Monefit SmartSaver
Spotřebitelské7.5-10.5% Výnosy
Výhody
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Nevýhody
- Not regulated
- Single loan originator
Verdikt
Best platform for beginners. Very user-friendly and reliable payments.
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Nezávislé srovnání s daňovou kalkulačkou.
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Avg Return
Srovnání Platforem (24)
Sponzorovaná umístění jsou, pokud existují, výslovně označena. Sponzoring může ovlivnit pouze pozici platformy v porovnávací tabulce, nikdy její hodnocení, závěr recenze ani redakční posouzení.
| Kategorie | Reg | Bonus | Registrovat | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Spotřebitelské | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registrovat |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Až do 6000 USDT Použij kód FRA555 • Až do 6000 USDT | €0 | Registrovat |
| Nectaro | Spotřebitelské | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Registrovat |
| PeerBerry | Spotřebitelské | 11% | 2/10 | ECSP | 0.5% Welcome + Až do 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registrovat |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Až do 500€ Pevný Bonus Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registrovat |
| Esketit | Spotřebitelské | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | Registrovat |
| Afranga | Obchodní | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrovat |
| InRento | Nemovitosti | ~12% | 2/10 | Lithuanian CB | 20€ Pevný Bonus First project • Min €500 | €100 | Registrovat |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Až do 5% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | Registrovat |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrovat |
| Lendermarket | Spotřebitelské | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrovat |
| Maclear | Obchodní | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | Registrovat |
| Modena | Spotřebitelské | 8.5-11% | 2/10 | Regulated | Až do 1025€ Pevný Bonus Newcomer campaign on official site | €50 | Registrovat |
| Viainvest | Spotřebitelské | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registrovat |
| Income Marketplace | Spotřebitelské | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registrovat |
| Ventus Energy | Energie | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registrovat |
| LANDE | Zemědělské | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registrovat |
| Debitum | Obchodní | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrovat |
| Bondora | Spotřebitelské | ~6% | 1/10 | Regulated | 5€ Pevný Bonus Welcome bonus • Invest €50 in 30 days | €1 | Registrovat |
| Revest | Nemovitosti | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Registrovat |
| SAVY | Spotřebitelské | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrovat |
| Letsinvest | Nemovitosti | up to 12% | 5/10 | ECSP | — | €100 | Registrovat |
| Bondster | Spotřebitelské | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrovat |
| Asterra Estate | Nemovitosti | up to 14% | 6/10 | None | — | €100 | Registrovat |
| FF Forest | Zemědělské | up to 18% | 8/10 | None | — | €500 | Registrovat |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €100 | Registrovat |
Monefit SmartSaver
Consumer
❌
Výnosy
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
5€ instant + 0.5% cashback (90 days)
Mintos
Multi-Asset
✅
Výnosy
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Až do 500€ Pevný Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
PeerBerry
Consumer
✅
Výnosy
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Až do 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Výnosy
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1.5% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Výnosy
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 30 days • Max €200
First 30 days • Max €200
Afranga
Business
✅
Výnosy
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Výnosy
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Pevný Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Výnosy
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Až do 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Výnosy
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Výnosy
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Výnosy
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Welcome €15 + 3% cashback first 90 days
Modena
Consumer
✅
Výnosy
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
Až do 1025€ Pevný Bonus
Newcomer campaign on official site
Newcomer campaign on official site
Viainvest
Consumer
✅
Výnosy
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Auto-invest only • First quarter
Income Marketplace
Consumer
❌
Výnosy
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Výnosy
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
Extra yield on green investments
LANDE
Agricultural
❌
Výnosy
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 90 days • Both parties
First 90 days • Both parties
Debitum
Business
✅
Výnosy
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Perpetual loyalty boost by tier
Bondora
Consumer
✅
Výnosy
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Pevný Bonus
Welcome bonus • Invest €50 in 30 days
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
❌
Výnosy
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest within 30 days • Both parties
Invest within 30 days • Both parties
SAVY
Consumer
✅
Výnosy
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Výnosy
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Výnosy
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Výnosy
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
FF Forest
Agricultural
❌
Výnosy
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
🎁 Bonusy
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Až do 500€ Pevný Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Až do 6000 USDT
Použij kód FRA555 • Až do 6000 USDT
PeerBerry
0.5% Welcome + Až do 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
1.5% Cashback
First 90 days • Gold/Platinum status
Nectaro
1% Cashback
First 30 days • Max €200
Afranga
0.5% Cashback
First 90 days
InRento
20€ Pevný Bonus
First project • Min €500
Indemo
Až do 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
1% Cashback
Invest within 60 days • Both parties
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Modena
Až do 1025€ Pevný Bonus
Newcomer campaign on official site
Viainvest
1.0% Cashback
Auto-invest only • First quarter
Income Marketplace
1.0% Cashback
First 30 days
Ventus Energy
+1.0% Interest Boost
Extra yield on green investments
LANDE
1% Cashback
First 90 days • Both parties
Debitum
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Bondora
5€ Pevný Bonus
Welcome bonus • Invest €50 in 30 days
Revest
0.5% Cashback
Invest within 30 days • Both parties
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Žádné bonusy momentálně k dispozici
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Žádné bonusy momentálně k dispozici
FF Forest
Žádné bonusy momentálně k dispozici
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC + 6% in 8LNDS tokens on every investment
Krypto platformy: zkontrolujte jednotlivé záznamy výše pro dostupné bonusy.
