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Mintos vs Bondora

<article>
<h2>Mintos vs. Bondora</h2>
<p>Mintos and Bondora are the two P2P platforms that we&rsquo;ll be comparing today. We&rsquo;re taking an in-depth dive into their statistics and discussing the risks and returns, support options, usability, and liquidity so that you have all the information to decide on which platform you want to invest in.</p>
<p>Mintos is the largest and most popular marketplace in Europe, which lists loans from 30 different countries, whereas Bondora is a P2P company that acts as the lending company. Bondora originates loans mainly in Estonia and is one of the oldest <a href="https://p2pempire.com/en/p2p-lending">P2P lending</a> platforms.</p>
<table class="comparison3">
<tbody>
<tr>
<th>&nbsp;</th>
<th>Mintos</th>
<th>Bondora</th>
</tr>
<tr>
<td><strong>Investor base</strong></td>
<td>496.000</td>
<td>153.000</td>
</tr>
<tr>
<td><strong>Operating since</strong></td>
<td>2015</td>
<td>2009</td>
</tr>
<tr>
<td><strong>Minimum investment amount</strong></td>
<td>&euro;50</td>
<td>&euro;1</td>
</tr>
<tr>
<td><strong>Deposit / withdrawals</strong></td>
<td>Within two days</td>
<td>Within a few minutes</td>
</tr>
<tr>
<td><strong>Protection</strong></td>
<td>60-day buyback obligation (not always reliable)</td>
<td>No protection</td>
</tr>
<tr>
<td><strong>Interest for delayed payments</strong></td>
<td>Only for selected lending companies</td>
<td>0.2% interest, except for Finnish loans</td>
</tr>
<tr>
<td><strong>Defaults</strong></td>
<td>&euro;1.2M defaults and bad debt, over &euro;80 M is capital in recovery, &euro;121 M in pending payments</td>
<td>&euro;66 M in recovery</td>
</tr>
<tr>
<td><strong>Average interest </strong></td>
<td>12.4% p.a., the net return is unknown</td>
<td>31.4% p.a., the net return is 8.7%</td>
</tr>
<tr>
<td><strong>Loan types</strong></td>
<td>Short-term or personal loans</td>
<td>Unsecured personal loans</td>
</tr>
<tr>
<td><strong>Secondary market</strong></td>
<td>Yes for a 0.85% fee, not very liquid, the cash-out option for automated strategies is limited</td>
<td>Yes, with instant withdrawals for Go &amp; Grow</td>
</tr>
<tr>
<td><strong>Auto Invest</strong></td>
<td>Custom, Predefined Strategies, Manual Investing</td>
<td>Portfolio Builder, Portfolio Manager, Go and Grow</td>
</tr>
<tr>
<td><strong>Ratings</strong></td>
<td>Risk Score</td>
<td>Risk Classes</td>
</tr>
<tr>
<td><strong>Diversification</strong></td>
<td>+80 lending companies from 33 countries</td>
<td>One lending company, currently available loans from Estonia 83% and Finland 17%</td>
</tr>
<tr>
<td><strong>Total loan volume</strong></td>
<td>&euro;8.3 B</td>
<td>&euro;669 M</td>
</tr>
<tr>
<td><strong>Interest earned</strong></td>
<td>&euro;174,000,000</td>
<td>&euro;80,000,000</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo promotable" value="mintos">Sign Up</button></td>
<td><button class="redirect external_link_button promo promotable" value="bondora">Sign Up</button></td>
</tr>
</tbody>
</table>
<center>
<p><em>The data in the table was updated in October 2022.</em></p>
<p><mark>Watch our video comparison between Mintos and Bondora. 👇👇👇</mark></p>
<div class="video"><iframe src="https://www.youtube.com/embed/NDuWjT4TA5Q" frameborder="0"></iframe></div>
<p><mark>Remember to always consult our <a href="https://p2pempire.com/en/review">independent reviews</a> to review the latest developments.</mark></p>
<button class="redirect external_link_button promo" value="bondora">Start with Bondora's Go &amp; Grow</button></center>
<h2>Risk and Return</h2>
<p>Here, we&rsquo;ll look at some risks and returns with these two platforms, starting with Mintos.</p>
<p>One of the risks when using Mintos is that it&rsquo;s just a middle man and the company isn&rsquo;t in charge of the debt collection but only deals with potential recoveries.</p>
<p>The performance of many lending companies wasn't excellent in the past few months, and many investors lost money and trust in the platform. Investors' on Mintos have over &euro;204 M of their funds in recovery or pending payments, meaning they can't access this money.</p>
<p>A benefit of Bondora is that the platform recovers the debt by itself. However, a big part of the current portfolio is regularly delayed, which increases the risk of your investments.</p>
<p>On the other side, Bondora&rsquo;s high-risk loans also offer much higher interest rates which means that Bondora still somehow manages to pay out the promoted return of 4% per year for its Go and Grow users.</p>
<p>In most cases, you should always prioritize quality over quantity. By the looks of Bondora&rsquo;s portfolio, quality and quantity don&rsquo;t amaze us, nor does the interest of 4% per year.</p>
