Last Update: June 24th, 2024
Here are the best, currently available P2P lending bonus and cashback offers in Europe, plus a few attractive promotions from European brokers in case you’re investing into stocks and ETFs as well.
I hope this list helps you get a head start in your investment journey!
None of the links are sponsored (I don’t do paid content), but using my affiliate links when signing up helps support me, the website and YouTube channel. So thank you if you do! 🙂
P2P Lending
I outlined the bonus conditions for each peer to peer lending platform below. I try my best to keep this list up to date.
Bondster
| How much? | 1% cashback |
| Bonus conditions: | Sign up using this link to get 1% cashback on all your Bondster investments during the first 90 days. No promo code needed (leave the field empty!) during registration. The bonus is paid out after 30 days, 60 days (on the difference if you added more funds) and 90 days (again if you increased your investments). |
Brickstarter
| How much? | 15€ signup bonus & 0,5% cashback |
| Bonus conditions: | Sign up via this link and use the Promo Code BRICKS to get a 15€ bonus instantly credited to your Brickstarter account. In addition, you get 0,5% cashback on all of your investments during the first 90 days. |
Crowdpear
| How much? | 0,5% cashback |
| Bonus conditions: | Sign up to Crowdpear via this link to receive a 0,5% cashback bonus on all of your investments within the first 90 days on the platform. |
Debitum Network
| How much? | 1% cashback + 2% Triple Dragon cashback |
| Bonus conditions: | Sign up to Debitum Network via this link to get 1% cashback on all of your investments within the first 60 days. The bonus is credited to your account the day after each of your investments on the platform. Additionally, from June 1 – June 21, 2024, you can get 1% instant cashback bonus when investing in Triple Dragon loans with a loan duration of 6-9 months and 2% instant cashback for Triple Dragon loans with durations of 12 months or more. |
Esketit
| How much? | 0,5% cashback |
| Bonus conditions: | Sign up to Esketit via this link to receive a 0,5% cashback bonus on all of your investments within the first 90 days on the platform. |
EstateGuru
| How much? | 0,5% cashback |
| Bonus conditions: | If you sign up via this link you get 0,5% cashback on all of your investments on EstateGuru during the first 3 months since registration. |
Exporo
| How much? | 100€ bonus |
| Bonus conditions: | After signing up to the German real estate platform Exporo via this link, choose a project and enter 136877 under “Aktionscode” to get a 100€ bonus on your first investment of 500€ or more. |
Heavy Finance
| How much? | 2% cashback |
| Bonus conditions: | Sign up via this link to get 2% cashback on all of your investments on Heavy Finance within the first 30 days after registration. The investments need to remain active on Heavy Finance for at least 30 days to receive the bonus. |
Income Marketplace
| How much? | 1% cashback |
| Bonus conditions: | Sign up to Income marketplace via this link to receive 1% cashback on your average daily investment balance within the first 30 days after completing the registration and KYC process. The entire bonus is added to your account 10 days later (so 40 days after you verified your account). Note: The bonus is calculated as 1% of the total amount that you have invested at the end of each day, divided by the number of days. |
InRento
| How much? | 20€ bonus |
| Bonus conditions: | Sign up via this link to receive a 20€ bonus on your first investment on InRento. |
Iuvo Group
| How much? | 0,75% cashback |
| Bonus conditions: | Sign up to Iuvo Group using this link and invest a minimum of 100€, to receive 0,75% cashback on all of your investments on the platform after 60 days in the form of a welcome bonus. The offer is capped at 150€ (20.000€ investment). |
Lonvest
| How much? | 1% cashback |
| Bonus conditions: | Sign up to Lonvest via this link to receive a 1% cashback bonus on all of your investments within the first 90 days on the platform. |
Lande
| How much? | 1% cashback + 2% summer boost cashback campaign |
| Bonus conditions: | When signing up via this link, new investors get 1% cashback on all investments on Lande within the first 180 days. The bonus is added to the account right after placing each investment (this is mine so far). Additionally, from May 31 – June 30, 2024: – Invest €500+ and receive 0,5% cashback – Invest €1.000+ and receive 1% cashback – Invest €5.000+ and receive 2% cashback Note: cashback applies to above amounts if investment is made in a single project |
