How to deposit money to Mintos

Before doing transfers, please make sure that you do not have unintentional auto-investment setup in Mintos. You can do that by going to Auto Invest section. Normally, at the beginning it is empty so not anything to worry about.

Now you are ready to invest and choose Deposit/Withdraw/FX menu and select Deposit.

In the next step you are allowed to choose the currency. I have chosen EUR. There are other currencies available, however, personally I would not recommend doing that.


  • Vast majority of the loans in Mintos are issued in EUR
  • Due to other currency fluctuations you might lose your investment value
  • Currency exchange (FX) is a an extra business for Mintos and you can lose your money doing the exchange. Usually loans in other currencies have higher interest returns, giving false impression that they are more attractive

Click on the preferred type of depositing which will bring up further details. I have chosen a bank transfer.

Next up, I needed to login in my bank account and fill an international money transfer. 

I am using DanskeBank and funny enough it was not possible to Paste some of the details to fields of transfer form. Luckily, I could paste account number and the BIC code, rest I filled manually. Make sure to write your investor number in the given message field.

Transfer expenses

From previous experience this should cost me around 3 EUR for depositing and withdrawing the money. Probably there are cheaper ways out there and if you know one, please let me know.

Time for deposit to arrive

Normally, it should not be more than 1-2 business days. This depends on what type of deposit option you have chosen. In my case I have transferred Thursday afternoon, so expecting it to be there tomorrow or latest early next week.


  1. Hej
    Jeg bruger transferwise. Det fungere glimrende og er billigt. F.eks 500kr kostede mig 7-8kr. Så det er til at overleve 🙂

    Kenneth L. P.

    1. Hey Kenneth,

      and thank you, for the comment!

      Looks like the difference is significant on larger amounts. Currently, though it has not hurt me much because of minimal amount of transfers I have done.

      Did you invest via Transferwise already with the first time when opening the account with Mintos?

      I was uncertain that Mintos could validate my transfer from their side because of how Transferwise works – showing their account number as payee.


    2. In general, Kenneth, you are on point! One should check what is the cost for the transfer.
      In majority of cases I believe Transferwise will be the best option.

Leave a Reply

Your email address will not be published. Required fields are marked *