<p>Investing on both platforms is connected to risks, which are difficult to estimate, mainly due to the huge amount of funds in recovery. If you are looking for a hassle-free platform, we suggest reviewing&nbsp;<a href="https://p2pempire.com/en/review/esketit"> Esketit </a>or <a href="https://p2pempire.com/en/review/robocash">Robocash</a>.&nbsp;</p>
<h2>Usability</h2>
<p>In terms of usability, Mintos can be a very confusing platform. Experienced investors will be able to tell right away that Mintos wants you to invest in all lenders.</p>
<p>This is why they hide advanced functionalities which give you more control over your investments.</p>
<p>With Bondora, their Go and Grow product is straightforward to use; however, the rest of the product line is a bit more complex, and many investors have already lost money by using some of their other products.</p>
<p>Also, their statistics page is not helpful, and while they offer a downloadable loan book, the data provided in this will be overwhelming, especially for a beginner.</p>
<p><mark>If you are just starting to invest in P2P loans, Bondora's Go &amp; Grow product will be the most accessible investment tool if you aim to invest lower monthly amounts.</mark></p>
<h2>Liquidity</h2>
<p>Looking at liquidity, Bondora&rsquo;s Go and Grow is the most liquid product on the market. We have been testing the Go &amp; Grow for the last year, and Bondora managed to fulfill the liquidity and the promised return of 4% for the most part.</p>
<p>Mintos&rsquo; products come with contingencies, and even the secondary market isn&rsquo;t as liquid. Mintos has also introduced pending payments, loan extensions, and funds in recovery. These measures cripple your liquidity and, by extension, lower your expected returns.</p>
<h2>Support</h2>
<p>To get in contact with customer support, contact the Mintos support team via email at support@mintos.com. You can also use the live chat function on Mintos to resolve your questions.</p>
<p>Bondora has stopped its live chat function and now relies solely on email customer service, which you can reach at <a href="mailto:investor@bondora.com">investor@bondora.com</a>. Generally speaking, there is potential for improvement in the communication department of both companies.</p>
<h2>Final Verdict: Mintos vs Bondora</h2>
<p>Neither platforms are perfect. However, they both have pros and cons, which we&rsquo;ll summarise to help you decide which one to invest in.</p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/mintos-review.webp" border="0" alt="mintos review" width="auto" height="auto" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/mintos-review.webp" />
<p>Mintos is suitable for more sophisticated investors who pick their loan originators and set up individual auto invest portfolios. We suggest using Mintos only for experienced P2P investors with excellent knowledge in risk assessment.</p>
<button class="redirect external_link_button promo" value="mintos">Sign Up on Mintos</button><center>
<p><mark>Or read our <a href="https://p2pempire.com/review/mintos">Mintos review</a>.</mark></p>
</center>
<p>Note that the performance of Mintos&rsquo; lending companies from 2020 onwards isn't up to most investors' expectations. On top of that, there&rsquo;s currently more than &euro;80 M of investors&rsquo; money in recovery, so ensure you do your research before investing.</p>
<p><mark>If you decide to invest on Mintos, you should be prepared to set some &lsquo;learning money&rsquo; aside and ensure you look into their terms and conditions.</mark></p>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/bondora-review.webp" border="0" alt="bondora review" width="auto" height="auto" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/bondora-review.webp" />
<p>Bondora&rsquo;s Go &amp; Grow product is suitable for passive investors who prioritize liquidity over safety or higher returns; although the return has been lowered to 4% for new users, it's still a beginner-friendly tool that generates at least a small return.&nbsp;</p>
<button class="redirect external_link_button promo" value="bondora">Sign Up on Bondora</button><center>
<p><mark>Or read our <a href="https://p2pempire.com/review/bondora">Bondora review</a>.</mark></p>
</center>
<p>Like always with P2P lending companies, you must do your research to find out what is best for you.</p>
<p><mark>If you don&rsquo;t want to invest in either of these platforms, you can look into the currently best <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">P2P lending platforms</a>.</mark></p>
</article>

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