Trova la Tua Piattaforma P2P Ideale

Confronto indipendente di piattaforme P2P europee con calcolatore fiscale.

0
Platforms
0%
Max Yield
0%
Avg Return

Confronto Piattaforme (23)

Categoria Modello di lending Reg Registrati
#1
Nectaro
Consumo • LV • EUR
Consumo Marketplace 14.9% 78/100 MiFID II · Latvijas Banka 1% Newbies Cashback
Link referral/partner idoneo • investi almeno €300 in Notes entro i primi 30 giorni • 1% sull’investimento medio giornaliero del periodo • accredito entro il 15 del mese successivo
€50 Registrati
#2
Afranga 4.5/5
Business • BG • EUR
Business Misto 14.75% 68/100 ECSP 0.5% Cashback
Partner-link offer • 0.5% cashback during the first 90 days
€10 Registrati
#3
InRento 4.8/5
Immobiliare • LT • EUR
Immobiliare Marketplace ~12% 89/100 Lithuanian CB Fino a 50€ Bonus Fisso
20 € di bonus con 500 € investiti • 50 € di bonus con 1.000 € investiti
€100 Registrati
#4
Letsinvest 4/5
Immobiliare • EUR
Immobiliare Marketplace up to 12% 84/100 ECSP €100 Registrati
#5
PeerBerry 5/5
Consumo • EUR
Consumo Misto 11% 80/100 ECSP 0.5% Welcome + Fino a 1% Loyalty
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
€10 Registrati
#6
LANDE 3.5/5
Agricolo • EUR
Agricolo Marketplace up to 14% 77/100 None 1% Referral Cashback
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
€50 Registrati
#7
Indemo 4/5
NPL • EUR
NPL Marketplace 15-18% 76/100 Regulated 25€ Bonus Fisso
Link referral/partner • primo investimento singolo di almeno €50 entro 90 giorni • credito di €25 investibile (non prelevabile direttamente)
€100 Registrati
#8
Crowdpear
Immobiliare • EUR
Immobiliare Marketplace ~10.58% 72/100 ECSP €100 Registrati
#9
Go & Grow (ex Bondora) 4/5
Consumo • EE • EUR
Consumo In-house ~6% 71/100 Regulated 5€ Bonus Fisso
New investor: €5 • Referrer: €5 after €50 invested within 30 days
€1 Registrati
#10
Income Marketplace 4/5
Consumo • EUR
Consumo Marketplace ~13% 70/100 None 1% Cashback
Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days
€10 Registrati
#11
Mintos 5/5
Multi-Asset • LV • EUR
Multi-Asset Marketplace ~12% 69/100 MiFID II €20–€500 Bonus Fisso
Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027
€50 Registrati
#12
Modena 4/5
Consumo • EUR
Consumo In-house 8.5-11% 67/100 Regulated 25€ Bonus Fisso + Fino a 1% Cashback
New investor • €25 after 90 days if at least €200 remains invested • 1% cashback on investments during the first 120 days • max €1,000 cashback • early withdrawal can reduce or forfeit the reward
€50 Registrati
#13
Digilo 4.5/5
Immobiliare • LV • EUR
Immobiliare Marketplace 9-12% 66/100 ECSP 1% Cashback
Cashback referral dell’1% sugli investimenti nel mercato primario nei primi 60 giorni • Entrambe le parti
€150 Registrati
#14
Triple Dragon 3/5
Gaming • EUR
Gaming In-house 14% 64/100 None 1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
€50 Registrati
⚠️ Fascia a capitale a rischio Da qui in poi, storia breve o non testata, incertezza su recovery o liquidità, concentrazione delle controparti o governance più debole aumentano sensibilmente la possibilità di perdita del capitale. Tratta le piattaforme sotto come allocazioni speculative.
#15
Lendermarket 3.5/5
Consumo • EUR
Consumo Misto ~14% 58/100 None 75€ Bonus Fisso
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
€10 Registrati
#16
Viainvest 4/5
Consumo • EUR
Consumo In-house ~11.8% 58/100 Regulated 0.5% Cashback
