Is Mint Safe & Legit? What You Need To Know

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A lot of people use Mint, Inc. to manage their finances and keep track of their money. We've seen many readers asking if it is safe and legitimate - we feel like we need to address this:

Mint is a subsidiary company of Intuit, which in turn has been around since 1983. Intuit makes popular personal finance software Quickbooks. It is headquartered in Mountain View, California, and operates in 180 countries.

Using Mint's website to track your finances generally has no real downsides other than the fact that it can be a little hard to understand at first (and most people probably don't like giving their information away).

However, we have heard reports of security breaches when it comes to the Android app. When you use an Android device, Mint has your login information and can access apps that have internet access (for example, Mint could see how much money you have in your PayPal account).

In one case, a user's entire bank account was drained by a hacker through this very app.

What Is Mint?

Mint is a money management tool that helps you keep track of your spending, set budgets and goals for yourself, create alerts when bills are due - things like that.

Mint has been around since 2007 and it's available on both the web and as a mobile app. Mint is owned by Intuit, the company that makes Quickbooks accounting software.

While Mint doesn't manage your money for you, it does act like a centralized place to keep track of all your accounts. You can connect all of your banks, investment, and credit card accounts to Mint so it can tell you what you have available in each account, plus your current spending habits.

And while you can track everything through Mint's web interface, the real magic happens when you install Mint on your mobile device - it will give you instant access to all that information wherever you are.

How Does Mint Work?

Mint works by pulling in data from your bank accounts using your login credentials (this is called the Mint Bills service and it's secure).

The next step is to link your credit cards and investment accounts so Mint can see how much you have in each account (these connections are through a feature called the Mint Aggregation Network, which uses "read-only access" meaning your data isn't visible or accessible by anyone else).

What Can I Do With Mint?

Mint is more than just a bank tracker. The app and website want to help you make money, save money and plan for the future.

You can set budgets and savings goals, track your bills and investments, get personalized recommendations on ways to save money, monitor your credit score, and find financial products available in the Mint marketplace. Mint is also completely free to use.

Who Can Use Mint?

Mint is designed for people who need help keeping track of their money - whether it's day-to-day expenses like groceries and gas, or long-term savings goals like buying a house or planning for retirement.

And while you can create multiple profiles on the same account (like for you and your spouse), the app is designed to be used by one person.

Where Can I Find Mint?

Mint can be found on almost any device or platform - it's available in the Google Play Store, Apple App Store, on desktop via their website, and even comes pre-installed on some Intuit Quickbooks products.

Mint is a great tool for keeping track of your money. It's free to use and very secure, which means you shouldn't have any problems getting started with it right away.

Just remember that Mint works best if everyone in your family uses it - it was built with the idea that one person should be accountable for all the spending.

How Secure Is Mint?

Mint has a strong security team that monitors activity on the site and checks for suspicious behavior as soon as it's detected through its automated systems.

The company also gets rid of email addresses that have been compromised by hackers, so you should use an email address that isn't easily guessed.

You won't be able to use Mint if you're worried that someone might be able to gain access to your account - for example, if you think they're monitoring your email or know your password.

Mint is best used on a secure WiFi connection. If you think that your account has been hacked or compromised in some way, change your password immediately.

The last thing you want is for someone to hack into your Mint account - they could use it to send out spam emails or even steal your credit card information, so if something seems wrong with your account, go ahead and change your password right away.

Keep in mind that only the email address you signed up with can change your password, so if you aren't sure what email address you used to sign up for Mint, then try using the one you signed up with on your other accounts.

Yes, Mint is a secure and useful tool to help users manage their money and finances. They offer secure login with the option of setting up a security question if access is ever compromised. Along with this, it offers:

Two-Factor Authentication:

Mint gives you the option of choosing between a 4-digit pin and 2-factor authentication. The four-digit pin is available to you while Mint sends an OTP (one-time-password) via text or phone call for two-factor login.

128 Bit SSL Encryption:

Mint uses 128-bit SSL encryption to secure your data. The app will automatically update itself throughout the day to ensure that you're using the best security features.

Two-Step Verification: Mint allows you to set up two-step verification for your account. It uses verifications via SMS or Authy App, so if someone ever tries to log in with your credentials, you'll get a notification on your phone so you can change the password to your Mint account.


A digital certificate authority that provides a secure connection between browsers and web servers. Mint has an SSL certificate from Verisign for its website, so you know your data is safe when you use Mint to manage your money. Mint uses VeriSign to certify that the site is secure and safe for use.

GDPR Compliance:

Mint's privacy policy is GDPR compliant. They have a very clear, comprehensive policy on how your personal data is used and protected. Mint promises to never sell or share your information with any third party. For example, Mint pledges to only send you relevant advertisements that are directly related to your interests.


