Mintos Referral (Code N3VOCS): €25 + 1% Up To €100 — EU/EEA Residents Only
Mintos is a Latvian investment platform for loans, bonds, ETFs, stocks, real estate and crypto ETPs. The official referral page for code N3VOCS shows up to €125 for a new investor: €25 plus 1% of your average investments over the first 90 days, with the 1% part capped at €100. The conditions: you must be 18+ and live in the EU/EEA, invest at least €1,000 within 30 days of registering, and keep at least €1,000 invested until day 90 after registration. Only loans, bonds, ETFs, crypto and real estate count. Hong Kong residents can't get the bonus, and people living or paying tax in the UK can't register at all. Capital at risk: you can lose money. This is not investment advice.
EU/EEA residents only. Mintos' referral terms require you to live in the EU/EEA and be 18+; Mintos says UK residents and US nationals or residents cannot register at all. Capital at risk. This is not investment advice.
Quick answer
Use code N3VOCS for the Mintos offer. New eligible customers can get Up to €125 (EU/EEA only) after meeting the requirement: €1,000+ invested within 30 days of registration and kept invested until day 90 after registration (EU/EEA residents only). Last verified 2026-10-24.
- Reward
- Up to €125 (EU/EEA only)
- Referral code
N3VOCS- Last verified
- 2026-10-24
- Difficulty
- Hard
- Time to claim
- 15-30 minutes to register and verify, then a 90-day holding period
- Time to payout
- The bonus is credited within 7 days after the 90-day holding period ends (counted from your registration date); Mintos processes the 1% part within 7 working days, per the Mintos Help Center
N3VOCSAd / referral links — we may earn a bonus when you sign up.
How to claim
- Check you're eligible first: the referral programme is for EU/EEA residents aged 18+ who have never had a Mintos account. Also check that Mintos is allowed where you live.
- Open the Mintos referral link (code N3VOCS) and register as a new investor.
- Verify your identity through Mintos (KYC is mandatory for an EU-licensed investment firm; non-EU citizens must use a passport).
- Invest at least €1,000 in eligible assets (loans, bonds, ETFs, crypto or real estate) within 30 days of registering.
- Keep at least €1,000 invested until day 90 after registration; reinvest repayments if needed.
- The bonus is credited to your Mintos account within 7 days after the 90-day period ends; the 1% part is processed within 7 working days.
Eligibility & requirements
- EU/EEA residents aged 18+ only, per clause 14.3 of Mintos' referral terms. People living or paying tax in the UK, and US nationals or residents, cannot register on Mintos at all. Check that the service is allowed where you live before you register.
- New investors only: you must register through the referral link and must never have had a Mintos profile under any email address.
- Invest at least €1,000 within 30 days of registration and keep at least €1,000 invested until day 90 after registration.
- Only loans, bonds, ETFs, crypto and real estate count. Stocks and Smart Cash are not among the listed assets.
- The 1% part is capped at €100. The Mintos Help Center calculates it on your average daily investments over the first 90 days, but clause 11 of the referral terms counts only the amount above €1,000 (on a €5,000 average: €75 versus €65 in total). Mintos' terms also say the fixed €25 may not be offered in every country.
- The referral programme can't be combined with other Mintos promotions, rewards may be taxable where you live, and Mintos can change or end the programme at any time.
- Capital at risk: Mintos' investor compensation scheme (up to €20,000) only covers Mintos failing to return your assets or cash, not falls in value or defaults.
Verification notes
- Minimum spend/deposit
- €1,000+ invested within 30 days of registration and kept invested until day 90 after registration (EU/EEA residents only)
- Last verified
- 24 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Up to €125 for a qualifying new investor, per Mintos' official referral page.
- Loans, bonds, ETFs, crypto and real estate all count toward the bonus.
- Mintos is a MiFID investment firm licensed and supervised by Latvijas Banka.
Watch out for
- EU/EEA residents only, so most UK and Hong Kong readers can't get it.
