Aqueous mixtures which are curable physically, thermally or thermally and with actinic radiation and comprise: A) at least one ionically and/or nonionically stabilized polyurethane which is saturated, unsaturated and/or grafted with olefinically unsaturated compounds as a binder, B) at least one colour and/or effect pigment and C) at least one phosphoric ester of the general formula: (R1ORO)3P=O in which the variables have the following definition: R is an alkanediyl group having 2 to 10 carbon atoms and R1 is an alkyl group having 2 to 10 carbon atoms; processes for their preparation and their use.