Mintos INVEST26: Claim Up to €500 Bonus for New Customers
With the INVEST26 promotion, Mintos gives new customers a tiered welcome bonus of up to €500. How the tiers work, which deadlines apply and what to watch out for – explained concisely.
Table of contents
Mintos has just launched a new customer promotion: under the motto "This is your moment", with the code INVEST26 you get a tiered bonus of up to €500 when you register via a partner link and invest within the promotion period. In this article I go through how the tiers are structured, which deadlines you have to keep an eye on and what else Mintos has to offer as a platform.
As always, the most important note up front: this is not investment advice and not a buy recommendation, but the presentation of a current partner promotion. Read through the participation conditions on the promotion page yourself before you start – especially with deadlines and eligible products, the devil is in the detail.
The promotion at a glance
Via my Mintos link* and the code INVEST26 you get, as a new customer:
- a tiered bonus of up to €500, depending on your cumulative investment amount
- access to five asset classes in one place: loans, bonds, real estate, ETFs and crypto ETPs
- a platform regulated under MiFID II, supervised by the Latvian central bank
- deposits protected up to €20,000 via the investor compensation scheme (no protection against price or loan losses)
With over 700,000 registered users and more than €800 million in assets under management, Mintos is one of the largest P2P and multi-asset platforms in Europe.
How the bonus is tiered
The clever part of the promotion: the more you invest, the higher the bonus. It's calculated using your cumulative investment amount over the promotion period – so you don't have to invest everything at once.
| Cumulative investment | Bonus |
|---|---|
| from €1,500 | €20 |
| from €2,500 | €35 |
| from €5,000 | €75 |
| from €10,000 | €175 |
| from €25,000 | €500 |
Important: only investments in loans, bonds, real estate, ETFs and crypto ETPs count for the bonus. Amounts you park in Smart Cash are not counted.
The deadlines: what you absolutely have to watch out for
The promotion has three dates you should remember – otherwise the bonus lapses despite investing:
- 30 September 2026: by this day your registration and your cumulative investments must have taken place. With some bonds and real estate the actual investment date can fall after 30 September – those amounts then no longer count for the bonus.
- 31 December 2026: you have to hold your investments until then. If you withdraw your capital earlier, you lose the bonus claim.
- 15 January 2027: on this day the bonus is credited to your Mintos account.
How to secure the bonus
1. Start via my link Click my Mintos promotion link*. This automatically attributes your registration to the promotion.
2. Open an account with the code INVEST26 Register as a new customer and enter the code INVEST26 during account opening. Without the code, the bonus promotion doesn't apply.
3. Invest Invest at least €1,500 in loans, bonds, real estate, ETFs or crypto ETPs by 30 September 2026. Depending on the cumulative amount, you unlock a higher bonus tier.
4. Hold the investment Leave your capital invested until 31 December 2026. On 15 January 2027 the bonus lands in your account.
What else Mintos offers
Mintos has long been more than just a pure P2P loan marketplace. Besides the classic, loan-backed investments, you can now also invest in bonds, real estate, ETFs and crypto ETPs there – all in one account. You can invest from €1, either fully automated via ready-made portfolios or manually. Savings plans automate your regular deposits.
As a MiFID II company under the supervision of Latvijas Banka, Mintos works with transparent fees, real-time tracking and segregated custody of your assets. That protects you against an insolvency of the platform (up to €20,000), but not against the actual investment risks – loans can default, prices fluctuate.
Who is the INVEST26 promotion worth it for?
- wanted to invest a larger amount at Mintos in loans, bonds, real estate or ETFs anyway
- can leave your capital invested at least until the end of 2026
- are looking for a MiFID-regulated platform with a broad product range in one place
- only want to invest the minimum amount – then the bonus of €20 is rather small
- want to stay flexible and withdraw your money again before the end of the year
- would only invest because of the bonus, without knowing the credit and platform risks
Conclusion
The INVEST26 promotion is above all interesting for investors who wanted to invest a larger amount at Mintos anyway: from €5,000 invested there's €75, and the full reward of €500 is available from €25,000. For small test amounts the effort is less worthwhile, since the bonus of €20 is then rather symbolic. If you can leave your capital invested until the end of the year anyway, the bonus is a nice extra – just watch the code INVEST26 and the three deadlines: claim the Mintos bonus via my link*.
You'll find all the other current P2P promotions bundled in my P2P bonus overview.
Frequently asked questions
How high is the bonus in the Mintos INVEST26 promotion?
The bonus is tiered and depends on your cumulative investment amount: €20 from €1,500, €35 from €2,500, €75 from €5,000, €175 from €10,000 and up to €500 from €25,000 invested. The condition is registration via a partner link and the code INVEST26.
Which code do I need for the Mintos bonus?
You have to sign up with the code INVEST26 during registration. It's best to first go to the promotion page via my link finlen.de/mintos and then enter the code during account opening.
Until when does the Mintos INVEST26 promotion run?
Registrations and cumulative investments are counted for the bonus until 30 September 2026. You then have to hold your investments until 31 December 2026 for your bonus claim to remain valid.
When is the Mintos bonus credited to me?
The bonus is credited to your Mintos account on 15 January 2027 – provided you held your investments until 31 December 2026.
Which products do I have to invest in for the bonus to count?
Investments in loans, bonds, real estate, ETFs and crypto ETPs count for the bonus. Amounts you park in Smart Cash are not counted.
Is Mintos regulated and safe?
Mintos is regulated as an investment firm under MiFID II and supervised by the Latvian central bank (Latvijas Banka). Your assets are held separately from Mintos's funds and protected under the investor compensation scheme up to €20,000. However, that does not protect against price losses or loan defaults.
Disclaimer
⚠️ Not investment advice
All content is for information and entertainment purposes only and does not constitute investment advice, a buy recommendation or an invitation to enter into a financial product. Please do your own research and make decisions based on your personal situation and risk tolerance.
📉 Risk warning & total loss
Investments in securities and other financial instruments generally carry significant risks (e.g. price, market, currency, volatility and credit risks). A total loss of the capital invested cannot be ruled out.
📊 Returns & forecasts
All performance figures, whether historical or as a forecast/estimate, are not a reliable indicator of future results. Capital and returns are not guaranteed.
🔍 Transparency & conflicts of interest
I strictly distinguish between facts and personal estimates. Important: I am often invested in the assets discussed myself, which can create a conflict of interest.
✅ DYOR (Do Your Own Research)
All information has been compiled carefully but is non-binding, without warranty and without any claim to completeness. Please inform yourself thoroughly and consider all opportunities and risks in depth before making an investment decision.
Advertising & affiliate notice
Links marked with * are advertising or affiliate links. If you sign up or buy something through such a link, I may receive a commission – at no extra cost to you. This supports my work.
