After nine years and over EUR 150,000 invested on Mintos, I know the platform inside out. It’s the biggest P2P lending marketplace in Europe by a wide margin — MiFID II regulated, 60+ loan originators, EUR 12 billion+ funded.
But putting all your P2P money on one platform is a mistake. Even the best platform carries originator risk, and Mintos itself has around EUR 130 million in unresolved defaults from past originator failures. Diversifying across platforms is just as important as diversifying across loan originators within a single platform.
I’ve invested on every platform listed below. Here are the best Mintos alternatives in 2026, based on actual experience — not theory.
Quick Comparison: Mintos vs the Alternatives
| Platform | Best For | Avg. Returns | Regulation | Buyback | Review |
|---|---|---|---|---|---|
| PeerBerry | Simplicity and consistency | ~11% | Not regulated | Yes (60 days) | Review |
| Esketit | Higher returns with ECSP license | 10-14% | ECSP licensed | Yes (60 days) | Review |
| Bondora | Hands-off investing via Go & Grow | 6% (Go & Grow) | Estonian FIU licensed | No | Review |
| ViaInvest | MiFID II regulation + high returns | ~13% | MiFID II regulated | Yes (60 days) | Review |
| Swaper | Highest returns + loyalty bonuses | ~14% | Not regulated | Yes (60 days) | Review |
| Nectaro | Best new platform with ECSP license | ~12% | ECSP licensed | Yes (60 days) | Review |
| Lonvest | Newer platform with solid returns | ~12% | Not regulated | Yes (60 days) | Review |
PeerBerry — The Reliable Workhorse
PeerBerry is the platform I’d recommend first to anyone looking for a Mintos alternative. With over EUR 3.24 billion in funded loans and 110,000+ registered investors, it’s the second-largest P2P platform in Europe.
Why it works as a Mintos alternative: PeerBerry delivers consistent ~11% returns with minimal hassle. The auto-invest feature works well, the interface is clean, and the platform has never had a major originator default that left investors with losses. That last point is significant — Mintos has around EUR 130 million in unresolved defaults; PeerBerry has zero.
Key differences from Mintos:
- No secondary market — once you invest, you hold until maturity. This is the biggest trade-off. On Mintos, you can sell investments early on the secondary market (for a 0.85% fee). PeerBerry locks you in.
- Fewer loan originators — 12 vs Mintos’s 60+. Less diversification across originators, though PeerBerry’s originators (Aventus Group, Gofingo) have strong track records.
- No fees at all — Mintos now charges 0.29% annually on Custom Portfolios. PeerBerry remains completely fee-free.
- Loyalty program — PeerBerry offers Silver (+0.5%), Gold (+0.75%), and Platinum (+1%) tiers based on your invested amount, boosting returns above the base rate.
Best for: Investors who want steady returns without complexity. If you find Mintos’s 60+ originators and multiple product types overwhelming, PeerBerry’s simpler approach may suit you better.
See my full PeerBerry review or the Mintos vs PeerBerry comparison.
Esketit — Higher Returns with a Regulatory Edge
Esketit offers returns between 10-14%, which can match or beat Mintos depending on your strategy. The platform holds an ECSP license — a different regulatory framework from Mintos’s MiFID II, but still meaningful oversight.
Why it works as a Mintos alternative: The returns are competitive, and unlike PeerBerry, Esketit offers a secondary market for early exits. It also has a buyback guarantee on most loans, just like Mintos.
What you should know: In 2025, AvaFin (Esketit’s former parent company) withdrew from P2P operations. This was a meaningful shift — Esketit lost the backing of a profitable lending group and is now operating independently. The platform is adding new originators (Jet Finance launched in February 2026), but it’s in a transitional period.
Key differences from Mintos:
- Smaller scale — far fewer loan originators and a smaller total loan portfolio than Mintos
- No annual management fees — Mintos charges 0.29% on Custom Portfolios
- More focused loan types — consumer and auto loans, rather than Mintos’s broad mix of mortgage, business, agricultural, and BNPL
- ECSP regulation vs MiFID II — both provide regulatory oversight, but MiFID II is generally considered the stronger framework
Best for: Investors comfortable with a smaller, newer platform in exchange for potentially higher returns. Good as a complement to Mintos rather than a full replacement.
