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.
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Avg Return
Confronto Piattaforme (24)
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 |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Fino a 6000 USDT Usa codice FRA555 • Fino a 6000 USDT | €0 | Registrati |
| Nectaro | Consumo | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Registrati |
| PeerBerry | Consumo | 11% | 2/10 | ECSP | 0.5% Welcome + Fino a 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registrati |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Fino a 500€ Bonus Fisso Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registrati |
| Esketit | Consumo | 12-14% | 8/10 | None | 1.5% 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% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | Registrati |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrati |
| Lendermarket | Consumo | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrati |
| Maclear | Business | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | Registrati |
| Modena | Consumo | 8.5-11% | 2/10 | Regulated | Fino a 1025€ Bonus Fisso Newcomer campaign on official site | €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 | 1% Cashback First 90 days • Both parties | €50 | Registrati |
| Debitum | Business | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrati |
| Bondora | Consumo | ~6% | 1/10 | Regulated | 5€ Bonus Fisso Welcome bonus • Invest €50 in 30 days | €1 | Registrati |
| Revest | Immobiliare | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €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 |
| FF Forest | Agricolo | up to 18% | 8/10 | None | — | €500 | Registrati |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every 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
Fino a 500€ Bonus Fisso
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
✅
Rendimenti
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Fino a 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Rendimenti
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
❌
Rendimenti
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
✅
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% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Rendimenti
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
❌
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 15.6%
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
✅
Rendimenti
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
Fino a 1025€ Bonus Fisso
Newcomer campaign on official site
Newcomer campaign on official site
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
1% Cashback
First 90 days • Both parties
First 90 days • Both parties
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%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Bonus Fisso
Welcome bonus • Invest €50 in 30 days
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
❌
Rendimenti
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
✅
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
FF Forest
Agricultural
❌
Rendimenti
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
🎁 Bonus & Promozioni
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Fino a 500€ Bonus Fisso
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Fino a 6000 USDT
Usa codice FRA555 • Fino a 6000 USDT
PeerBerry
0.5% Welcome + Fino a 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€ Bonus Fisso
First project • Min €500
Indemo
Fino a 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
Fino a 1025€ Bonus Fisso
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€ Bonus Fisso
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
Nessun bonus attualmente disponibile
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Nessun bonus attualmente disponibile
FF Forest
Nessun bonus attualmente disponibile
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC + 6% in 8LNDS tokens on every 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 15.6% Rendimenti
Pro
- Regulated
- Business loans
- Up to 15.6%
- 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
Consumo~6% 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.
FF Forest
Agricoloup to 18% Rendimenti
Pro
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Contro
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Verdetto
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 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