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.
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).
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.
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 25€ bonus. You’re only eligible for the bonus within the first 60 days from registration. No referral code needed.
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.
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.
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.
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).
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).
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).
Sign up to Mintos via this link and invest 1.000€ or more before 31.05.2023, to get a €50 instant bonus and 1% cashbackon your average investment in the first 90 days.
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).
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.
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.
If you sign up via this link and invest 5.000€ or more, Robocash adds an interest rate bonus to all of your investments on the platform, ranging from 0,3% to 1,3%.
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.
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.
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
How much?
100€ Credit (Fee Reimbursement) on Degiro
Bonus conditions:
Sign up to Degiro until 31.05.2023via this link and activate your investment account before 01.06.2023, 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 30th of June 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 July.
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.
Free PRIME+ broker and 2,3% interest p.a. on deposits in € (100k deposit guarantee)
Bonus conditions:
Scalable Capital’s PRIME+ Broker subscription is currently free for 3 months when you sign up via this linkbefore July 31st, 2023. As a result, you’re saving 4,99€/month for 3 months and you can cancel anytime (going back to the Free Broker model). Here are the two main benefits you get using PRIME+: 1. 2,3% interest per year on uninvested euro deposits (up to 100.000€), secured by a 100.000€ bank deposit guarantee in Germany. 2. No order fees for any stock or ETF purchase over 250€ using the Gettex exchange
2% interest p.a. on deposits in € (100k deposit guarantee)
Bonus conditions:
Open a free brokerage account with Trade Republic via this link and earn 2% interest per year on up to 50.000€ of uninvested euro deposits, secured by a bank deposit guarantee (up to 100.000€). More details here.
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. 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.