Mint is overseen by the United States Federal Deposit Insurance Corporation, so you know the company has passed stringent regulations and is fully transparent.


Mint monitor accounts for suspicious activity (like large withdrawals) and will send you an email notification if there's any unusual activity. For instance, Mint will send you an email if someone tries to log in using your username and password on a new device.

Secure PIN:

Your pin number on Mint is secure - it's stored as a salted hash of your password, making the data useless if someone ever breaks into Mint or tries to read your files.

With Mint, you can rest easy knowing that your data is safe and secure.

How to keep your Mint account safe?

To keep your Mint account safe, follow these tips from Mint:

Make sure you have a secure password that isn't easy to guess

Default passwords like 1111 or password are no good. You should use a combination of upper case, lower case, and special characters to make your password as secure as possible.

Keep Mint up to date

In order to provide you with the best security features, Mint will automatically update its software now and then. Make sure you have an internet connection to get these updates.

Two-factor authentication:

Using two-factor authentication is a good way of protecting your account - you'll need both your password and a one-time code to log in, which can be sent via a text or a phone call. If someone ever manages to steal your password, they won't be able to log in without your one-time code.

Secure PIN

Mint will store your four-digit pin number, so you won't need to enter it every time you open the app. Mint's secure PIN feature means that even if someone gets their hands on your phone, they can't access your account without knowing your password.

Never use public WiFi

Using public WiFi isn't safe because it's hard to tell who is really behind that connection. You could be using an open, unprotected connection even when you think you're browsing securely - someone could be spying on what you're doing and could use the information they find against you.

What to do if your Mint account is hacked?

If your Mint account is hacked, you should change your password right away. If someone manages to gain access to your Mint account, they could be stealing any money you have in there - so it's best not to take any risks. You can also switch on two-factor authentication for added protection.

Contact Mint Customer Care immediately:

If you think that your account has been hacked or compromised in some way, then contact Mint Customer Care. They'll be able to help and advise you on what steps to take next:

Change your password immediately:

If your Mint account seems to be fine, but you're worried that someone might have hacked it when you were using a public WiFi connection or on an unsecured network somewhere else, then change your password immediately.

Keep an eye on your emails:

If someone manages to hack into your email account, they could send messages from it pretending to be you. If this happens, don't click on any links in emails - instead, go directly to your web browser and log in from there.

Gather evidence:

It's a good idea to keep all the records you need in case someone claims that you hacked into their account or sent spam from it. Here are some things you should do:

Keep copies of any emails you receive from Mint or another service about the unusual activity with your account - Keep a copy of any suspicious messages you've received.

Check to see if there's been any unusual activity on your credit cards - Scan and save screenshots of all the steps you took to check for evidence - Keep copies of all the evidence you've found and print out hard copies

Pay close attention to your credit:

If someone sent a transaction from your account, it could have been used to purchase something online. As soon as you find out that your Mint account has been hacked, call your credit card issuer so they can add a note on your account saying that it's been compromised. That way, any dodgy transactions will be blocked.

How is the customer support service of Mint?

If you have problems with your Mint account, then contact Mint Customer Care using the information given on their support page:

The good thing about contacting Mint's customer care is that you can get in touch right away and they'll be able to help you fix any potential problems.

How is the overall quality of Mint?

Compared to other money management apps, Mint is considered to have a lot of advantages. The app offers users personalized insights into your finances and helps you set goals to help you save more money and keep better track of where your money goes.

The fact that it's free also makes it an attractive option for people who want a money management app but don't have a lot of money to spend on one.

Mint is an excellent way to take charge of your finances. You can easily do things like check up on all your accounts in one place, track spending, and set the financial goals that are right for you - Mint even offers useful tips to help you achieve those goals.


Mint is safe and secure, but that doesn't mean it's 100% perfect. Even though Mint has been around since 2007 and is widely considered to be a leader in the world of money management apps - as well as being one of the most popular free tools available today - there are still some negative reviews from customers who say they're no longer happy with the service.    

On a more positive note, Mint has been covered by top news sites like Forbes and The New Yorker - as well as having earned a number of awards from different companies. It's also used by millions of people all over the world. In short, if you're looking for a safe, secure way to manage your money online, then you really can't go wrong with Mint.

Michael Restiano

I lead product content strategy for SaltMoney. Additionally, I’m helping our broader team of 4 evolve into a mature content strategy practice with the right documentation and processes to deliver quality work. Prior to Instacart, I was a content strategy lead at Uber Eats and Facebook. Before that, I was a content strategist at SapientNitro, helping major Fortune 500 brands create better, more useful digital content.

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