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Vergleich (23)

Gesponserte Platzierungen werden, sofern vorhanden, ausdrücklich gekennzeichnet. Sponsoring kann nur die Position einer Plattform in der Vergleichstabelle beeinflussen, niemals ihr Rating, das Fazit der Bewertung oder die redaktionelle Einschätzung.

Kategorie Reg Bonus Registrieren
Monefit SmartSaver ⭐ #1
Verbraucher • EE • EUR
 Verbraucher 7.5-10.5% 3/10 None 0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)		 €5 Registrieren
Nectaro 🏆 TOP
Verbraucher • LV • EUR
 Verbraucher 14.9% 6/10 None 1.0% Cashback
First 30 days • Max 200€		 €10 Registrieren
PeerBerry 5/5
Verbraucher • EUR
 Verbraucher 11% 2/10 ECSP Bis zu 1.0% VIP
VIP Loyalty Program		 €10 Registrieren
Mintos 5/5
Multi-Asset • LV • EUR
 Multi-Asset ~12% 5/10 MiFID II 25€ Fester Bonus
Min €1500 • 30 days		 €50 Registrieren
Esketit 3.5/5
Verbraucher • EUR
 Verbraucher 12-14% 8/10 None 0.5%-1.0% Cashback
First 90 days • Gold/Platinum status		 €10 Registrieren
Afranga 4.5/5
Business • BG • EUR
 Business 14.75% 4/10 ECSP 0.5% Cashback
First 90 days		 €10 Registrieren
InRento 4.8/5
Immobilien • LT • EUR
 Immobilien ~12% 2/10 Lithuanian CB 20€ Fester Bonus
First project • Min €500		 €100 Registrieren
Indemo 4/5
NPL • EUR
 NPL 15-18% 5/10 Regulated Bis zu 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€		 €100 Registrieren
Triple Dragon 3/5
Gaming • EUR
 Gaming 14% 6/10 None Bis zu 3.0% Cashback
1% (60 days) + 2% extra campaign		 €50 Registrieren
Lendermarket 3.5/5
Verbraucher • EUR
 Verbraucher ~14% 6/10 None 10€ + 1.0% Cashback
First 90 days		 €10 Registrieren
Maclear 4/5
Business • EUR
 Business up to 15% 3/10 ECSP 15€ + Treuepunkte
Invest €50 within 7 days		 €50 Registrieren
Modena 4/5
Verbraucher • EUR
 Verbraucher 8.5-11% 2/10 Regulated — €50 Registrieren
Viainvest 4/5
Verbraucher • EUR
 Verbraucher ~11.8% 2/10 Regulated 1.0% Cashback
Auto-invest only • First quarter		 €10 Registrieren
Income Marketplace 4/5
Verbraucher • EUR
 Verbraucher ~13% 3/10 None 1.0% Cashback
First 30 days		 €10 Registrieren
Ventus Energy 3/5
Energie • EUR
 Energie 6-12% 8/10 None +1.0% Interest Boost
Extra yield on green investments		 €50 Registrieren
LANDE 3.5/5
Landwirtschaft • EUR
 Landwirtschaft up to 14% 6/10 None +3%
First investment		 €50 Registrieren
Debitum 4/5
Business • EUR
 Business ~10% 2/10 Regulated +0.5%/+2% Loyalty
Perpetual loyalty boost by tier		 €50 Registrieren
Bondora 4/5
Verbraucher • EE • EUR
 Verbraucher 6.75% 1/10 Regulated 5€ + Bis zu 200€
Welcome bonus • 90 days no-withdrawal		 €1 Registrieren
Revest 3.5/5
Immobilien • EUR
 Immobilien up to 13% 5/10 None — €0 Registrieren
SAVY 4/5
Verbraucher • EUR
 Verbraucher up to 13% 5/10 Bank of Lithuania 1% Cashback
First 90 days • Max €1,000		 €10 Registrieren
Letsinvest 4/5
Immobilien • EUR
 Immobilien up to 12% 5/10 ECSP — €100 Registrieren
Bondster 3.5/5
Verbraucher • EUR
 Verbraucher up to 14% 6/10 None 1% Cashback
First 90 days via referral		 €5 Registrieren
Asterra Estate 3.5/5
Immobilien • EUR
 Immobilien up to 14% 6/10 None — €100 Registrieren
Monefit SmartSaver
Consumer
❌
Renditen
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Registrieren
Mintos
Multi-Asset
✅
Renditen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Fester Bonus
Min €1500 • 30 days
Registrieren
PeerBerry
Consumer
✅
Renditen
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Bis zu 1.0% VIP
VIP Loyalty Program
Registrieren
Esketit
Consumer
❌
Renditen
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
Registrieren
Nectaro
Consumer
❌
Renditen
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days • Max 200€
Registrieren
Afranga
Business
✅
Renditen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
Registrieren
InRento
Real Estate
✅
Renditen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fester Bonus
First project • Min €500
Registrieren
Indemo
NPL
✅
Renditen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Bis zu 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Registrieren
Triple Dragon
Gaming
❌
Renditen
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Bis zu 3.0% Cashback
1% (60 days) + 2% extra campaign
Registrieren
Lendermarket
Consumer
❌
Renditen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
Registrieren
Maclear
Business
✅
Renditen
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Treuepunkte
Invest €50 within 7 days
Registrieren
Modena
Consumer
✅
Renditen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Registrieren
Viainvest
Consumer
✅
Renditen
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Registrieren
Income Marketplace
Consumer
❌
Renditen
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
Registrieren
Ventus Energy
Energy
❌
Renditen
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
Registrieren
LANDE
Agricultural
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
Registrieren
Debitum
Business
✅
Renditen
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Registrieren
Bondora
Consumer
✅
Renditen
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Bis zu 200€
Welcome bonus • 90 days no-withdrawal
Registrieren
Revest
Real Estate
❌
Renditen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Registrieren
SAVY
Consumer
✅
Renditen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
Registrieren
Letsinvest
Real Estate
✅
Renditen
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Registrieren
Bondster
Consumer
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
Registrieren
Asterra Estate
Real Estate
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Registrieren

