Bondora vs Mintos (2026): Which Pays Better?
Bondora and Mintos are the two biggest names in European P2P lending, but they solve opposite problems. Bondora's Go & Grow is a one-button savings-style product: capped return, withdraw anytime. Mintos is a regulated marketplace where you build a portfolio of Notes across dozens of lending companies and chase a higher yield.
| Platform | Rating | Returns | Min. investment | Buyback | Regulation | |
|---|---|---|---|---|---|---|
| 3.9 | 4–6.75% | €1 | ✕ | Partial | Visit platform | |
| 4.3 | 7–13% | €50 | ✓ | Regulated | Visit platform |
Bondora
3.9 / 5 · Overall
- Returns
- 2.5
- Liquidity
- 4.5
- Track record
- 4.0
- Transparency
- 3.5
- Usability
- 5.0
Mintos
4.3 / 5 · Overall
- Returns
- 4.0
- Liquidity
- 4.5
- Track record
- 4.0
- Transparency
- 4.5
- Usability
- 4.5
🏴☠️ The verdict: Mintos takes the treasure (4.3/5)
Pick Bondora if you want simplicity and liquidity and will accept ~6.75% for it. Pick Mintos if you want 7–13% and real diversification, and can live with Notes pricing, originator risk and a small secondary-market fee. Serious P2P portfolios usually end up holding Mintos as the core and Bondora as the cash-like sleeve.