Finde Deine Perfekte P2P-Plattform

Unabhängiger Vergleich mit steuerlichem Rechner.

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Vergleich (23)

Kategorie Reg Bonus Registrieren
Digilo ⭐ #1
Immobilien • LV • EUR
Immobilien 9-12% 5/10 ECSP 15€ Bonus
15 € Willkommensbonus für berechtigte neue Anleger
€150 Registrieren
Nectaro 🏆 TOP
Verbraucher • LV • EUR
Verbraucher 14.9% 6/10 None 1% Cashback
First 30 days • Max €1,000
€10 Registrieren
PeerBerry 5/5
Verbraucher • EUR
Verbraucher 11% 2/10 ECSP 0.5% Welcome + Bis zu 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
€10 Registrieren
Mintos 5/5
Multi-Asset • LV • EUR
Multi-Asset ~12% 5/10 MiFID II Bis zu 350€ Fester Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
€50 Registrieren
Monefit SmartSaver 4.5/5
Verbraucher • EE • EUR
Verbraucher 7.5-10.5% 3/10 None 0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
€5 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% Cashback
June campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 30 Jun 2026)
€100 Registrieren
Triple Dragon 3/5
Gaming • EUR
Gaming 14% 6/10 None 1% Cashback
Invest within 60 days • Both parties
€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 15.6% 3/10 ECSP 15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
€50 Registrieren
Modena 4/5
Verbraucher • EUR
Verbraucher 8.5-11% 2/10 Regulated Bis zu 1025€ Fester Bonus
Newcomer campaign on official site
€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
LANDE 3.5/5
Landwirtschaft • EUR
Landwirtschaft up to 14% 6/10 None 1% Cashback
First 90 days • Both parties
€50 Registrieren
Debitum 4/5
Business • EUR
Business ~10% 2/10 Regulated 20€ + Bis zu 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
€50 Registrieren
Bondora 4/5
Verbraucher • EE • EUR
Verbraucher ~6% 1/10 Regulated 5€ Fester Bonus
Welcome bonus • Invest €50 in 30 days
€1 Registrieren
Revest 3.5/5
Immobilien • EUR
Immobilien up to 13% 5/10 None 0.5% Cashback
Invest within 30 days • Both parties
€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
FF Forest 3/5
Landwirtschaft • EUR
Landwirtschaft up to 18% 8/10 None €500 Registrieren
Digilo
Real Estate
Renditen
9-12%
Risk Score
5/10
Buyback
Min Inv.
€150
Bonus
15€ Bonus
15 € Willkommensbonus für berechtigte neue Anleger
Mintos
Multi-Asset
Renditen
~12%
Risk Score
5/10
Buyback
Min Inv.
€50
Bonus
Bis zu 350€ Fester Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
Consumer
Renditen
11%
Risk Score
2/10
Buyback
Min Inv.
€10
Bonus
0.5% Welcome + Bis zu 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
Renditen
12-14%
Risk Score
8/10
Buyback
Min Inv.
€10
Bonus
1.5% Cashback
First 90 days • Gold/Platinum status
Nectaro
Consumer
Renditen
14.9%
Risk Score
6/10
Buyback
Min Inv.
€10
Bonus
1% Cashback
First 30 days • Max €1,000
Monefit SmartSaver
Consumer
Renditen
7.5-10.5%
Risk Score
3/10
Buyback
Min Inv.
€5
Bonus
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Afranga
Business
Renditen
14.75%
Risk Score
4/10
Buyback
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
InRento
Real Estate
Renditen
~12%
Risk Score
2/10
Buyback
Min Inv.
€100
Bonus
20€ Fester Bonus
First project • Min €500
Indemo
NPL
Renditen
15-18%
Risk Score
5/10
Buyback
Min Inv.
€100
Bonus
Bis zu 5% Cashback
June campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 30 Jun 2026)
Triple Dragon
Gaming
Renditen
14%
Risk Score
6/10
Buyback
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Lendermarket
Consumer
Renditen
~14%
Risk Score
6/10
Buyback
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
Maclear
Business
Renditen
up to 15.6%
Risk Score
3/10
Buyback
Min Inv.
€50
Bonus
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
Consumer
Renditen
8.5-11%
Risk Score
2/10
Buyback
Min Inv.
€50
Bonus
Bis zu 1025€ Fester Bonus
Newcomer campaign on official site
Viainvest
Consumer
Renditen
~11.8%
Risk Score
2/10
Buyback
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Income Marketplace
Consumer
Renditen
~13%
Risk Score
3/10
Buyback
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
Ventus Energy
Energy
Renditen
6-12%
Risk Score
8/10
Buyback
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
LANDE
Agricultural
Renditen
up to 14%
Risk Score
6/10
Buyback
Min Inv.
€50
Bonus
1% Cashback
First 90 days • Both parties
Debitum
Business
Renditen
~10%
Risk Score
2/10
Buyback
Min Inv.
€50
Bonus
20€ + Bis zu 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
Consumer
Renditen
~6%
Risk Score
1/10
Buyback
Min Inv.
€1
Bonus
5€ Fester Bonus
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
Renditen
up to 13%
Risk Score
5/10
Buyback
Min Inv.
€0
Bonus
0.5% Cashback
Invest within 30 days • Both parties
SAVY
Consumer
Renditen
up to 13%
Risk Score
5/10
Buyback
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
Letsinvest
Real Estate
Renditen
up to 12%
Risk Score
5/10
Buyback
Min Inv.
€100
Bondster
Consumer
Renditen
up to 14%
Risk Score
6/10
Buyback
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
Asterra Estate
Real Estate
Renditen
up to 14%
Risk Score
6/10
Buyback
Min Inv.
€100
FF Forest
Agricultural
Renditen
up to 18%
Risk Score
8/10
Buyback
Min Inv.
€500
Kapitalallokation

