Monefit SmartSaver
Verbraucher7.5-10.5% Renditen
Vorteile
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Nachteile
- Not regulated
- Single loan originator
Urteil
Best platform for beginners. Very user-friendly and reliable payments.
Finde Deine Perfekte P2P-Plattform
Unabhängiger Vergleich mit steuerlichem Rechner.
0
Platforms
0%
Max Yield
0%
Avg Return
Vergleich (24)
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 | Verbraucher | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registrieren |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Bis zu 6000 USDT Code FRA555 verwenden • Bis zu 6000 USDT | €0 | Registrieren |
| Nectaro | Verbraucher | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Registrieren |
| PeerBerry | Verbraucher | 11% | 2/10 | ECSP | 0.5% Welcome + Bis zu 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registrieren |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Bis zu 500€ Fester Bonus Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registrieren |
| Esketit | Verbraucher | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | Registrieren |
| Afranga | Business | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrieren |
| InRento | Immobilien | ~12% | 2/10 | Lithuanian CB | 20€ Fester Bonus First project • Min €500 | €100 | Registrieren |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Bis zu 5% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | Registrieren |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrieren |
| Lendermarket | Verbraucher | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrieren |
| Maclear | Business | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | Registrieren |
| Modena | Verbraucher | 8.5-11% | 2/10 | Regulated | Bis zu 1025€ Fester Bonus Newcomer campaign on official site | €50 | Registrieren |
| Viainvest | Verbraucher | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registrieren |
| Income Marketplace | Verbraucher | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registrieren |
| Ventus Energy | Energie | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registrieren |
| LANDE | Landwirtschaft | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registrieren |
| Debitum | Business | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrieren |
| Bondora | Verbraucher | ~6% | 1/10 | Regulated | 5€ Fester Bonus Welcome bonus • Invest €50 in 30 days | €1 | Registrieren |
| Revest | Immobilien | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Registrieren |
| SAVY | Verbraucher | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrieren |
| Letsinvest | Immobilien | up to 12% | 5/10 | ECSP | — | €100 | Registrieren |
| Bondster | Verbraucher | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrieren |
| Asterra Estate | Immobilien | up to 14% | 6/10 | None | — | €100 | Registrieren |
| FF Forest | Landwirtschaft | up to 18% | 8/10 | None | — | €500 | Registrieren |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €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)
5€ instant + 0.5% cashback (90 days)
Mintos
Multi-Asset
✅
Renditen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Bis zu 500€ Fester 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
✅
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%
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
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 €200
First 30 days • Max €200
Afranga
Business
✅
Renditen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Renditen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fester Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Renditen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Bis zu 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Renditen
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
❌
Renditen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Renditen
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
✅
Renditen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
Bis zu 1025€ Fester Bonus
Newcomer campaign on official site
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
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
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
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
First 90 days • Both parties
Debitum
Business
✅
Renditen
~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
✅
Renditen
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Fester Bonus
Welcome bonus • Invest €50 in 30 days
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
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
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
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
🎁 Boni
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Bis zu 500€ Fester Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Bis zu 6000 USDT
Code FRA555 verwenden • Bis zu 6000 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 €200
Afranga
0.5% Cashback
First 90 days
InRento
20€ Fester Bonus
First project • Min €500
Indemo
Bis zu 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
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
+0.5%/+2% Loyalty
Perpetual loyalty boost 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 + 6% in 8LNDS tokens on every investment
Krypto-Plattformen: Überprüfen Sie die einzelnen Einträge oben für verfügbare Boni.
📝 Bewertungen
Detaillierte Analyse basierend auf persönlicher Erfahrung.
Mintos
Multi-Asset~12% Renditen
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.
PeerBerry
Verbraucher11% Renditen
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.
Esketit
Verbraucher12-14% Renditen
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.
Nectaro
Verbraucher14.9% Renditen
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.
Afranga
Business14.75% Renditen
Vorteile
- High returns
- ECSP regulated
- Business loans
- Good track record
Nachteile
- Bulgarian focus
- Less known
Urteil
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Immobilien~12% Renditen
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.
Indemo
NPL15-18% Renditen
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.
Triple Dragon
Gaming14% Renditen
Vorteile
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Nachteile
- Not regulated
- Niche market
Urteil
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Verbraucher~14% Renditen
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.
Maclear
Businessup to 15.6% Renditen
Vorteile
- Regulated
- Business loans
- Up to 15.6%
- Transparent
Nachteile
- Newer platform
- Limited track record
Urteil
Newer regulated platform with business loans. Good transparency and potential.
Modena
Verbraucher8.5-11% Renditen
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.
Viainvest
Verbraucher~11.8% Renditen
Vorteile
- Regulated
- Steady returns
- Auto-invest
- Buyback
Nachteile
- Limited diversification
- Latvian focus
Urteil
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Verbraucher~13% Renditen
Vorteile
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Nachteile
- Not regulated
- Newer platform
Urteil
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energie6-12% Renditen
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.
LANDE
Landwirtschaftup to 14% Renditen
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.
Debitum
Business~10% Renditen
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.
Bondora
Verbraucher~6% Renditen
Vorteile
- Go and Grow
- Regulated
- Very simple
- Long track record
Nachteile
- Lowest returns
- Limited control
Urteil
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Immobilienup to 13% Renditen
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.
SAVY
Verbraucherup to 13% Renditen
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.
Letsinvest
Immobilienup to 12% Renditen
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.
Bondster
Verbraucherup to 14% Renditen
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.
Asterra Estate
Immobilienup to 14% Renditen
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.
FF Forest
Landwirtschaftup to 18% Renditen
Vorteile
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nachteile
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Urteil
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.
🚀 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