🎁 Boni

⭐ Monefit SmartSaver
0.5% Cashback + 5€

5€ instant + 0.5% cashback (90 days)

Bonus
🌐 Mintos
25€ Fester Bonus

Min €1500 • 30 days

Bonus
🫐 PeerBerry
Bis zu 1.0% VIP

VIP Loyalty Program

Bonus
💸 Esketit
0.5%-1.0% Cashback

First 90 days • Gold/Platinum status

Bonus
🏆 Nectaro
1.0% Cashback

First 30 days • Max 200€

Bonus
💼 Afranga
0.5% Cashback

First 90 days

Bonus
🏠 InRento
20€ Fester Bonus

First project • Min €500

Bonus
⚡ Indemo
Bis zu 5.5% Cashback

Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€

Bonus
🎮 Triple Dragon
Bis zu 3.0% Cashback

1% (60 days) + 2% extra campaign

Bonus
📊 Lendermarket
10€ + 1.0% Cashback

First 90 days

Bonus
🏢 Maclear
15€ + Treuepunkte

Invest €50 within 7 days

Bonus
💎 Modena
Kein Bonus derzeit verfügbar
📈 Viainvest
1.0% Cashback

Auto-invest only • First quarter

Bonus
💵 Income Marketplace
1.0% Cashback

First 30 days

Bonus
🌿 Ventus Energy
+1.0% Interest Boost

Extra yield on green investments

Bonus
🌾 LANDE
+3%

First investment

Bonus
🔷 Debitum
+0.5%/+2% Loyalty

Perpetual loyalty boost by tier

Bonus
🟠 Bondora
5€ + Bis zu 200€

Welcome bonus • 90 days no-withdrawal

Bonus
🏡 Revest
Kein Bonus derzeit verfügbar
🛡️ SAVY
1% Cashback

First 90 days • Max €1,000

Bonus
🏗️ Letsinvest
Kein Bonus derzeit verfügbar
🔗 Bondster
1% Cashback

First 90 days via referral

Bonus
🏘️ Asterra Estate
Kein Bonus derzeit verfügbar
₿ 8lends
30 USDC

First investment

Bonus

Krypto-Plattformen: Überprüfen Sie die einzelnen Einträge oben für verfügbare Boni.

📝 Bewertungen

Detaillierte Analyse basierend auf persönlicher Erfahrung.

Mintos

Multi-Asset
5/5
~12% Renditen
✅ MiFID II MEDIUM

Vorteile

  • Largest platform
  • Regulated
  • €20K protection
  • Many loan types

Nachteile

  • Complex for beginners
  • Past defaults

Urteil

The most established P2P platform in Europe. Great for diversification.

Registrieren → Mintos

PeerBerry

Verbraucher
5/5
11% Renditen
✅ ECSP LOW

Vorteile

  • Zero investor losses
  • ECSP regulated
  • Strong buyback
  • Reliable

Nachteile

  • Lower returns
  • Limited loan types

Urteil

Most reliable platform. Zero losses since launch makes it perfect for conservative investors.

Registrieren → PeerBerry

Esketit

Verbraucher
3.5/5
12-14% Renditen
❌ Unreguliert HIGH

Vorteile

  • High returns
  • Auto-invest
  • Buyback guarantee
  • Easy UI

Nachteile

  • Not regulated
  • High risk

Urteil

High-risk platform with attractive returns. Buyback guarantee provides some security.

Registrieren → Esketit

Nectaro

Verbraucher
🏆 TOP
14.9% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • Highest returns
  • 0% default rate
  • Simple to use
  • Fast growth

Nachteile

  • New platform (2023)
  • Not regulated
  • Limited track record

Urteil

Highest returns in 2026. New but very promising. Worth testing with small amounts.

Registrieren → Nectaro

InRento

Immobilien
4.8/5
~12% Renditen
✅ Lithuanian CB LOW

Vorteile

  • Real estate backed
  • Zero defaults
  • Regulated
  • Monthly income

Nachteile

  • Longer lock-in
  • Limited availability

Urteil

Best real estate platform. Monthly rental income + property appreciation.

