myMINT

MINT PLATFORMS

About this app

myMINT is your all-in-one wealth platform for South Africans: invest in professionally managed baskets, gift investments, access credit, arrange funeral cover, and manage your money in one place.

INVEST
Choose curated MINT Baskets matched to your goals and risk appetite. Track your portfolio and your progress toward what you are building for.

GIFT
Send a MINT Basket for birthdays, graduations and milestones, a gift that can grow over time.

BORROW
Short-term credit, either unsecured or secured against your investment portfolio without selling your holdings.

CREDIT TERMS AND COSTS
MINT Platforms (Pty) Ltd is a registered credit provider (NCRCP22892) and offers credit in South Africa only.

Unsecured credit
- Amount: R1 000 to R10 000
- Repayment period: 3 to 6 months
- Interest: 5% per month, the maximum permitted for short-term credit under the National Credit Act
- Initiation fee: R165 on amounts up to R1 000, then R165 plus 10% of the amount above R1 000, capped at R1 000
- Monthly service fee: R69

Credit secured against your portfolio
- Repayment period: 3 to 6 months
- Interest: 4% per month
- Initiation fee: as above, capped at R1 050
- Monthly service fee: R69

Representative example
Borrow R5 000 unsecured over 3 months:
Principal R5 000.00
Interest at 5% per month R750.00
Initiation fee R565.00
Service fees, R69 x 3 R207.00
Total repayable R6 522.00
Repaid as 3 monthly instalments of R2 174.00
Total cost of credit R1 522.00

Credit is subject to affordability assessment and approval in accordance with the National Credit Act 34 of 2005. Terms and conditions apply. You receive a pre-agreement statement and quotation before any credit agreement is concluded. Late or missed payments may attract additional charges, may be reported to credit bureaux, and where credit is secured may result in the sale of pledged assets.

Some credit offers in the app are provided by third-party registered credit providers. Their terms, rates and fees are disclosed in their own pre-agreement quotation before you accept.

PROTECT
Funeral cover for you and your dependants, underwritten by GuardRisk Life Ltd (FSP 76). A 6-month waiting period applies from the policy start date. Full terms and conditions apply.

BUILT FOR SOUTH AFRICA
Regulated locally and designed for how South Africans actually move money. MINT Platforms (Pty) Ltd is an authorised Financial Services Provider (FSP 55118) and a registered credit provider (NCRCP22892).

Investing involves the risk of capital loss. Past performance is not a guide to future returns.

Website: https://mymint.co.za/
Privacy policy: https://app.mymint.co.za/privacy
Support: [e-mail]