Send
Send euros in seconds.
Pick a friend, type the amount, add a note if you like. It arrives straight away. Nobody needs an IBAN.
- Arrives in seconds, weekends included
- No bank details to swap
- Only you can approve a payment
Send it.Split it.Settle it.
Mintoo is money between friends. Send euros in seconds, split the bill and always know who owes whom, and for what.
Sign up with Apple, Google, an email code or a passkey.
Who paid.Who owes.For what.
Dinners, rent, the taxi home. Mintoo keeps a running balance with every friend, so nobody has to remember and nobody has to ask twice.
Five verbs. That's the whole app.
Everything money between friends needs, from the first payment to the last euro owed.
Request
Ask once. Get paid in one tap.
Request money with a note. Your friend sees the amount and what it's for, and pays with one tap. If it slips their mind, remind them with one more.
- Pay or decline in one tap
- Remind without writing a message
- Cancel a request any time
Split
Paid for dinner? Split it.
Add what you paid, pick who was there, and Mintoo works out every share. No money moves until someone settles up.
- Shares that add up to the cent
- Each friend sees their share and what it was for
- Settle now or later
Add expense
Pizza at Luigi's
You paid €84.00
- Lena owes you€21.00
- Jonas owes you€21.00
- Sofia owes you€21.00
Your share €21.00 · You get back €63.00
No money moves. Settle up any time.
Try it: tap a friend in or out.
Balances
Always know who owes whom. And for what.
Payments, requests and expenses add up to one running balance with each friend. Every item keeps its symbol and your note, so “what was the €12.40 for?” answers itself.
BalancesSee all
You're owed€104.40
You owe€38.00
- LULena Uhl2 open itemsOwes you €33.40
- JRJonas Roth2 open itemsOwes you €71.00
- SMSofia Marino3 open itemsYou owe €38.00
Settle
Settle up in one tap. Or mark it paid in cash.
One payment covers everything you owe a friend, and you're square. Got paid back in cash? Mark it as paid and the balance clears for both of you.
- One payment covers every open item
- Paid in cash counts too
- Both of you see the same balance
The details, handled.
The small things that make money between friends feel easy.
Lend or give
Mark a payment as a loan and Mintoo remembers it's owed back. Mark it as a gift and nobody owes anything.
Send to an email address
Friend not on Mintoo yet? Send to their email. The money waits for them until they join.
Face ID from €500
From €500, Mintoo asks for Face ID or your fingerprint before the money moves.
Sign in your way
Apple, Google, a code by email or a passkey. No password to remember.
Arrives in seconds
No waiting for the next working day. A payment shows up for your friend while you're still at the table.
Notes and symbols
Every payment, request and expense can carry a note. Mintoo suggests a symbol from what you type.
How your money is held.
Your balance is EURC, a euro stablecoin (an e-money token) issued by Circle Internet Financial Europe SAS, authorised in France. It's held in your own wallet; Mintoo never holds your money. EURC isn't a bank deposit and isn't covered by deposit insurance.
Mintoo is in a closed beta. Balances are test money on a test network. They have no value and can't be cashed out.
- Your balance
- EURC, a euro stablecoin. It's an e-money token under MiCA, issued by Circle Internet Financial Europe SAS, authorised in France. How Mintoo works
- Who holds it
- You do, in your own wallet. Mintoo never holds your money and can't move it for you. How it works
- Who approves payments
- Only you, on your own device. From €500 with Face ID or your fingerprint. Payments can't be reversed, so check before you send. Risks
- Not a bank
- Mintoo isn't a bank. EURC isn't a bank deposit and isn't covered by deposit insurance. Risks
- Fees
- No Mintoo fee to send to friends during the beta. Any other fee is shown before you confirm. Fees
- Limits
- €150 per payment and €1,000 per 30 days before identity verification. Higher after identity verification, once offered. How it works
- Who can use Mintoo
- People aged 18 and over in the European Economic Area. Not available in sanctioned countries. Countries
- Adding money and cashing out
- Adding money by bank transfer and identity verification are coming soon. They'll be provided by a licensed verification and payments partner, which we'll name here before they start. Cashing out to your bank is coming soon. Fees
- Fair use and complaints
- Mintoo is for paying people you know. If something goes wrong, you can complain and we'll answer. Acceptable use · Complaints
Questions, answered.
Anything else? Read how Mintoo works.
Is Mintoo a bank?
No. Mintoo is an app for sending euros to friends. Your balance is EURC, an e-money token issued by Circle Internet Financial Europe SAS, and it's held in your own wallet. EURC isn't a bank deposit and isn't covered by deposit insurance. How Mintoo works
Who can move my money?
Only you. Every payment is approved on your own device, and from €500 Mintoo also asks for Face ID or your fingerprint. Mintoo never holds your money.
Is it real money yet?
Not yet. Mintoo is in a closed beta. Balances are test money on a test network. They have no value and can't be cashed out. Everything else works the way it will with real euros.
What does it cost?
There's no Mintoo fee to send, request or receive money during the beta. Any other fee is always shown before you confirm. Fees
How do I add money or cash out to my bank?
Adding money by bank transfer and identity verification are coming soon. They'll be provided by a licensed verification and payments partner, which we'll name here before they start. Cashing out to your bank is coming soon too. Fees
What if my friend isn't on Mintoo?
Send to their email address. The money waits for them until they join with that email, and then shows up in your chat with them.
How do balances work?
Every payment, request and expense with a friend adds up to one balance: who owes whom, how much and for what. Settle it with one payment, or mark it as paid in cash. Adding an expense doesn't move any money.
How much can I send?
Before identity verification, up to €150 per payment and €1,000 per 30 days. Higher limits after identity verification, once offered.
Who can use Mintoo?
People aged 18 and over who live in the European Economic Area. Mintoo isn't available in sanctioned countries. Countries
What if I send money to the wrong person?
Payments can't be reversed, so Mintoo shows who you're paying before you confirm. If it happens, ask them to send it back, or contact us. Complaints
Let Mintoo keep the tally.
Join the closed beta and try every feature with test money.