Last Update: September 8th, 2023

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 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

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.

Crowdpear

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

Debitum Network bonus
How much?1% cashback + 2% cashback (limited time)
Bonus conditions:Sign up to Debitum Network via this link to get 1% cashback on all of your investments within the first 60 days.
Additionally, they’re currently running a summer campaign from July 17th – August 6th: During this period, you get an extra 2% cashback p.a. on your investments into Sandbox Funding assets.

Esketit

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

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).

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 30.09.2023, to get a â‚¬50 instant bonus and 1% cashback on your average investment in the first 90 days.

Moncera

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

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.

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.

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 (loyalty bonus) on all investments on the platform. 

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.

Freedom24

Freedom24 broker logo
How much?Up to 20 free stocks (only in September)
Bonus conditions:Freedom Finance Europe customers can use special promo codes in their Freedom24 member area to receive up to 20 free stocks. The codes can be entered in the platform’s web version only and can be activated in both the web version and the mobile application of Freedom24.

The current promo codes are available to all new Freedom24 customers who register after August 20, 2023. Replenish your investment accounts from September 6 to September 30, 2023 and use an appropriate promo code according to the one-time amount of your top-up to receive free stocks:

3 free stocks for a top-up of 5.000€ to 19.999€ or other currency equivalent, using the promo code: SEPTEMBER5
10 free stocks for a top-up of 20.000€ to 49.999€ or other currency equivalent, using two promo codes: SEPTEMBER20 and SEPTEMBER5
20 free stocks for a top-up of at least 50.000€ or other currency equivalent, using three promo codes: SEPTEMBER50, SEPTEMBER20 and SEPTEMBER5
Availability:🇪🇺 All over Europe

Scalable Capital

scalable capital broker
How much?4% p.a. on deposits in € (100k deposit guarantee)
Bonus conditions:For a limited time, you can get a total of 4% p.a. on up to 100.000€ of uninvested funds on Scalable Capital, secured by a 100.000€ bank deposit guarantee in Germany. Just sign up to PRIME+ via this link to get 2,6% interest p.a. + 1,4% p.a. bonus for 4 months on Scalable.
Availability:🇦🇹 Austria, 🇩🇪 Germany, 🇪🇸 Spain, 🇫🇷 France, 🇮🇹 Italy, 🇳🇱 Netherlands

Trade Republic

trade republic
How much?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.
Availability:🇪🇺 All over Europe

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