See my full Esketit review or the Mintos vs Esketit comparison.
Bondora — The Set-and-Forget Option
Bondora is the polar opposite of Mintos in terms of approach. Where Mintos gives you 60+ originators, multiple strategies, and granular control, Bondora’s Go & Grow product asks one question: how much do you want to deposit? Then it handles everything.
Why it works as a Mintos alternative: If what you really want is passive income without managing loan portfolios, Go & Grow delivers 6% annually with zero effort. Bondora has been operating since 2009 — the longest track record of any European P2P platform — and has been profitable for 8 consecutive years.
The trade-off: 6% is significantly lower than Mintos’s ~12% average or even my personal ~9% net return after defaults. You’re paying for simplicity and reliability with lower returns.
Key differences from Mintos:
- Single loan originator — Bondora issues all its own loans (Estonia, Finland, Spain), unlike Mintos which aggregates from 60+ originators
- Fixed returns — 6% annually with Go & Grow vs Mintos’s variable returns that depend on your strategy
- No buyback guarantee — but this is abstracted away by the Go & Grow structure
- EUR 1 minimum investment vs EUR 10 on Mintos
- Daily liquidity — you can withdraw from Go & Grow at any time (EUR 1 fee), while Mintos investments have defined terms
Best for: Conservative investors who want P2P exposure without actively managing anything. Also good for parking money you might need access to, since Go & Grow offers daily withdrawals.
See my full Bondora review or the Mintos vs Bondora comparison.
ViaInvest — MiFID II Regulation with 13% Returns
ViaInvest is the most direct Mintos competitor on this list, and for one specific reason: it’s also MiFID II regulated. That puts it in the same regulatory tier as Mintos — the strongest level of oversight available for P2P platforms in Europe. And it manages to offer ~13% returns, which is higher than what most Mintos strategies deliver.
Why it works as a Mintos alternative: Same regulatory framework, higher advertised returns. ViaInvest structures investments as Notes (securities), just like Mintos does since its MiFID II transition. The EUR 20,000 investor protection scheme applies here too.
Key differences from Mintos:
- Single-originator platform — ViaInvest primarily works with its own associated lending companies, rather than aggregating from dozens of originators
- Higher returns — ~13% vs Mintos’s ~12% average (or ~9% net in my personal experience)
- Smaller scale — ViaInvest handles significantly less volume than Mintos’s EUR 12 billion+
- No secondary market — unlike Mintos, you can’t sell investments early
- Less diversification — fewer countries and loan types available
Best for: Investors who specifically want MiFID II regulation (and the investor protection scheme that comes with it) but want to diversify away from Mintos with a platform offering higher base returns.
See my full ViaInvest review or the Mintos vs ViaInvest comparison.
Swaper — The Highest Returns in P2P
Swaper consistently offers some of the highest returns in European P2P lending — around 14% base rate, with loyalty bonuses pushing that even higher. The Silver tier (+0.5%) starts at EUR 5,000 invested, and the VIP tier can add up to +2%.
Why it works as a Mintos alternative: If you’re specifically looking to maximize returns and are willing to trade regulatory protections for yield, Swaper delivers. The auto-invest is simple and the platform has maintained consistent payouts.
The risk: Swaper is not regulated. Wandoo Finance is the main loan originator, and while the platform has a solid track record so far, you’re relying on the financial health of a relatively small lending operation. This is fundamentally different from Mintos’s regulated, diversified approach.
Key differences from Mintos:
- Higher returns — ~14% (+ loyalty bonuses) vs Mintos’s ~12%
- Not regulated — no MiFID II, no investor protection scheme
- Simpler platform — fewer options, fewer originators, less complexity
- No secondary market
- Strong loyalty program that rewards larger investments
Best for: Experienced P2P investors who understand the risks of unregulated platforms and want to allocate a portion of their portfolio to higher-yield opportunities. I wouldn’t recommend it as your only platform.
See my full Swaper review or the Mintos vs Swaper comparison.
Nectaro — The Best New Platform
Nectaro launched in 2023 and already holds an ECSP license — something many older platforms still lack. It offers ~12% returns with a buyback guarantee and a secondary market, making it feature-comparable to Mintos on most dimensions.
