Monefit SmartSaver
Forbruger7.5-10.5% Afkast
Fordele
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Ulemper
- Not regulated
- Single loan originator
Vurdering
Best platform for beginners. Very user-friendly and reliable payments.
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Platformssammenligning (23)
Sponsorerede placeringer, når de findes, bliver udtrykkeligt oplyst. Sponsoring må kun påvirke en platforms position i sammenligningstabellen, aldrig dens rating, anmeldelsens vurdering eller den redaktionelle bedømmelse.
| Kategori | Reg | Bonus | Registrer | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Forbruger | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registrer |
| Nectaro | Forbruger | 14.9% | 6/10 | None | 1.0% Cashback First 30 days • Max 200€ | €10 | Registrer |
| PeerBerry | Forbruger | 11% | 2/10 | ECSP | Op til 1.0% VIP VIP Loyalty Program | €10 | Registrer |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | 25€ Fast Bonus Min €1500 • 30 days | €50 | Registrer |
| Esketit | Forbruger | 12-14% | 8/10 | None | 0.5%-1.0% Cashback First 90 days • Gold/Platinum status | €10 | Registrer |
| Afranga | Erhverv | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrer |
| InRento | Fast Ejendom | ~12% | 2/10 | Lithuanian CB | 20€ Fast Bonus First project • Min €500 | €100 | Registrer |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Op til 5.5% Cashback Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€ | €100 | Registrer |
| Triple Dragon | Gaming | 14% | 6/10 | None | Op til 3.0% Cashback 1% (60 days) + 2% extra campaign | €50 | Registrer |
| Lendermarket | Forbruger | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrer |
| Maclear | Erhverv | up to 15% | 3/10 | ECSP | 15€ + Loyalitetspoint Invest €50 within 7 days | €50 | Registrer |
| Modena | Forbruger | 8.5-11% | 2/10 | Regulated | — | €50 | Registrer |
| Viainvest | Forbruger | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registrer |
| Income Marketplace | Forbruger | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registrer |
| Ventus Energy | Energi | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registrer |
| LANDE | Landbrug | up to 14% | 6/10 | None | +3% First investment | €50 | Registrer |
| Debitum | Erhverv | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrer |
| Bondora | Forbruger | 6.75% | 1/10 | Regulated | 5€ + Op til 200€ Welcome bonus • 90 days no-withdrawal | €1 | Registrer |
| Revest | Fast Ejendom | up to 13% | 5/10 | None | — | €0 | Registrer |
| SAVY | Forbruger | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrer |
| Letsinvest | Fast Ejendom | up to 12% | 5/10 | ECSP | — | €100 | Registrer |
| Bondster | Forbruger | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrer |
| Asterra Estate | Fast Ejendom | up to 14% | 6/10 | None | — | €100 | Registrer |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC First investment | €100 | Registrer |
Monefit SmartSaver
Consumer
❌
Afkast
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
✅
Afkast
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Fast Bonus
Min €1500 • 30 days
Min €1500 • 30 days
PeerBerry
Consumer
✅
Afkast
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Op til 1.0% VIP
VIP Loyalty Program
VIP Loyalty Program
Esketit
Consumer
❌
Afkast
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Afkast
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days • Max 200€
First 30 days • Max 200€
Afranga
Business
✅
Afkast
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Afkast
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fast Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Afkast
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Op til 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Gaming
❌
Afkast
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Op til 3.0% Cashback
1% (60 days) + 2% extra campaign
1% (60 days) + 2% extra campaign
Lendermarket
Consumer
❌
Afkast
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Afkast
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Loyalitetspoint
Invest €50 within 7 days
Invest €50 within 7 days
Modena
Consumer
✅
Afkast
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Viainvest
Consumer
✅
Afkast
~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
❌
Afkast
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Afkast
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
❌
Afkast
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
First investment
Debitum
Business
✅
Afkast
~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
✅
Afkast
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Op til 200€
Welcome bonus • 90 days no-withdrawal
Welcome bonus • 90 days no-withdrawal
Revest
Real Estate
❌
Afkast
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
SAVY
Consumer
✅
Afkast
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
✅
Afkast
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Afkast
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
❌
Afkast
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
🎁 Bonusser
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
25€ Fast Bonus
Min €1500 • 30 days
PeerBerry
Op til 1.0% VIP
VIP Loyalty Program
Esketit
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
Nectaro
1.0% Cashback
First 30 days • Max 200€
Afranga
0.5% Cashback
First 90 days
InRento
20€ Fast Bonus
First project • Min €500
Indemo
Op til 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Op til 3.0% Cashback
1% (60 days) + 2% extra campaign
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + Loyalitetspoint
Invest €50 within 7 days
Modena
Ingen bonusser tilgængelige i øjeblikket
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
+3%
First investment
Debitum
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Bondora
5€ + Op til 200€
Welcome bonus • 90 days no-withdrawal
Revest
Ingen bonusser tilgængelige i øjeblikket
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Ingen bonusser tilgængelige i øjeblikket
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Ingen bonusser tilgængelige i øjeblikket
8lends
30 USDC
First investment
Krypto-platforme: tjek de individuelle opslag ovenfor for tilgængelige bonusser.
