Monefit SmartSaver
Consumo7.5-10.5% Rendimenti
Pro
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Contro
- Not regulated
- Single loan originator
Verdetto
Best platform for beginners. Very user-friendly and reliable payments.
Trova la Tua Piattaforma P2P Ideale
Confronto indipendente di piattaforme P2P europee con calcolatore fiscale.
Confronta Piattaforme →0
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Max Yield
0%
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Confronto Piattaforme (23)
Le posizioni sponsorizzate, quando presenti, vengono dichiarate esplicitamente. La sponsorizzazione può influire solo sulla posizione di una piattaforma nella tabella comparativa, mai sul rating, sul giudizio finale o sulla valutazione editoriale.
| Categoria | Reg | Bonus | Registrati | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumo | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registrati |
| Nectaro | Consumo | 14.9% | 6/10 | None | 1.0% Cashback First 30 days • Max 200€ | €10 | Registrati |
| PeerBerry | Consumo | 11% | 2/10 | ECSP | Fino a 1.0% VIP VIP Loyalty Program | €10 | Registrati |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | 25€ Bonus Fisso Min €1500 • 30 days | €50 | Registrati |
| Esketit | Consumo | 12-14% | 8/10 | None | 0.5%-1.0% Cashback First 90 days • Gold/Platinum status | €10 | Registrati |
| Afranga | Business | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrati |
| InRento | Immobiliare | ~12% | 2/10 | Lithuanian CB | 20€ Bonus Fisso First project • Min €500 | €100 | Registrati |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Fino a 5.5% Cashback Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€ | €100 | Registrati |
| Triple Dragon | Gaming | 14% | 6/10 | None | Fino a 3.0% Cashback 1% (60 days) + 2% extra campaign | €50 | Registrati |
| Lendermarket | Consumo | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrati |
| Maclear | Business | up to 15% | 3/10 | ECSP | 15€ + Punti Fedeltà Invest €50 within 7 days | €50 | Registrati |
| Modena | Consumo | 8.5-11% | 2/10 | Regulated | — | €50 | Registrati |
| Viainvest | Consumo | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registrati |
| Income Marketplace | Consumo | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registrati |
| Ventus Energy | Energia | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registrati |
| LANDE | Agricolo | up to 14% | 6/10 | None | +3% First investment | €50 | Registrati |
| Debitum | Business | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrati |
| Bondora | Consumo | 6.75% | 1/10 | Regulated | 5€ + Fino a 200€ Welcome bonus • 90 days no-withdrawal | €1 | Registrati |
| Revest | Immobiliare | up to 13% | 5/10 | None | — | €0 | Registrati |
| SAVY | Consumo | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrati |
| Letsinvest | Immobiliare | up to 12% | 5/10 | ECSP | — | €100 | Registrati |
| Bondster | Consumo | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrati |
| Asterra Estate | Immobiliare | up to 14% | 6/10 | None | — | €100 | Registrati |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC First investment | €100 | Registrati |
Monefit SmartSaver
Consumer
❌
Rendimenti
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
✅
Rendimenti
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Bonus Fisso
Min €1500 • 30 days
Min €1500 • 30 days
PeerBerry
Consumer
✅
Rendimenti
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Fino a 1.0% VIP
VIP Loyalty Program
VIP Loyalty Program
Esketit
Consumer
❌
Rendimenti
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
❌
Rendimenti
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
✅
Rendimenti
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendimenti
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Bonus Fisso
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendimenti
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Fino a 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Gaming
❌
Rendimenti
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Fino a 3.0% Cashback
1% (60 days) + 2% extra campaign
1% (60 days) + 2% extra campaign
Lendermarket
Consumer
❌
Rendimenti
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Rendimenti
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Punti Fedeltà
Invest €50 within 7 days
Invest €50 within 7 days
Modena
Consumer
✅
Rendimenti
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Viainvest
Consumer
✅
Rendimenti
~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
❌
Rendimenti
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Rendimenti
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
❌
Rendimenti
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
First investment
Debitum
Business
✅
Rendimenti
~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
✅
Rendimenti
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Fino a 200€
Welcome bonus • 90 days no-withdrawal
Welcome bonus • 90 days no-withdrawal
Revest
Real Estate
❌
Rendimenti
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
SAVY
Consumer
✅
Rendimenti
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
✅
Rendimenti
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendimenti
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
❌
Rendimenti
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
🎁 Bonus & Promozioni
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
25€ Bonus Fisso
Min €1500 • 30 days
PeerBerry
Fino a 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€ Bonus Fisso
First project • Min €500
Indemo
Fino a 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Fino a 3.0% Cashback
1% (60 days) + 2% extra campaign
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + Punti Fedeltà
Invest €50 within 7 days
Modena
Nessun bonus attualmente disponibile
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€ + Fino a 200€
Welcome bonus • 90 days no-withdrawal
Revest
Nessun bonus attualmente disponibile
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Nessun bonus attualmente disponibile
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Nessun bonus attualmente disponibile
8lends
30 USDC
First investment
Piattaforme crypto: controlla le singole schede sopra per i bonus disponibili.