Why it works as a Mintos alternative: Nectaro combines regulatory compliance (ECSP), competitive returns, and modern platform design. For a platform this young, the feature set is impressive. I consider it one of the best new entries in the European P2P space.
Key differences from Mintos:
- Much newer — launched 2023 vs Mintos’s 2015 start
- ECSP regulation vs MiFID II — different frameworks, but both provide oversight
- Smaller loan portfolio and fewer originators
- No loyalty program or fractional bonds/ETFs
- Cleaner, more modern platform design
Best for: Investors who want to diversify into a regulated newer platform with competitive returns. Pairs well with an established platform like Mintos or PeerBerry.
See my full Nectaro review.
Lonvest — A Strong Newcomer
Lonvest is another 2023 entrant that I’ve been impressed with. It offers ~12% returns with a buyback guarantee and a straightforward auto-invest setup. The platform is not regulated, which is a drawback, but the early track record has been solid.
Why it works as a Mintos alternative: Comparable returns to Mintos with a simpler, less cluttered interface. If you find Mintos overwhelming with its expanding product range (bonds, ETFs, real estate alongside loans), Lonvest stays focused on what P2P does well.
Best for: Investors looking to add a smaller-allocation position in a promising newer platform alongside their core Mintos holdings.
See my full Lonvest review.
Which Mintos Alternative Should You Choose?
It depends on what matters most to you:
If you want regulation above all else: ViaInvest (MiFID II, same as Mintos) or Nectaro (ECSP licensed).
If you want the simplest possible experience: Bondora Go & Grow. Deposit and forget. 6% with daily liquidity.
If you want the highest returns: Swaper at ~14% + loyalty bonuses. Higher risk, higher reward.
If you want the closest thing to Mintos without being Mintos: PeerBerry. Reliable, fee-free, with strong originator track records.
My approach: I spread my P2P allocation across Mintos (largest position), PeerBerry, and several smaller positions on platforms like ViaInvest, Esketit, and Swaper. This gives me exposure to different originators, regulatory frameworks, and return profiles. The exact allocation changes as platforms evolve — which is the whole point of diversification.
For a broader view of the landscape, see my ranking of the best European P2P lending platforms.
Frequently Asked Questions
Why should I look for Mintos alternatives?
Diversification. Even though Mintos is the largest and most regulated P2P platform in Europe, concentrating all your P2P investments on a single platform exposes you to platform-specific risk. Mintos carries around EUR 130 million in unresolved defaults from past originator failures. Spreading across multiple platforms reduces the impact of any single platform’s problems on your overall portfolio.
Is Mintos still a good platform in 2026?
Yes. Mintos remains the market leader with MiFID II regulation, the widest originator selection, and a secondary market for liquidity. It’s pursuing a banking license, which would add further protections. The platforms listed here are alternatives for diversification, not because Mintos is failing. See my full Mintos review for a detailed assessment.
Which Mintos alternative has the best regulation?
ViaInvest is the only alternative that shares Mintos’s MiFID II regulatory status, including the EUR 20,000 investor protection scheme. Nectaro and Esketit hold ECSP licenses, which is a step below MiFID II but still meaningful. PeerBerry, Swaper, and Lonvest are not regulated.
Can I get higher returns than Mintos on alternative platforms?
Yes. Swaper offers ~14% with loyalty bonuses up to +2%. ViaInvest offers ~13%. Esketit ranges from 10-14%. However, higher returns typically come with trade-offs: less regulation, fewer originators, or smaller platform scale. My actual net returns on Mintos over 9 years average ~9% after accounting for originator defaults — many alternatives can beat that number.
Do Mintos alternatives offer secondary markets?
Only some. Esketit and Nectaro offer secondary markets. PeerBerry, ViaInvest, Swaper, and Lonvest do not. If liquidity is important to you — the ability to sell investments before maturity — this narrows your options significantly. Bondora’s Go & Grow offers daily withdrawals, which is a different form of liquidity.
How much should I allocate to Mintos alternatives?
There’s no universal answer, but a reasonable approach is keeping your largest position on Mintos (it has the best diversification options) and allocating 20-40% of your total P2P portfolio across 2-4 alternative platforms. This gives you meaningful diversification without spreading too thin to manage effectively.
For more on P2P investing strategy, see my guide to European P2P lending platforms.
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