📝 Recenze Platforem
Podrobná analýza na základě mé osobní zkušenosti.
Mintos
Multi-Asset~12% Výnosy
Výhody
- Largest platform
- Regulated
- €20K protection
- Many loan types
Nevýhody
- Complex for beginners
- Past defaults
Verdikt
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Spotřebitelské11% Výnosy
Výhody
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Nevýhody
- Lower returns
- Limited loan types
Verdikt
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Spotřebitelské12-14% Výnosy
Výhody
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Nevýhody
- Not regulated
- High risk
Verdikt
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Spotřebitelské14.9% Výnosy
Výhody
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Nevýhody
- New platform (2023)
- Not regulated
- Limited track record
Verdikt
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Obchodní14.75% Výnosy
Výhody
- High returns
- ECSP regulated
- Business loans
- Good track record
Nevýhody
- Bulgarian focus
- Less known
Verdikt
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Nemovitosti~12% Výnosy
Výhody
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Nevýhody
- Longer lock-in
- Limited availability
Verdikt
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Výnosy
Výhody
- NPL investing unique
- High returns
- Regulated
- Collateralized
Nevýhody
- Complex for beginners
- Longer lock-in
Verdikt
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Výnosy
Výhody
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Nevýhody
- Not regulated
- Niche market
Verdikt
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Spotřebitelské~14% Výnosy
Výhody
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Nevýhody
- Not regulated
- Limited transparency
Verdikt
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Obchodníup to 15.6% Výnosy
Výhody
- Regulated
- Business loans
- Up to 15.6%
- Transparent
Nevýhody
- Newer platform
- Limited track record
Verdikt
Newer regulated platform with business loans. Good transparency and potential.
Modena
Spotřebitelské8.5-11% Výnosy
Výhody
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Nevýhody
- Lower returns
- Limited loan types
Verdikt
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Spotřebitelské~11.8% Výnosy
Výhody
- Regulated
- Steady returns
- Auto-invest
- Buyback
Nevýhody
- Limited diversification
- Latvian focus
Verdikt
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Spotřebitelské~13% Výnosy
Výhody
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Nevýhody
- Not regulated
- Newer platform
Verdikt
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energie6-12% Výnosy
Výhody
- Green energy
- Unique niche
- Sustainability
- Diversification
Nevýhody
- Not regulated
- High risk
- Variable returns
Verdikt
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Zemědělskéup to 14% Výnosy
Výhody
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Nevýhody
- Not regulated
- Seasonal risk
Verdikt
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Obchodní~10% Výnosy
Výhody
- Regulated
- Business loans
- Diversified originators
- Solid track record
Nevýhody
- Lower returns
- Less exciting
Verdikt
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Spotřebitelské~6% Výnosy
Výhody
- Go and Grow
- Regulated
- Very simple
- Long track record
Nevýhody
- Lowest returns
- Limited control
Verdikt
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Nemovitostiup to 13% Výnosy
Výhody
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Nevýhody
- Not regulated
- Newer platform
- Limited track record
Verdikt
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Spotřebitelskéup to 13% Výnosy
Výhody
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Nevýhody
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Verdikt
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Nemovitostiup to 12% Výnosy
Výhody
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Nevýhody
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Verdikt
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Spotřebitelskéup to 14% Výnosy
Výhody
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Nevýhody
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Verdikt
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
Asterra Estate
Nemovitostiup to 14% Výnosy
Výhody
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Nevýhody
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Verdikt
Interesting higher-yield property platform for diversification, but it should be treated as a more speculative real-estate allocation rather than a core low-risk holding.
FF Forest
Zemědělskéup to 18% Výnosy
Výhody
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nevýhody
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Verdikt
Unique sustainable forestry platform backed by Latvian land assets offering up to 18% returns. Interesting green niche but treat as high-risk due to lack of regulation and short track record.
🚀 Roadmapa a vylepšení
Mobilní aplikace
Nativní iOS/Android aplikace pro sledování portfolia na cestách.
Sledování portfolia Aktivní
Synchronizace v reálném čase s platformami pro sledování výnosů.
Chytrá upozornění
Notifikace o nových příležitostech a aktualizacích platforem.
⚠️ Upozornění na Riziko
Investování do P2P úvěrových platforem s sebou nese rizika, včetně rizika částečné nebo úplné ztráty investovaných prostředků. Vaše investice není kryta systémy pojištění vkladů podle směrnice 2014/49/EU ani systémy odškodnění investorů podle směrnice 1997/9/ES. Nemusíte obdržet žádný výnos. Nejedná se o spořicí produkt a doporučujeme neinvestovat více než 10 % svého čistého jmění. Toto není finanční poradenství. V souladu s nařízením (EU) 2020/1503.
👋 O Mně
Francesco z Itálie, nadšenec pro alternativní investice.
Osobně testuji každou doporučenou platformu vlastními penězi. Žádný marketing, jen praktická analýza.
— Francesco