p2p lending bonus

Last Update: November 29th, 2022

These are the best, currently available P2P lending bonus and cashback offers in Europe that I’ve found. You should be aware of these before opening an account.

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! 🙂

Recent Updates:

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 the 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 30.11.2022, to get a €50 instant bonus and a 1% bonus 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 investments within the first 60 days on the platform.

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).

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.

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 30.11.2022 via this link and activate your investment account before 01.12.2022, 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 December 2022 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 January.

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

Scalable Capital

scalable capital broker
How much?Free stock (Tesla, Apple, Zalando) or ETF
Bonus conditions:Open a brokerage account with Scalable Capital via this link and have your first trade executed at the latest on the last day of the following month of your account opening (in the form of a one-off purchase or savings plan), to receive a random allocation of Tesla, Apple, Zalando or sustainable ETF shares.
The starting bonus is distributed by a non-public, random allocation.
Availability:🇦🇹 Austria, 🇩🇪 Germany, 🇪🇸 Spain, 🇫🇷 France, 🇮🇹 Italy

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 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

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31 Comments

  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!

    Respectfully,
    Edvinas

    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! 🙂

      Cheers,
      Angelo

      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.
    Seb

    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.
      Cheers,
      Angelo

  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!

      1. Hi Rob,
        They just told me that they managed to fix the issue – you should get your 1% bonus latest by tomorrow. Please let me know to confirm!

        If this happened to anybody else, please contact me!

        1. Hi Angelo,
          I just got an e-mail this afternoon confirming that they have paid me the bonus. I checked my account and it has, indeed, been paid today (31/01/2022). Thanks very much for your assistance. Happy investing!!

    1. Grazie! Nessuna ragione particolare, semplicemente non mi andava di avere un altro account per investire in solo un paese e un loan originator.

      In English in case anyone else is interested in why I’m not invested on Afranga right now: My only reason is because I didn’t want to have one more investment account to invest in a single country (Bulgaria) and loans from a single lending company.

  12. Hi Angelo,

    Have you checked the latest updates of Viainvest securities? It looks quite raw and contains of more bugs and missing data right now..