Partner-link offer • cashback on the average daily investment balance during the first 90 days
€10 Registrati
#17
SAVY 4/5
Consumo • EUR
Consumo In-house up to 13% 56/100 Bank of Lithuania 1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000
€10 Registrati
#18
Revest 3.5/5
Immobiliare • EUR
Immobiliare In-house up to 13% 46/100 None Fino a 6% Cashback
10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign
€0 Registrati
#19
Debitum 4/5
Business • EUR
Business Marketplace ~10% 44/100 Regulated 20€ + Fino a 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
€50 Registrati
#20
Monefit SmartSaver 4.5/5
Consumo • EE • EUR
Consumo In-house 7.5-10.5% 32/100 None 0.5% Referral Bonus
Referral/partner link • 0.5% on net investments during the first 90 days after verification • paid on day 91 • special partner campaigns may differ
€5 Registrati
#21
Mypeak.finance 3/5
Business • EUR
Business In-house up to 16% 27/100 None 1% Cashback
Partner-link offer • investments during the first 60 days
€1 Registrati
#22
FF Forest 3/5
Agricolo • EUR
Agricolo In-house up to 18% 18/100 None 1% Cashback
Partner-link offer • investments during the first 180 days
€500 Registrati
#23
Asterra Estate 3.5/5
Immobiliare • EUR
Immobiliare In-house up to 14% 15/100 None 1% Cashback
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
€100 Registrati
#1
Nectaro
Consumer
Rendimenti
14.9%
DD basata su evidenze
78/100
Buyback
Min Inv.
€50
Modello di lending
Marketplace
Bonus
1% Newbies Cashback
Link referral/partner idoneo • investi almeno €300 in Notes entro i primi 30 giorni • 1% sull’investimento medio giornaliero del periodo • accredito entro il 15 del mese successivo
#2
Afranga
Business
Rendimenti
14.75%
DD basata su evidenze
68/100
Buyback
Min Inv.
€10
Modello di lending
Misto
Bonus
0.5% Cashback
Partner-link offer • 0.5% cashback during the first 90 days
#3
InRento
Real Estate
Rendimenti
~12%
DD basata su evidenze
89/100
Buyback
Min Inv.
€100
Modello di lending
Marketplace
Bonus
Fino a 50€ Bonus Fisso
20 € di bonus con 500 € investiti • 50 € di bonus con 1.000 € investiti
#4
Letsinvest
Real Estate
Rendimenti
up to 12%
DD basata su evidenze
84/100
Buyback
Min Inv.
€100
Modello di lending
Marketplace
#5
PeerBerry
Consumer
Rendimenti
11%
DD basata su evidenze
80/100
Buyback
Min Inv.
€10
Modello di lending
Misto
Bonus
0.5% Welcome + Fino a 1% Loyalty
Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)
#6
LANDE
Agricultural
Rendimenti
up to 14%
DD basata su evidenze
77/100
Buyback
Min Inv.
€50
Modello di lending
Marketplace
Bonus
1% Referral Cashback
Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties
#7
Indemo
NPL
Rendimenti
15-18%
DD basata su evidenze
76/100
Buyback
Min Inv.
€100
Modello di lending
Marketplace
Bonus
25€ Bonus Fisso
Link referral/partner • primo investimento singolo di almeno €50 entro 90 giorni • credito di €25 investibile (non prelevabile direttamente)
#8
Crowdpear
Real Estate
Rendimenti
~10.58%
DD basata su evidenze
72/100
Buyback
Min Inv.
€100
Modello di lending
Marketplace
#9
Go & Grow (ex Bondora)
Consumer
Rendimenti
~6%
DD basata su evidenze
71/100
Buyback
Min Inv.
€1
Modello di lending
In-house
Bonus
5€ Bonus Fisso
New investor: €5 • Referrer: €5 after €50 invested within 30 days
#10
Income Marketplace
Consumer
Rendimenti
~13%
DD basata su evidenze
70/100
Buyback
Min Inv.
€10
Modello di lending
Marketplace
Bonus
