Mintos Review: 1% Referral Bonus Up To €100
Mintos review covering the N3VOCS referral bonus, the €1,000 investment requirement, eligible assets, MiFID investor protection and P2P lending risk.
Rating
3.5/5
Best for
Adults comfortable locking €1,000 into P2P loans, bonds or ETFs for 90 days to earn a 1% bonus.
A serious referral bonus for serious money: join via the N3VOCS link, invest €1,000+ within 60 days and hold it to day 90, and you earn 1% of your average 90-day investment (capped at €100) while your referrer gets €25. Mintos is EU-regulated with investor protection up to €20,000, but this is P2P lending — borrowers can default, Smart Cash doesn't count, and early withdrawal kills the bonus. Only for money you can tie up and afford to risk.
Pros
- 1% bonus up to €100 for the new investor, €25 for the referrer
- Loans, bonds, ETFs and real estate all count
- EU-regulated (MiFID) with investor protection up to €20,000
- 500,000+ registered investors
Watch-outs
- €1,000 minimum investment is steep
- Money must stay invested for 90 days
- Bonus capped at €100
- P2P lending risk: borrowers can default
- Smart Cash excluded
Current related offer
Mintos offer page
Provider
Mintos
A proper grown-up referral deal from Europe's P2P lending scene. Sign up to Mintos through the referral link as a new investor, put at least €1,000 to work within 60 days, and keep it invested through day 90 — you pocket 1% of your average 90-day investment, capped at €100, while your referrer banks €25. Fine print matters here: only loans, bonds, ETFs and real estate count (Smart Cash is out), and this is not a savings account — borrowers can default, so your capital is genuinely at risk. Investing involves risk.
Requirement: €1,000+ invested within 60 days of registration, maintained until day 90
Medium15-30 minutes to register and fundPayout Credited once Mintos confirms the 90-day investment conditions are met
Verified 2 October 2026
Full claim instructions are on the Mintos offer page.
How it works
Register through the referral link, verify your identity, and invest at least €1,000 in eligible assets (loans, bonds, ETFs or real estate) within 60 days. Keep €1,000+ invested continuously until day 90, and Mintos credits 1% of your average 90-day investment (max €100) once the conditions are confirmed. Your referrer receives €25.
Main watch-outs
This is a 90-day commitment of at least €1,000 — withdrawing early forfeits the bonus. Smart Cash holdings don't count. P2P lending is not a savings account: loan originators and borrowers can default, and your capital can fall. The €20,000 investor protection covers custody, not investment performance.
FAQ
- How much do I need to invest for the Mintos referral bonus?
- At least €1,000 within 60 days of registration, maintained continuously until day 90.
- Is Mintos safe?
- Mintos is authorized as an investment firm in the EU under MiFID, with investor cash and securities protected up to €20,000. But P2P loans carry default risk — you can lose money. Capital at risk.
Last updated 2 October 2026. Reviews are informational only and not financial advice.