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
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.
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 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 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.
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.
Freedom24
How much?
Up to 20 free stocks
Bonus conditions:
Sign up to Freedom 24 via this link and use the promo codes below to have up to 20 free stocks added to your account as long as you meet the following conditions by December 31st, 2023:
3 free stocks for a top-up of 5.000€ to 19.999€ or other currency equivalent in a single payment, using the promo code: XMAS5 10 free stocks for a top-up of 20.000€ to 49.999€ or other currency equivalent in a single payment, using two promo codes: XMAS20 and XMAS5 20 free stocks for a top-up of at least 50.000€ or other currency equivalent in a single payment, using three promo codes: XMAS50, XMAS20 and XMAS5
The promo codes can be entered in the platform’s web version or mobile app.
4% interest p.a. on deposits in € (100k deposit guarantee)
Bonus conditions:
Open a free brokerage account with Trade Republic via this link to earn 4% 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.
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.
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 this year.