1% Cashback
Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days
#11
Mintos
Multi-Asset
Rendimenti
~12%
DD basata su evidenze
69/100
Buyback
Min Inv.
€50
Modello di lending
Marketplace
Bonus
€20–€500 Bonus Fisso
Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027
#12
Modena
Consumer
Rendimenti
8.5-11%
DD basata su evidenze
67/100
Buyback
Min Inv.
€50
Modello di lending
In-house
Bonus
25€ Bonus Fisso + Fino a 1% Cashback
New investor • €25 after 90 days if at least €200 remains invested • 1% cashback on investments during the first 120 days • max €1,000 cashback • early withdrawal can reduce or forfeit the reward
#13
Digilo
Real Estate
Rendimenti
9-12%
DD basata su evidenze
66/100
Buyback
Min Inv.
€150
Modello di lending
Marketplace
Bonus
1% Cashback
Cashback referral dell’1% sugli investimenti nel mercato primario nei primi 60 giorni • Entrambe le parti
#14
Triple Dragon
Gaming
Rendimenti
14%
DD basata su evidenze
64/100
Buyback
Min Inv.
€50
Modello di lending
In-house
Bonus
1% Cashback
Referral link • manual investment within 60 days • 1% for both investors
⚠️ Fascia a capitale a rischio Da qui in poi, storia breve o non testata, incertezza su recovery o liquidità, concentrazione delle controparti o governance più debole aumentano sensibilmente la possibilità di perdita del capitale. Tratta le piattaforme sotto come allocazioni speculative.
#15
Lendermarket
Consumer
Rendimenti
~14%
DD basata su evidenze
58/100
Buyback
Min Inv.
€10
Modello di lending
Misto
Bonus
75€ Bonus Fisso
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
#16
Viainvest
Consumer
Rendimenti
~11.8%
DD basata su evidenze
58/100
Buyback
Min Inv.
€10
Modello di lending
In-house
Bonus
0.5% Cashback
Partner-link offer • cashback on the average daily investment balance during the first 90 days
#17
SAVY
Consumer
Rendimenti
up to 13%
DD basata su evidenze
56/100
Buyback
Min Inv.
€10
Modello di lending
In-house
Bonus
1% Cashback
Referral programme • 1% of investments during the first 3 months • maximum €1,000
#18
Revest
Real Estate
Rendimenti
up to 13%
DD basata su evidenze
46/100
Buyback
Min Inv.
€0
Modello di lending
In-house
Bonus
Fino a 6% Cashback
10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign
#19
Debitum
Business
Rendimenti
~10%
DD basata su evidenze
44/100
Buyback
Min Inv.
€50
Modello di lending
Marketplace
Bonus
20€ + Fino a 2% Loyalty
Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier
#20
Monefit SmartSaver
Consumer
Rendimenti
7.5-10.5%
DD basata su evidenze
32/100
Buyback
Min Inv.
€5
Modello di lending
In-house
Bonus
0.5% Referral Bonus
Referral/partner link • 0.5% on net investments during the first 90 days after verification • paid on day 91 • special partner campaigns may differ
#21
Mypeak.finance
Travel
Rendimenti
up to 16%
DD basata su evidenze
27/100
Buyback
Min Inv.
€1
Modello di lending
In-house
Bonus
1% Cashback
Partner-link offer • investments during the first 60 days
#22
FF Forest
Agricultural
Rendimenti
up to 18%
DD basata su evidenze
18/100
Buyback
Min Inv.
€500
Modello di lending
In-house
Bonus
1% Cashback
Partner-link offer • investments during the first 180 days
#23
Asterra Estate
Real Estate
Rendimenti
up to 14%
DD basata su evidenze
15/100
Buyback
Min Inv.
€100
Modello di lending
In-house
Bonus
1% Cashback
Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately
Allocazione del capitale