Mintos
| How much? | Up to 200€ bonus (limited time!) |
| Bonus conditions: | Sign up to Mintos via this link and enter the promo code: SUMMER24 to receive the following bonus based on the total amount of your investments on the platform until 15.07.2024: 250€ investment: 10€ bonus 500€ investment: 25€ bonus 1000€ investment: 50€ bonus 5000€ investment: 100€ bonus 10000€ investment: 200€ bonus The bonus is paid out to your Mintos account on 31.07.2024. |
Moncera
| How much? | 0,5% cashback |
| Bonus conditions: | Sign up to Moncera via this link to get a 0,5% cashback bonus on all deposits within the first 60 days on the platform. The bonus is capped at a maximum of 100€ (20.000€ deposit). |
Monefit
| How much? | 2% cashback |
| Bonus conditions: | Sign up to Monefit via this link to get 2% cashback on the net deposits made within the first 60 days on the platform. |
Nectaro
| How much? | 1% cashback |
| Bonus conditions: | New investors signing up via this link get 1% cashback on all investments made within the first 21 days after registration. |
PeerBerry
| How much? | 0,5% cashback + Up to +1% interest |
| Bonus conditions: | Sign up to PeerBerry via this link, to get 0,5% cashback on all of your investments on Peerberry within the first 90 days. In addition, depending on the amount you invest, Peerberry offers these loyalty bonuses: +0,5% interest if you invest 10.000€ +0,75% interest if you invest 25.000€ +1% interest if you invest 40.000€ or more. |
Profitus
| How much? | +1% interest |
| Bonus conditions: | When signing up via this link, new investors get +1% interest per year for their first investment, as long as it is made within 30 days after registration. |
Rendity
| How much? | 25€ bonus |
| Bonus conditions: | Sign up to Rendity via this link, to get a 25€ bonus for your first investment. |
Swaper
| How much? | +2% interest |
| Bonus conditions: | Sign up to Swaper via this link and invest 5.000€ or more, to get +2% interest (loyalty bonus) on all investments on the platform. |
Twino
| How much? | 50€ bonus |
| Bonus conditions: | Sign up to Twino via this link and invest 1.000€ or more in the primary market to get a 50€ bonus the following day. |
Viainvest
| How much? | 1% cashback |
| Bonus conditions: | Sign up to Viainvest via this link to get 1% cashback on your average daily investment balance within the first 90 days after you verified your account. No promo code needed. |
Brokers (ETFs and Stocks)
The following offers have nothing to do with peer to peer lending. That being said, if you also invest into stocks or ETFs, you might find them useful as well.
Trade Republic
| How much? | 3,5% interest p.a. on deposits in € (100k deposit guarantee) + 1% saveback using the free card |
| Bonus conditions: | Open a free brokerage account with Trade Republic via this link to earn 3,5% interest per year on up to 50.000€ of uninvested euro deposits, secured by a bank deposit guarantee (up to 100.000€). Interest is paid out on the 1st of each month. You can now also get 1% saveback on up to 1.500€ of monthly payments (up to 15€ saveback/month) using the new Trade Republic card (more details & my experience in this video). |
| Availability: | 🇪🇺 All over Europe |
Crypto Exchanges
If you also have a small exposure to crypto like me (I hold Bitcoin and Ethereum), or you were planning to, then the following currently running deal may be of interest to you.
Bitvavo
| How much? | 10€ welcome bonus + no transaction fees on 10.000€ of trades |
| Bonus conditions: | Sign up to the Netherlands-based Bitvavo crypto exchange via this link to get a 10€ welcome bonus within two business days after verifying your account and making a minimum deposit of 10€. Additionally, you pay zero commissions on the first 10.000€ worth of crypto trades within the first 7 days after creating an account. Note: Trading fees are among the lowest in Europe after the bonus period as well, which is why I switched from Bitpanda to Bitvavo myself for my own ongoing investments in Bitcoin and Ethereum. |
Disclaimer: Investing involves risks of losses. You should always do your own research before investing into anything.