Monefit SmartSaver
Kuluttaja7.5-10.5% Tuotot
Edut
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Haitat
- Not regulated
- Single loan originator
Tuomio
Best platform for beginners. Very user-friendly and reliable payments.
Löydä P2P-Alustasi
Riippumaton vertailu verolaskurilla.
Vertaa Alustoja →0
Platforms
0%
Max Yield
0%
Avg Return
Alustavertailu (23)
Sponsoroidut sijoitukset ilmoitetaan aina selkeästi, kun niitä on. Sponsorointi voi vaikuttaa vain alustan sijaintiin vertailutaulukossa, ei koskaan sen arvosanaan, arvostelun johtopäätökseen tai toimitukselliseen arvioon.
| Kategoria | Reg | Bonus | Rekisteröidy | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Kuluttaja | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Rekisteröidy |
| Nectaro | Kuluttaja | 14.9% | 6/10 | None | 1.0% Cashback First 30 days • Max 200€ | €10 | Rekisteröidy |
| PeerBerry | Kuluttaja | 11% | 2/10 | ECSP | Jopa 1.0% VIP VIP Loyalty Program | €10 | Rekisteröidy |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | 25€ Kiinteä Bonus Min €1500 • 30 days | €50 | Rekisteröidy |
| Esketit | Kuluttaja | 12-14% | 8/10 | None | 0.5%-1.0% Cashback First 90 days • Gold/Platinum status | €10 | Rekisteröidy |
| Afranga | Yritys | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Rekisteröidy |
| InRento | Kiinteistö | ~12% | 2/10 | Lithuanian CB | 20€ Kiinteä Bonus First project • Min €500 | €100 | Rekisteröidy |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Jopa 5.5% Cashback Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€ | €100 | Rekisteröidy |
| Triple Dragon | Pelaaminen | 14% | 6/10 | None | Jopa 3.0% Cashback 1% (60 days) + 2% extra campaign | €50 | Rekisteröidy |
| Lendermarket | Kuluttaja | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Rekisteröidy |
| Maclear | Yritys | up to 15% | 3/10 | ECSP | 15€ + Kanta-asiakaspisteet Invest €50 within 7 days | €50 | Rekisteröidy |
| Modena | Kuluttaja | 8.5-11% | 2/10 | Regulated | — | €50 | Rekisteröidy |
| Viainvest | Kuluttaja | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Rekisteröidy |
| Income Marketplace | Kuluttaja | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Rekisteröidy |
| Ventus Energy | Energia | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Rekisteröidy |
| LANDE | Maatalous | up to 14% | 6/10 | None | +3% First investment | €50 | Rekisteröidy |
| Debitum | Yritys | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Rekisteröidy |
| Bondora | Kuluttaja | 6.75% | 1/10 | Regulated | 5€ + Jopa 200€ Welcome bonus • 90 days no-withdrawal | €1 | Rekisteröidy |
| Revest | Kiinteistö | up to 13% | 5/10 | None | — | €0 | Rekisteröidy |
| SAVY | Kuluttaja | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Rekisteröidy |
| Letsinvest | Kiinteistö | up to 12% | 5/10 | ECSP | — | €100 | Rekisteröidy |
| Bondster | Kuluttaja | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Rekisteröidy |
| Asterra Estate | Kiinteistö | up to 14% | 6/10 | None | — | €100 | Rekisteröidy |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC First investment | €100 | Rekisteröidy |
Monefit SmartSaver
Consumer
❌
Tuotot
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
✅
Tuotot
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Kiinteä Bonus
Min €1500 • 30 days
Min €1500 • 30 days
PeerBerry
Consumer
✅
Tuotot
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Jopa 1.0% VIP
VIP Loyalty Program
VIP Loyalty Program
Esketit
Consumer
❌
Tuotot
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
❌
Tuotot
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
✅
Tuotot
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Tuotot
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Kiinteä Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Tuotot
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Jopa 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Gaming
❌
Tuotot
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Jopa 3.0% Cashback
1% (60 days) + 2% extra campaign
1% (60 days) + 2% extra campaign
Lendermarket
Consumer
❌
Tuotot
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Tuotot
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Kanta-asiakaspisteet
Invest €50 within 7 days
Invest €50 within 7 days
Modena
Consumer
✅
Tuotot
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Viainvest
Consumer
✅
Tuotot
~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
❌
Tuotot
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Tuotot
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
❌
Tuotot
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
First investment
Debitum
Business
✅
Tuotot
~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
✅
Tuotot
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Jopa 200€
Welcome bonus • 90 days no-withdrawal
Welcome bonus • 90 days no-withdrawal
Revest
Real Estate
❌
Tuotot
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
SAVY
Consumer
✅
Tuotot
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
✅
Tuotot
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Tuotot
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
❌
Tuotot
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
🎁 Bonukset
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
25€ Kiinteä Bonus
Min €1500 • 30 days
PeerBerry
Jopa 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€ Kiinteä Bonus
First project • Min €500
Indemo
Jopa 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Jopa 3.0% Cashback
1% (60 days) + 2% extra campaign
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + Kanta-asiakaspisteet
Invest €50 within 7 days
Modena
Ei bonuksia tällä hetkellä saatavilla
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€ + Jopa 200€
Welcome bonus • 90 days no-withdrawal
Revest
Ei bonuksia tällä hetkellä saatavilla
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Ei bonuksia tällä hetkellä saatavilla
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Ei bonuksia tällä hetkellä saatavilla
8lends
30 USDC
First investment
Kryptoalustat: tarkista yksittäiset listaukset yllä saatavilla olevista bonuksista.