P2P funktioniert am besten als 10% des Portfolios. Kernkapital braucht mehr.

Nutzen Sie P2P als renditestarke Satellitenposition und ziehen Sie Gewinne ab, bevor sich Risiko aufstaut. Halten Sie den Rest des Kapitals dort, wo ernsthafte Anleger langfristige Positionen aufbauen: regulierter Broker, ETF-Kern, CFD-Tools bei Bedarf.

10% P2P-Baustein für Rendite, Diversifikation und Plattformtests.
Gewinne Gewinne regelmäßig abziehen, statt alles Kredit- und Plattformrisiko auszusetzen.
Kern Hauptkapital auf Broker legen, der für ETF-Portfolios und CFD-Zugang gebaut ist.
Broker auf Brokerfind finden →

Hall of shame

Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.

  • Ventus Energy: Alleged investor scam patterns and repeated complaints about repayment issues.
  • Esketit: Not classified here as a scam, but included for governance/reputation controversies.
  • EstateGuru: Serious late-loan and recovery issues that hurt many investors.
  • Twino: Long-standing delayed repayments and trust concerns reported by users.
  • Revest24: High-risk behavior and multiple investor red flags reported by the community.

🎁 Boni

🏠 Digilo
15€ Bonus

15 € Willkommensbonus für berechtigte neue Anleger

🌐 Mintos
Bis zu 350€ Fester Bonus

GO- promo code • New investors • Invest within same calendar month • 90-day hold

🔷 Bitget
Bis zu 6200 USDT

Code FRA555 verwenden • Bis zu 6200 USDT

🫐 PeerBerry
0.5% Welcome + Bis zu 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 €1,000

Monefit SmartSaver
0.25% Signup Bonus

0.25% bonus on net investments during first 90 days

💼 Afranga
0.5% Cashback

First 90 days

🏠 InRento
20€ Fester Bonus

First project • Min €500

Indemo
Bis zu 5% Cashback

June campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 30 Jun 2026)

🎮 Triple Dragon
1% Cashback

Invest within 60 days • Both parties

📊 Lendermarket
10€ + 1.0% Cashback

First 90 days

🏢 Maclear
15€ + 3% Cashback

€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days

💎 Modena
Bis zu 1025€ Fester 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
20€ + Bis zu 2% Loyalty

Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier

🟠 Bondora
5€ Fester 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
Kein Bonus derzeit verfügbar
🔗 Bondster
1% Cashback

First 90 days via referral

🏘️ Asterra Estate
Kein Bonus derzeit verfügbar
🌲 FF Forest
Kein Bonus derzeit verfügbar
8lends
30 USDC + 6% 8LNDS

Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days

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

Speak with me

Speak with me

For tailored allocation guidance and portfolio reviews, visit Prince Allocation.

Visit Prince Allocation →

📝 Bewertungen

Detaillierte Analyse basierend auf persönlicher Erfahrung.

🚀 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