📝 Platformanmeldelser
Detaljeret analyse baseret på min personlige erfaring.
Mintos
Multi-Asset~12% Afkast
Fordele
- Largest platform
- Regulated
- €20K protection
- Many loan types
Ulemper
- Complex for beginners
- Past defaults
Vurdering
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Forbruger11% Afkast
Fordele
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Ulemper
- Lower returns
- Limited loan types
Vurdering
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Forbruger12-14% Afkast
Fordele
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Ulemper
- Not regulated
- High risk
Vurdering
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Forbruger14.9% Afkast
Fordele
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Ulemper
- New platform (2023)
- Not regulated
- Limited track record
Vurdering
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Erhverv14.75% Afkast
Fordele
- High returns
- ECSP regulated
- Business loans
- Good track record
Ulemper
- Bulgarian focus
- Less known
Vurdering
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Fast Ejendom~12% Afkast
Fordele
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Ulemper
- Longer lock-in
- Limited availability
Vurdering
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Afkast
Fordele
- NPL investing unique
- High returns
- Regulated
- Collateralized
Ulemper
- Complex for beginners
- Longer lock-in
Vurdering
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Afkast
Fordele
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Ulemper
- Not regulated
- Niche market
Vurdering
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Forbruger~14% Afkast
Fordele
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Ulemper
- Not regulated
- Limited transparency
Vurdering
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Erhvervup to 15% Afkast
Fordele
- Regulated
- Business loans
- Up to 15%
- Transparent
Ulemper
- Newer platform
- Limited track record
Vurdering
Newer regulated platform with business loans. Good transparency and potential.
Modena
Forbruger8.5-11% Afkast
Fordele
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Ulemper
- Lower returns
- Limited loan types
Vurdering
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Forbruger~11.8% Afkast
Fordele
- Regulated
- Steady returns
- Auto-invest
- Buyback
Ulemper
- Limited diversification
- Latvian focus
Vurdering
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Forbruger~13% Afkast
Fordele
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Ulemper
- Not regulated
- Newer platform
Vurdering
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energi6-12% Afkast
Fordele
- Green energy
- Unique niche
- Sustainability
- Diversification
Ulemper
- Not regulated
- High risk
- Variable returns
Vurdering
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Landbrugup to 14% Afkast
Fordele
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Ulemper
- Not regulated
- Seasonal risk
Vurdering
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Erhverv~10% Afkast
Fordele
- Regulated
- Business loans
- Diversified originators
- Solid track record
Ulemper
- Lower returns
- Less exciting
Vurdering
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Forbruger6.75% Afkast
Fordele
- Go and Grow
- Regulated
- Very simple
- Long track record
Ulemper
- Lowest returns
- Limited control
Vurdering
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Fast Ejendomup to 13% Afkast
Fordele
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Ulemper
- Not regulated
- Newer platform
- Limited track record
Vurdering
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Forbrugerup to 13% Afkast
Fordele
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Ulemper
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Vurdering
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
Fast Ejendomup to 12% Afkast
Fordele
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Ulemper
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Vurdering
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Forbrugerup to 14% Afkast
Fordele
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Ulemper
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Vurdering
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
Fast Ejendomup to 14% Afkast
Fordele
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Ulemper
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Vurdering
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.
🚀 Roadmap og forbedringer
Mobilapp
Native iOS/Android-app til porteføljeovervågning på farten.
Porteføljetracker Aktiv
Synk i realtid med platforme for at følge afkast.
Smarte alarmer
Notifikationer om nye muligheder og platformopdateringer.
⚠️ Risikoadvarsel
At investere i P2P-udlånsplatforme indebærer risici, herunder risikoen for delvist eller totalt tab af det investerede kapital. Din investering er ikke dækket af indskudsgarantiordninger i henhold til direktiv 2014/49/EU eller investorgarantiordninger i henhold til direktiv 1997/9/EF. Du modtager muligvis intet afkast. Dette er ikke et opsparingsprodukt, og vi anbefaler, at du ikke investerer mere end 10 % af din nettoformue. Dette er ikke finansiel rådgivning. I henhold til forordning (EU) 2020/1503.
👋 Om Mig
Francesco fra Italien, passioneret for alternative investeringer.
Jeg tester personligt hver anbefalet platform med egne penge. Ingen marketing, kun praktisk analyse.
— Francesco