- You need at least €1,000 invested within 30 days and kept there until day 90 after registration.
- The 1% part is capped at €100, and the terms may count only the amount above €1,000.
- Loans and bonds can default and investments can fall in value.
- Stocks and Smart Cash don't count toward the bonus; Smart Cash isn't open to Hong Kong tax residents.
- Outside the EU/EEA and Switzerland, some accounts pay a non-refundable €50 review fee, non-EU citizens must verify with a passport, deposits are SEPA euro transfers from an IBAN in your own name only, and interest carries 25.5% Latvian withholding tax (10% for Hong Kong tax residents with a certificate).
FAQ
- How much is the Mintos referral bonus?
- Mintos' official referral page for code N3VOCS shows up to €125 for the new investor: €25 plus 1% of your average investments in the first 90 days, with the 1% part capped at €100. You must invest at least €1,000 within 30 days of registering and keep at least €1,000 invested until day 90. Mintos' terms (clause 11) count the 1% only on the amount above €1,000, while its Help Center counts the whole average, so the 1% part may be smaller than the Help Center examples.
- Can I join Mintos from the UK or Hong Kong?
- Not from the UK: Mintos says anyone living or paying tax in the UK cannot register or invest. From Hong Kong, Mintos only considers accounts case by case, and the referral bonus is limited to EU/EEA residents by its referral terms.
- When is the bonus paid?
- Within 7 days after the 90-day holding period ends; the period starts on the day you register, per the Mintos Help Center. The 1% part is processed within 7 working days.
- Is my money protected on Mintos?
- Mintos is a member of Latvia's investor compensation scheme, which pays up to €20,000 if Mintos fails to return your financial instruments or cash. It does not cover losses when investments fall in value or loans default. Capital at risk; this is not investment advice.
Related offers
Provider
Brickstarter
Use our IASIJOEF referral link to inspect Brickstarter's Spanish property projects. Investments start at €50, but no current invitee bonus is publicly verified for this link. Check the account's referral terms, project contract, costs and exit route before funding; some or all of your capital can be lost.
Requirement: €50 advertised product minimum; no current referral qualifying amount or holding period verified
MediumRegistration and checks vary; project completion and sale can take much longerPayout No current invitation payout verified; investment distributions depend on the project
Verified 14 October 2026
Provider
Neverless
Join Neverless through our link (referral code jimm) and make your first investment within 48 hours: Neverless's invite page says you can then claim 2 years of free trading, which it values at $149 a year. The page doesn't say which fees the perk waives, and most stocks, ETFs, metals and crypto already trade without commission, so check what the app says before you invest. Outside the EEA, stocks and ETFs are derivative contracts with a Costa Rican company, not shares, and the agreement names no compensation scheme. Neverless's UK site shows only a waitlist, and US residents are excluded. The perk is not cash. Capital at risk; this is not investment advice.
Requirement: First investment within 48 hours of joining; Neverless lists no minimum on trades but doesn't say what counts as a first investment, so check the app
MediumA few minutes to sign up, plus identity verificationPayout Applied in-app after a qualifying first investment within 48 hours; timing set by Neverless
Verified 13 October 2026
Provider
Kinesis Money
Join Kinesis Money through this referral link, complete identity verification, and trade at least US$17,500 in gold, silver or any crypto asset on the Kinesis Exchange to receive 0.5 KAG, half an ounce of silver. Every trade costs 0.22%, so the fees (about US$38.50 on US$17,500) plus spread and price moves can outweigh the reward. KAG is treated as a cryptoasset and you could lose part or all of your investment.
Requirement: Complete identity checks, then trade at least US$17,500 in gold, silver or crypto on the Kinesis Exchange
HardID checks usually take minutes but can take 1 to 3 days, plus the time to trade US$17,500Payout Kinesis's terms set no payout timeframe and no deadline for the trading
Verified 12 October 2026
Added 2 October 2026 · Last updated 13 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.