porovnání Zonky a Mintos, P2P půjčky, investice

Zonky vs Mintos – Comparision of P2P investment platforms

I prepared a comparison of Zonky and Mintos platforms based on the technical parameters that the individual platforms show about themselves. Zonky is, of course, a popular Czech place to invest, but it is a great pity that people will not find out more about P2P loans and will immediately jump on the first platform they see.

TECHNICAL COMPARISON OF ZONKy AND MINTOS

This is a comparison from the point of view of an investor with whom I have a lot of experience on both platforms. Below the table is an even smaller glossary of terms and links to even more detailed reviews of both platforms, including my current assessment.

 ZonkyMintos
OriginCzechLatvia
LanguageCzechEnglish, Czech, German, Spanish, Polak, Russian, Dutch
CurrenciesCZKCZK, EUR, PLN, DKK, GEL, RON, GBP, SEK, RUB, KZT
Primary market charge✔ – Based on loan rating
Secondary market charge❌ – In addition, it is possible to buy / sell a loan with a profit or a discount
In addition, it is possible to buy / sell a loan with a profit or a discount6,03%11,99%
Auto invest on primary market
Auto invest on secondary market
Withdraw to the Bank account
Buy back guarantee✔ (after 60 days)
Access to loan information
Chat support
Investment reporting
Tax Report
Filtering loans by parameters
The need to verify documents
Czech National Bank registration
  • Buy back guarantee – if the borrower does not repay for several days, the loan is redeemed from you in full, including interest.
  • Primary market – purchase loans directly from the provider.
  • Secondary market – buying loans from another lender.
  • Auto invest – an automatic robot that buys loans for you according to the parameters you specify.

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ARE THE Zonky BETTER OR MINTOS?

In fact, this question cannot be answered unambiguously; Zonky will most likely be better for investments in CZK and Mintos in EUR on the contrary. It’s just good to always think about where I invest my money.

For me personally, the clear winner of Mintos is based on this, because I invest more abroad and higher earnings are still a bonus. And that’s why I just switched to Mintos.

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Boris Pazdera

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