📝 Alusta-arvostelut
Yksityiskohtainen analyysi henkilökohtaisen kokemukseni perusteella.
Mintos
Multi-Asset~12% Tuotot
Edut
- Largest platform
- Regulated
- €20K protection
- Many loan types
Haitat
- Complex for beginners
- Past defaults
Tuomio
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Kuluttaja11% Tuotot
Edut
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Haitat
- Lower returns
- Limited loan types
Tuomio
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Kuluttaja12-14% Tuotot
Edut
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Haitat
- Not regulated
- High risk
Tuomio
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Kuluttaja14.9% Tuotot
Edut
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Haitat
- New platform (2023)
- Not regulated
- Limited track record
Tuomio
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Yritys14.75% Tuotot
Edut
- High returns
- ECSP regulated
- Business loans
- Good track record
Haitat
- Bulgarian focus
- Less known
Tuomio
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Kiinteistö~12% Tuotot
Edut
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Haitat
- Longer lock-in
- Limited availability
Tuomio
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Tuotot
Edut
- NPL investing unique
- High returns
- Regulated
- Collateralized
Haitat
- Complex for beginners
- Longer lock-in
Tuomio
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Pelaaminen14% Tuotot
Edut
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Haitat
- Not regulated
- Niche market
Tuomio
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Kuluttaja~14% Tuotot
Edut
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Haitat
- Not regulated
- Limited transparency
Tuomio
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Yritysup to 15% Tuotot
Edut
- Regulated
- Business loans
- Up to 15%
- Transparent
Haitat
- Newer platform
- Limited track record
Tuomio
Newer regulated platform with business loans. Good transparency and potential.
Modena
Kuluttaja8.5-11% Tuotot
Edut
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Haitat
- Lower returns
- Limited loan types
Tuomio
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Kuluttaja~11.8% Tuotot
Edut
- Regulated
- Steady returns
- Auto-invest
- Buyback
Haitat
- Limited diversification
- Latvian focus
Tuomio
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Kuluttaja~13% Tuotot
Edut
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Haitat
- Not regulated
- Newer platform
Tuomio
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energia6-12% Tuotot
Edut
- Green energy
- Unique niche
- Sustainability
- Diversification
Haitat
- Not regulated
- High risk
- Variable returns
Tuomio
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Maatalousup to 14% Tuotot
Edut
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Haitat
- Not regulated
- Seasonal risk
Tuomio
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Yritys~10% Tuotot
Edut
- Regulated
- Business loans
- Diversified originators
- Solid track record
Haitat
- Lower returns
- Less exciting
Tuomio
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Kuluttaja6.75% Tuotot
Edut
- Go and Grow
- Regulated
- Very simple
- Long track record
Haitat
- Lowest returns
- Limited control
Tuomio
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Kiinteistöup to 13% Tuotot
Edut
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Haitat
- Not regulated
- Newer platform
- Limited track record
Tuomio
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Kuluttajaup to 13% Tuotot
Edut
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Haitat
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Tuomio
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
Kiinteistöup to 12% Tuotot
Edut
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Haitat
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Tuomio
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Kuluttajaup to 14% Tuotot
Edut
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Haitat
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Tuomio
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
Kiinteistöup to 14% Tuotot
Edut
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Haitat
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Tuomio
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 ja parannukset
Mobiilisovellus
Natiivi iOS/Android-sovellus portfolion seurantaan liikkeellä.
Portfolion seuranta Aktiivinen
Reaaliaikainen synkronointi alustoihin tuottojen seurantaan.
Älykkäät hälytykset
Ilmoitukset uusista mahdollisuuksista ja alustapäivityksistä.
⚠️ Riskivaroitus
P2P-lainausalustoihin sijoittamiseen liittyy riskejä, mukaan lukien sijoitetun pääoman osittainen tai täydellinen menettäminen. Sijoituksesi ei kuulu direktiivin 2014/49/EU mukaisten talletussuojajärjestelmien eikä direktiivin 1997/9/EY mukaisten sijoittajakorvausjärjestelmien piiriin. Et välttämättä saa tuottoa. Tämä ei ole säästötuote ja suosittelemme, ettet sijoita enempää kuin 10 % nettovarallisuudestasi. Tämä ei ole sijoitusneuvonta. EU-asetuksen (EU) 2020/1503 mukaisesti.
👋 Tietoa Minusta
Francesco Italiasta, intohimoinen vaihtoehtoisia sijoituksia kohtaan.
Testaan henkilökohtaisesti jokaisen suosittelemani alustan omilla rahoillani. Ei markkinointia, vain käytännön analyysiä.
— Francesco