p2p lending bonus

Last Update: February 1st, 2023

These are the best, currently available P2P lending bonus and cashback offers in Europe that I’ve found.

I also included currently running promotions for stock & ETF brokers at the end of this page, as those may be of interest to you 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 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.

Bondora

bondora bonus
How much?5€ bonus
Bonus conditions:Sign up to Bondora via this link and invest 10€ or more within 30 days to get a 5€ bonus added to your account.

Bondster

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

Brickstarter promo code
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.

Debitum Network

Debitum Network bonus
How much?20€ bonus
Bonus conditions:Sign up to Debitum Network via this link and invest at least 1.000€ into asset-backed securities with a loan term of 90 days or more, to receive a 20€ bonus. You’re only eligible for the bonus within the first 90 days from registration. No referral code needed.

Esketit

esketit
How much?1% cashback
Bonus conditions:Sign up to Esketit via this link to receive a 1% cashback bonus on all of your investments within the first 90 days on the platform.

EstateGuru

estateguru cashback
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

exporo bonus
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

HeavyFinance
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

income cashback
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

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

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).

Kviku Finance

kviku finance bonus
How much?20€ bonus
Bonus conditions:New investors that sign up via this link and invest 100€ or more, get a 20€ bonus added to their Kviku Finance account.

Lendermarket

lendermarket 2022
How much?1% cashback
Bonus conditions:When you sign up via this link, you get 1% cashback on all of your investments in the first 60 days. The entire bonus is added to your account within 5 business days after the 60 days are over (this was mine).

Lande

Lande
How much?1% cashback
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).

Mintos

Mintos bonus
How much?50€ instant bonus & 1% cashback
Bonus conditions:Sign up to Mintos via this link and invest 1.000€ or more before 31.03.2023, to get a â‚¬50 instant bonus and 1% cashback on your average investment in the first 90 days.

Moncera

moncera
How much?1% cashback (limited time!)
Bonus conditions:Sign up to Moncera via this link from 6.1.2023-31.3.2023 to get a 1% cashback bonus on all deposits within the first 60 days on the platform. The bonus is capped at a maximum of 200€ (20.000€ deposit).

Monefit

monefit bonus
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.

Neo Finance

NEO Finance Bonus
How much?10€ bonus
Bonus conditions:Sign up via this link to get a 10€ bonus on Neo Finance after your first deposit (any amount).

PeerBerry

Peerberry Bonus
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

profitus bonus
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.

Reinvest24

reinvest24
How much?10€ bonus
Bonus conditions:Sign up to Reinvest24 via this link to get a 10€ bonus added to your account.

Rendity

Rendity bonus
How much?25€ bonus
Bonus conditions:Sign up to Rendity via this link, to get a 25€ bonus for your first investment.

Robocash

robocash bonus
How much?1% cashback
Bonus conditions:If you sign up via this link, you get 1% cashback on all of your Robocash investments within the first 30 days as an investor.
If you’re coming from my link, the referral code field should be greyed out. If that’s not the case, manually enter this referral code: advE
The 1% cashback bonus is calculated based on all of your investments on Robocash after 30 days and added to your account after that period is over.

Apart from the bonus above, if you invest 5.000€ or more, Robocash offers an interest rate bonus ranging from 0,3% to 1% via its loyalty program:
robocash loyalty program

Swaper

Swaper Bonus
How much?+2% interest
Bonus conditions:Sign up to Swaper via this link and invest 5.000€ or more, to get +2% interest (VIP bonus) on all investments on the platform. 

Tribe Funding

Tribe Funding
How much?0,5% cashback
Bonus conditions:Sign up to Tribe Funding via this link to get 0,5% cashback on all of your investments on the platform during the first 90 days since registration. The cashback is paid out once per month to your Tribe Funding account.

Twino

Twino Bonus
How much?20€ bonus
Bonus conditions:You get a 20€ bonus on Twino if you sign up via this link and invest 500€ or more.

Viainvest

viainvest bonus
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.

Degiro

degiro
How much?100€ Credit (Fee Reimbursement) on Degiro
Bonus conditions:Sign up to Degiro until 28.02.2023 via this link and activate your investment account before 01.03.2023, to get a reimbursement of transaction fees up to 100€.
The first transaction costs and external handling fees up to €100 within the timeframe until the 31st of March 2023 will be reimbursed. The transaction costs and external handling fees you have spent (up to a maximum of €100) will be reimbursed to your DEGIRO account in early April.

To be eligible for this offer, the new client needs to make a first deposit to validate the account (minimum deposit is €0.01) and activate their DEGIRO account.
New clients who started their registration before the offer period, but activate their DEGIRO account during the offer period, are also eligible for this offer.
If an existing account is already linked to the address of the new client, participation is excluded. Each new client can only claim the €100 transaction credit once.
This offer is only valid for new clients with a DEGIRO account from a country listed below.
Availability:🇪🇸 Spain, 🇫🇷 France, 🇮🇪 Ireland, 🇮🇹 Italy, 🇳🇱 Netherlands, 🇵🇹 Portugal, 🇨🇭Switzerland

Trade Republic

trade republic
How much?Free stock (15-25€)
Bonus conditions:Open a free brokerage account with Trade Republic via this link, deposit between 500€-3.000€* and make 3-5 trades* (each trade only costs 1€) of any stock or ETF to get a free share with a value of 15-25€:
15€ if you’re based in Spain, Estonia, Greece, Latvia, Lithuania, Portugal, Slovakia, Slovenia;
20€ if you’re in Belgium, France, Italy, Finland;
25€ if you’re in Germany, Austria, Ireland, Netherlands, Luxembourg.
*Note: minimum deposit and number of trades varies by country. You’ll see the exact details in the app after signing up.
The free share is added to your account one business day after all the conditions have been met. The stock itself can be sold the following day as well.
My wife (based in Austria) received a fractional share of Volkswagen.
Availability:🇪🇺 All over Europe (details above)

Trading 212

Trading 212
How much?Free share up to 100€ in value
Bonus conditions:Here’s how you get a free share with a value of up to 100€ on the broker Trading 212:
1. Open a free Trading 212 Invest account using this link (via the website or mobile app)
2. Activate your account by depositing 10€ or more and verify your identity
3. Enter the promo code: ANGELO in the promo code section of the Trading 212 website or mobile app. This last step may not be needed if you used my link when signing up.
trading 212 promo code
The free shares are usually distributed immediately (I got lucky – this was mine), or at the latest after 3 business days. The monetary value of the free share can be withdrawn 30 business days after the distribution date.
Availability:🇪🇺 All over Europe including 🇬🇧 United Kingdom