📝 Recensioni Piattaforme
Analisi dettagliata di ogni piattaforma basata sulla mia esperienza personale.
Mintos
Multi-Asset~12% Rendimenti
Pro
- Largest platform
- Regulated
- €20K protection
- Many loan types
Contro
- Complex for beginners
- Past defaults
Verdetto
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Consumo11% Rendimenti
Pro
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Contro
- Lower returns
- Limited loan types
Verdetto
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Consumo12-14% Rendimenti
Pro
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Contro
- Not regulated
- High risk
Verdetto
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Consumo14.9% Rendimenti
Pro
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Contro
- New platform (2023)
- Not regulated
- Limited track record
Verdetto
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Business14.75% Rendimenti
Pro
- High returns
- ECSP regulated
- Business loans
- Good track record
Contro
- Bulgarian focus
- Less known
Verdetto
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Immobiliare~12% Rendimenti
Pro
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Contro
- Longer lock-in
- Limited availability
Verdetto
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Rendimenti
Pro
- NPL investing unique
- High returns
- Regulated
- Collateralized
Contro
- Complex for beginners
- Longer lock-in
Verdetto
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Rendimenti
Pro
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Contro
- Not regulated
- Niche market
Verdetto
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Consumo~14% Rendimenti
Pro
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Contro
- Not regulated
- Limited transparency
Verdetto
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Businessup to 15% Rendimenti
Pro
- Regulated
- Business loans
- Up to 15%
- Transparent
Contro
- Newer platform
- Limited track record
Verdetto
Newer regulated platform with business loans. Good transparency and potential.
Modena
Consumo8.5-11% Rendimenti
Pro
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Contro
- Lower returns
- Limited loan types
Verdetto
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Consumo~11.8% Rendimenti
Pro
- Regulated
- Steady returns
- Auto-invest
- Buyback
Contro
- Limited diversification
- Latvian focus
Verdetto
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Consumo~13% Rendimenti
Pro
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Contro
- Not regulated
- Newer platform
Verdetto
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energia6-12% Rendimenti
Pro
- Green energy
- Unique niche
- Sustainability
- Diversification
Contro
- Not regulated
- High risk
- Variable returns
Verdetto
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Agricoloup to 14% Rendimenti
Pro
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Contro
- Not regulated
- Seasonal risk
Verdetto
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Business~10% Rendimenti
Pro
- Regulated
- Business loans
- Diversified originators
- Solid track record
Contro
- Lower returns
- Less exciting
Verdetto
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Consumo6.75% Rendimenti
Pro
- Go and Grow
- Regulated
- Very simple
- Long track record
Contro
- Lowest returns
- Limited control
Verdetto
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Immobiliareup to 13% Rendimenti
Pro
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Contro
- Not regulated
- Newer platform
- Limited track record
Verdetto
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Consumoup to 13% Rendimenti
Pro
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Contro
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Verdetto
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
Immobiliareup to 12% Rendimenti
Pro
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Contro
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Verdetto
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consumoup to 14% Rendimenti
Pro
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Contro
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Verdetto
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
Immobiliareup to 14% Rendimenti
Pro
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Contro
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Verdetto
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 e Miglioramenti
App Mobile
App nativa iOS/Android per monitorare il portafoglio in mobilità.
Tracker Portafoglio Attivo
Sincronizzazione in tempo reale con le piattaforme per monitorare i rendimenti.
Avvisi Intelligenti
Notifiche per nuove opportunità e aggiornamenti delle piattaforme.
⚠️ Avviso di Rischio
Investire in piattaforme di lending P2P comporta rischi, incluso il rischio di perdita parziale o totale del capitale investito. Il tuo investimento non è coperto dai sistemi di garanzia dei depositi ai sensi della Direttiva 2014/49/UE, né dai sistemi di indennizzo degli investitori ai sensi della Direttiva 1997/9/CE. Potresti non ricevere alcun rendimento. Non si tratta di un prodotto di risparmio e si consiglia di non investire più del 10% del proprio patrimonio netto. Non si tratta di una consulenza finanziaria. Ai sensi del Regolamento (UE) 2020/1503.
👋 Chi Sono
Francesco dall'Italia, appassionato di investimenti alternativi e della democratizzazione della finanza.
Testo personalmente ogni piattaforma che consiglio, investendo i miei soldi per comprendere l'esperienza utente reale, i rischi e i rendimenti.
— Francesco