If your balance is less than 500 EUR when you create your portfolio, diversification may not work correctly, and as a result you may experience lower returns. For optimal performance, we recommend investing 500 EUR or more.

Mintos Invest&Access is super easy to use

Mintos Invest and Access – The easy way to invest. Just set an amount, and that’s it. You’ll start earning competitive returns in no time.

Liquidity of your money

Need your money? Now you can get your investment back any time – even if the loans haven’t reached maturity.

Cash out instantly

Tell us how much you want to withdraw from Invest & Access. We’ll sell loans in your portfolio to other investors and credit the money to your Mintos account. You’ll usually get your money instantly, depending on market demand.

Selling late loans

We can’t sell late loans for you (coming soon) – but you can get your money when they recover or reach buyback. Or you can sell them on the secondary market.

Mintos Invest and Access is ahead of the pack

Faster than everyone else. Mintos Invest & Access invests before other investors. Lead the market, don’t follow.

First to buy loans, before they are listed on the primary market

Don’t miss out on loans that are in high demand – get ahead of other ways of investing on Mintos.

Invest and Access has no fees

Mintos Invest&Access is free from any fees. There is no even withdrawal fee like 1 euro on Bondora Go&Grow.

Where’s the catch?

As with any transaction, Invest & Access needs a buying side – your loans will sell to other investors. If there’s no demand on the market, selling might take a little longer.

– Let Mintos know how much you want to cash out. They take current loans from your portfolio and sell them to other investors using Invest & Access.
– If a loan in your portfolio is late, you can get your money when it recovers or buyback kicks in.
– You can also sell late loans on the secondary market (coming soon).

Join Mintos today and get 1% cashback bonus

Register here –

join mintos today

Mintos has arranged a deal with me, which gives you an exclusive 1% bonus on all investments you make within the first 90 days from your registration if you sign up through one of my links. You will not get this bonus if you sign up directly on

Click here to receive an exclusive 1% bonus!

Join Mintos to receive and exclusive 1% bonus

Why invest through Mintos or Mintos Invest and access?

Mintos is the leading peer-to-peer lending marketplace in continental Europe that connects investors with borrowers of various loan originators from around the world. It is an easy and transparent alternative to the traditional banking system.
The platform launched in January 2015. Mintos currently serves 59 loan originators and more than 146 965 investors from 73 countries. Mintos has funded more than 2.4 billion euros since it started.

Why invest through mintos

Buyback guarantee

To protect investors from borrower defaults, many loan originators on the Mintos marketplace offer a buyback guarantee. The buyback guarantee means that if the loan is delayed by more than 60 days, the loan originator will repurchase the investment for the nominal value of the principal and the accrued interest till the date of repurchase. This happens automatically and with no additional efforts required from the investors’ side. On the marketplace, loans with a buyback guarantee are marked with .

In general, loans with a buyback guarantee come with a lower interest rate than loans without it – the difference is the approximate estimated annualized bad debt rate.

What kind of returns should you expect from Mintos?

I have been getting a solid 11,5-13% of net annual return from Mintos since I started investing there. Also I would like to point out that not a single loan from my portfolio has defaulted so far, which is superb!
By Mintos numbers, the average net annual return is 11,66%. If you sign up through my Mintos promo code, you will receive an additional 1% extra!

My Mintos account overview and Mintos review

Be sure to check out my Mintos review –

Also, you can see my Mintos portfolio here –

My account overview at Mintos:

Mintos account overview january 2020

Share your opinion

Are you already an investor at Mintos? In other words, please share your thoughts on the platform in the comments section below. Does it meet you expectations? In addition, do you try to diversify as much as possible, or do you prefer to invest in a few quality partners? How much of your portfolio would you be willing to invest into a P2P platform like this?

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