Registrieren → InRento

Indemo

NPL
4/5
15-18% Renditen
✅ MEDIUM

Vorteile

  • NPL investing unique
  • High returns
  • Regulated
  • Collateralized

Nachteile

  • Complex for beginners
  • Longer lock-in

Urteil

Unique NPL (non-performing loans) platform. High returns for experienced investors.

Registrieren → Indemo

Lendermarket

Verbraucher
3.5/5
~14% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • High returns
  • Buyback guarantee
  • Auto-invest
  • Creditstar backing

Nachteile

  • Not regulated
  • Limited transparency

Urteil

Solid platform backed by Creditstar group. Good returns with buyback guarantee.

Registrieren → Lendermarket

Modena

Verbraucher
4/5
8.5-11% Renditen
✅ LOW

Vorteile

  • Regulated
  • Conservative
  • Reliable returns
  • Good for beginners

Nachteile

  • Lower returns
  • Limited loan types

Urteil

Conservative regulated option. Perfect for risk-averse investors seeking steady returns.

Registrieren → Modena

Ventus Energy

Energie
3/5
6-12% Renditen
❌ Unreguliert HIGH

Vorteile

  • Green energy
  • Unique niche
  • Sustainability
  • Diversification

Nachteile

  • Not regulated
  • High risk
  • Variable returns

Urteil

Green energy focus offers unique diversification. High risk but aligns with sustainability goals.

Registrieren → Ventus Energy

LANDE

Landwirtschaft
3.5/5
up to 14% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • Agricultural loans unique
  • Collateralized by land
  • 14%
  • Niche

Nachteile

  • Not regulated
  • Seasonal risk

Urteil

Unique agricultural niche with land collateral. Seasonal risks but good diversification option.

Registrieren → LANDE

Debitum

Business
4/5
~10% Renditen
✅ LOW

Vorteile

  • Regulated
  • Business loans
  • Diversified originators
  • Solid track record

Nachteile

  • Lower returns
  • Less exciting

Urteil

Reliable regulated business loans platform. Conservative returns but very solid track record.

Registrieren → Debitum

Revest

Immobilien
3.5/5
up to 13% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • Real estate backed
  • Up to 13% returns
  • Collateralized loans
  • Simple UI

Nachteile

  • Not regulated
  • Newer platform
  • Limited track record

Urteil

Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.

Registrieren → Revest

SAVY

Verbraucher
4/5
up to 13% Renditen
✅ Bank of Lithuania MEDIUM

Vorteile

  • Long operating history
  • Regulated local operator
  • Consumer loans diversification
  • Auto-invest available

Nachteile

  • Lithuanian market concentration
  • Consumer-credit cyclicality
  • Less passive than cash-style products

Urteil

Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.

Registrieren → SAVY

Letsinvest

Immobilien
4/5
up to 12% Renditen
✅ ECSP MEDIUM

Vorteile

  • Real-estate backed focus
  • Regulated crowdfunding profile
  • Project-by-project transparency
  • Accessible entry ticket

Nachteile

  • Property-market liquidity risk
  • Project pipeline can vary
  • Capital can stay locked until exit

Urteil

Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.

Registrieren → Letsinvest

Bondster

Verbraucher
3.5/5
up to 14% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • High advertised yields
  • Broad consumer-loan selection
  • Buyback-heavy marketplace model
  • Low entry threshold

Nachteile

  • No top-tier regulation
  • Originator quality matters a lot
  • Higher risk than conservative peers

Urteil

Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.

Registrieren → Bondster

Asterra Estate

Immobilien
3.5/5
up to 14% Renditen
❌ Unreguliert MEDIUM

Vorteile

  • Asset-backed real-estate angle
  • Attractive target yields
  • Simple niche positioning
  • Useful diversification beyond consumer loans

Nachteile

  • Limited public track record
  • No strong regulation visible
  • Real-estate execution risk

Urteil

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.

Registrieren → Asterra Estate

🚀 Roadmap & Verbesserungen

📱

Mobile App

Native iOS/Android-App für Portfolio-Tracking unterwegs.

📊

Portfolio-Tracker Aktiv

Echtzeit-Sync mit Plattformen zur Überwachung der Renditen.

🔔

Intelligente Alerts

Benachrichtigungen über neue Chancen und Plattform-Updates.

⚠️ Risikowarnung

Das Investieren in P2P-Kreditplattformen birgt Risiken, einschließlich des Risikos eines teilweisen oder vollständigen Verlustes des investierten Kapitals. Ihre Investition ist weder durch Einlagensicherungssysteme gemäß Richtlinie 2014/49/EU noch durch Anlegerentschädigungssysteme gemäß Richtlinie 1997/9/EG abgedeckt. Sie erhalten möglicherweise keine Rendite. Dies ist kein Sparprodukt und wir empfehlen, nicht mehr als 10 % Ihres Nettovermögens zu investieren. Dies ist keine Finanzberatung. Gemäß Verordnung (EU) 2020/1503.

👋 Über Mich

Francesco aus Italien, leidenschaftlich über alternative Investitionen.

Ich teste jede empfohlene Plattform persönlich mit eigenem Geld. Kein Marketing, nur praktische Analyse.

— Francesco