p2p lending bonus

Last Update: January 10th, 2022

These are the best, currently available P2P lending bonus and cashback offers in Europe that I’ve found. You should know about these before opening an account. I also included some non-P2P-related promos at the end of this page, which 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! 🙂

Recent Updates:

P2P Lending Bonus Offers

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


Bondster Bonus
How much?1% cashback
Bonus conditions:If you sign up using this link, you get 1% cashback on all your Bondster investments during the first 90 days.


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?25€ bonus
Bonus conditions:Use the Referral Code: VAQK6 to get a 25€ bonus on Debitum Network when you sign up via this link and invest 1.000€ or more.
Debitum Network Referral Code


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


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.


EvoEstate Bonus
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 EvoEstate during the first 6 months since registration.


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.


How much?Up to 4% cashback
Bonus conditions:Sign up to HeavyFinance via this link. Based on the amount of your total investments within the first 30 days, here is the bonus you can earn:
100€ investment: 5€ bonus
500€ investment: 20€ bonus
1.000€ investment: 40€ bonus
5.000€ investment: 75€ bonus
10.000€ investment or more: 2% bonus, max. 1.000€.
The bonus is added to the account 30 days after registration.


income cashback
How much?1% cashback
Bonus conditions:Sign up to Income marketplace via this link and make sure that the referral code: I4IEMZ is applied, to receive 1% cashback on all of your investments within the first 30 days.


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?1,5% bonus
Bonus conditions:First, you need to request a referral here.
After receiving an invite (signing up before won’t work!), you get a 1,5% bonus on all your Iuvo Group investments, when you invest 1.000€ or more in the first 2 months after registration. The bonus is paid out to the Iuvo Group account 3 months after the first deposit & investment. The offer is capped at 150€ (10.000€ 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 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).


lendsecured cashback
How much?1% cashback
Bonus conditions:When signing up via this link, new investors get 1% cashback on all LendSecured investments within the first 180 days.


How much?0,5% cashback
Bonus conditions:Sign up to Moncera via this link to get 0,5% cashback on all investments within the first 60 days.

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).

Nibble Finance

nibble finance cashback
How much?2% cashback
Bonus conditions:Sign up via this link to get 2% cashback on all of your investments on Nibble Finance within the first 90 days.


nordstreet bonus
How much?15€ bonus
Bonus conditions:Get a 15€ bonus when signing up to Nordstreet via this link and investing 100€ or more. The bonus is paid out once per month, between the 15th-19th.


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 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.


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 bonus
How much?1% cashback
Bonus conditions:Sign up to Robocash via this link or use the referral code: advE, to get 1% cashback on all of your investments on the platform within the first 30 days.

robocash referral code bonus
The cashback is calculated based on the total amount that is invested on Robocash after exactly 30 days and added to the account on day 31.
Note: It’s normal for the referral code field to be greyed out with a checkmark if you used my link to sign up – that simply means the code is applied already.


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. 


Twino Bonus
How much?15€ bonus
Bonus conditions:You get a 15€ bonus on Twino if you sign up via this link and invest 100€ or more.


viainvest bonus
How much?10€ bonus
Bonus conditions:Sign up to Viainvest via this link and complete the identity verification process, to get a 10€ bonus added to your account. You should receive the bonus within 5 business days.

Brokers and Exchanges

The following offers have nothing to do with peer to peer lending. That being said, if you also invest into stocks, ETFs or crypto, you might find them useful as well.


How much?-10% fees
Bonus conditions:If you sign up via my link, or enter the referral ID: VZE3CSF6, you get back 10% of all the commissions you pay on the platform.

Binance referral code
Binance is the largest crypto exchange in the world, I have been using them since 2018.

Bux Zero

bux zero
How much?Free share (stock) valued up to 200€
Bonus conditions:If you’re based in the Netherlands, Germany, Austria, Belgium, Spain or France, you get a free share of a stock valued up to 200€ after signing up to the broker Bux Zero via this link and making your first deposit. I received this one.

Trade Republic

trade republic
How much?Free stock between 10€-200€ in value
Bonus conditions:Get a free stock with a value of 10€ to 200€ after signing up to the broker Trade Republic via this link and making your first deposit within 21 days from when you successfully opened your account.

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  1. Hi Angelo,
    thank you for the Iuvo Group bonus, I almost registered without it last week and already got the 90€! 🙂

  2. As a lender you are not covered by any regulation with Flender even though they publicize in the media FCA compliance this is only for UK but they do not follow these rules or guidelines for Ireland.

    Flender have very minimal t&c no complaints procedure listed or followed on their website or clear process.

    An example being a loan where Flender have not advised that given company had multiple loans in the same year and did not advise of these other loans or include these figures in the financials for a further loan.

    Company X already had multiple loans for 2018 which were not listed on Flender website or on most recent and final loan tranche advertized in 2018, it also did not include all debtors for the other loans in the financial snapshot for final loan tranche. So an investor wouldn’t know amounts already loaned to that company or that company already had multiple loans all issued in 2018 by Flender.

    Worst still loan went straight into being paid back using deposit which was not advised until.4 months later.

    Flender advise snapshot in final loan is loan projections snapshot for 2018 and therefore does not need to include all debtors, creditors for all the same company X  other loans which were all issued by Flender in 2018 !

    All above raised with Flender and they offer no recourse or goodwill due to their error.

    Financials could also be more accurate and clearer as on all loans Flender do not include depreciation figure for EBITA

    For a company that has promoted FCA license in media this is not in line with FCA regulations or Flender slogan of putting the customer first.

    Of course capital investment incurs risk but PTP platforms with FCA license are required to issue relevant financial information so that an investor can make an informed decision, which in case highlighted an investor is not able to make a fully informed decision as Financial projections for 2018 does not include all debtors for the period 2018.

    I personally will not be investing significant funds in Flender and I use other PTP who offer recourse for their errors and who’s figures, t&c processes and procedures are more accurate and user friendly even though some may charge a fee or offer lower interest I think for the extra bit of attention to detail and clearness of financials it’s worth it

  3. Debitum Network, nice bonus offer (refer a friend, he invests 250€, you both ger 10€ each). I apologize for doing something in my own interest :P, but i just can’t resist ;):

    It’s still small, but i like how they are more focused on security. I suppose interest rates are lower, but I like that assets are mostly short-term and more secure. Obviously everyone has their own risk and security balance, this one seemed just right for me… 😀 once again, sorry for the reference.

    I can tell more of my insights on this platform, but don’t want to be too disrespectfull to Angelo.

    Angelo, hope its ok, me making this comment. Thank you!


    1. Hey Edvinas,
      thanks for the tip, I’ll look into that!

      I hope you can forgive me, but I removed the referral link from your comment. I still appreciate you sharing your positive experience with the platform though! 🙂


      1. Heh, yeah it’s OK, they recently added some 10% assets, they got almost invested rather fast, i’m kind of sad my money is still stuck on a lower % assets 😀

  4. If Kuetzal as expected turns out to be a proven fraud will you be returning any affiliate commision you earned through them ?

    1. I’d be more than happy to contribute what I received from a few people who used my link on this Cashback page to a lawsuit or anything else I can do to help. I never promoted or linked to them anywhere else on the website or YouTube channel.

  5. Hi, how do you feel about BitOfProperty? I noticed you have them in the list but are not invested in them. Thanks

  6. You are a good man Angelo. One of the only bloggers who had showed humility and morals over the whole Kuetzal/Envestio debacle. You don’t censor your comments and try to rewrite history as many are doing. You can hold your head up high.

    Good luck on your investing going forward and look forward to continuing to enjoy your blog.

    Pete whiskers

  7. Hi, I see Grupeer are now offering a proper referral scheme (not just new loan originators), are you planning to include it on this page. I’m considering starting my P2P portfolio in a few months and they may be one of the providers i’m interested in. I am happy to use a referral link to help this blog out.

    1. Hi Adam,
      yes, I’ve seen that. I noticed new users can get a 10€ bonus that way. My only issue is that I want to keep investment accounts and referrals separate, as I want the accounts to be 100% about my own investments. Otherwise it would screw up my monthly income tracking from each platform and make that way more complicated.
      Nonetheless, that’s very kind of you. By using my link, you’re already supporting me, but I’ll ask Grupeer if they can provide any referral the same 10€ bonus they could get via the internal referral program.

  8. Hi Angelo, love the page. Started following you on Youtube as new European Investor so the tips are great. Set up my DEGIRO account after watching your video and very happy so far!…. Just wondering would you consider doing a video or even be able to help with information on stock/ETF taxation. I know each country has different taxtion laws etc but I’m not really sure how tax works for European’s owning stock from countries outside your own. I guess my main question is, if you own, say stock in an American company do you have to pay tax on the sale/dividends. I’ve heard of W8BEN forms but not totally sure what their relevance is. Thanks!

    1. Thank you Chris! You have to check how it works in your country, but for most countries it doesn’t really matter where the stock itself is from – you have to pay whichever tax rate you have in your home country on capital gains & dividends.

  9. Hi Angelo,
    I am ok with the fact that you list platforms where you do not invest.
    But many of the offers you promote are not available anymore.
    I only list 3 of them : PeeBerry, Viainvest, Twino, etc….
    Please keep this part up to date as it becomes false information to new investors.

    1. Hey Seb,
      I don’t know why you think that, with all 3 of the platforms you mentioned, the offers are still available via my links – you can even see them right away (and the terms) after clicking their links on this site. If I’m somehow mistaken, please let me know.

  10. Hello Angelo.

    Thank’s for all your videos and educating financially a lot of people. Have helped me a lot.

    Is it possible that your “Viainvest” link also works with the “REFER-A-FRIEND” promotion for 15€ after 50€ invested?

    Thank you for the updated information if so.

    1. Hey Ghize,
      my pleasure, I’m very happy to hear that!
      Sadly no, since there is no way to separate the refer-a-friend offer from my investment account and I never want to mix the two (would require manual work/checks daily and deactivating the auto invest).
      I can only offer the 10€ promo after signing up via my link, I hope that’s still ok 🙂 At least it comes without the 50€ investment condition.

  11. Hi Angelo,
    I signed up to Lendermarket on 09/11/2021 using your link, but I didn’t receive the bonus and Lendermarket claim that I didn’t sign up with an affiliate link. So it looks like your link doesn’t work. Just thought you ought to know.

    1. Hey Rob,
      thank you for reaching out to me!
      Nothing changed about the bonus offer, you should get it after 60 days using my link. Apparently there must have been some tracking issues, you’re the first one to ever mention not getting their bonus on Lendermarket.

      I just contacted them, I’ll do my best to make sure you get it!