Il P2P funziona meglio come 10% del portafoglio. Il capitale principale merita di più.

Usa il P2P come esposizione satellite ad alto rendimento, poi sposta fuori i profitti prima che il rischio si accumuli. Tieni il resto del capitale dove gli investitori seri costruiscono posizioni di lungo periodo: broker regolamentato, core ETF, strumenti CFD quando servono.

10% Quota P2P per rendimento, diversificazione e test piattaforme.
Profitti Preleva i guadagni regolarmente invece di lasciare tutto esposto a rischio prestiti e piattaforma.
Core Metti il capitale principale su broker creato per portafogli ETF e accesso CFD.
Trova broker su Brokerfind →
Hall of Shame Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
  • Bondster: Obblighi di riacquisto non rispettati e recuperi irrisolti presso diversi originator.
  • Maclear: Rendicontazione finanziaria indipendentemente verificabile insufficiente; la vigilanza antiriciclaggio PolyReg non è una licenza ECSP.
  • Ventus Energy: BaFin ordered the cessation and wind-down of unauthorised deposit business in 2026; the platform later announced restructuring and an investor repayment process.
  • Esketit: A 2025 legal migration temporarily suspended liquidity tools for some investors; it is listed for governance and liquidity concerns, not as a fraud finding.
  • 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.

🎁 Bonus & Promozioni

🏆 Nectaro
1% Newbies Cashback

Link referral/partner idoneo • investi almeno €300 in Notes entro i primi 30 giorni • 1% sull’investimento medio giornaliero del periodo • accredito entro il 15 del mese successivo

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

📊 Lendermarket
75€ Bonus Fisso

Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties

🏡 Revest
Fino a 6% Cashback

10 Aug–30 Sep 2026 • 0.25% for 25-day/1-month terms, 1.5% for 3 months, 2.5% for 6 months, 4% for 12 months, 6% for 24 months • paid after the campaign

🏠 InRento
Fino a 50€ Bonus Fisso

20 € di bonus con 500 € investiti • 50 € di bonus con 1.000 € investiti

🔷 Debitum
20€ + Fino a 2% Loyalty

Referral link • €20 each after €1,000 invested within 30 days • loyalty boost up to 2% by tier

💎 Modena
25€ Bonus Fisso + Fino a 1% Cashback

New investor • €25 after 90 days if at least €200 remains invested • 1% cashback on investments during the first 120 days • max €1,000 cashback • early withdrawal can reduce or forfeit the reward

Indemo
25€ Bonus Fisso

Link referral/partner • primo investimento singolo di almeno €50 entro 90 giorni • credito di €25 investibile (non prelevabile direttamente)

🌐 Mintos
€20–€500 Bonus Fisso

Code INVEST26 • register and invest 24 Aug–30 Sep 2026 in eligible assets (Smart Cash excluded) • €20 from €1,500, up to €500 from €25,000 • hold the qualifying balance until 31 Dec • paid by 15 Jan 2027

🫐 PeerBerry
0.5% Welcome + Fino a 1% Loyalty

Welcome: invest at least €10 within 30 days • +0.5% for 90 days • loyalty from €10,000 (up to +1%)

🏘️ Asterra Estate
1% Cashback

Partner-link offer • 1% cashback on investments during the first 90 days • credited immediately

🏠 Digilo
1% Cashback

Cashback referral dell’1% sugli investimenti nel mercato primario nei primi 60 giorni • Entrambe le parti

🌲 FF Forest
1% Cashback

Partner-link offer • investments during the first 180 days

💵 Income Marketplace
1% Cashback

Partner-link offer • 1% bonus interest on investments during the first 30 days • min €10, max €500 bonus • credited after 40 days

🌾 LANDE
1% Referral Cashback

Referral link • 1% cashback on Primary Market investments during the first 90 days • no cap • both parties

🏔️ Mypeak.finance
1% Cashback

Partner-link offer • investments during the first 60 days

🛡️ SAVY
1% Cashback

Referral programme • 1% of investments during the first 3 months • maximum €1,000

🎮 Triple Dragon
1% Cashback

Referral link • manual investment within 60 days • 1% for both investors

💼 Afranga
0.5% Cashback

Partner-link offer • 0.5% cashback during the first 90 days

🟠 Go & Grow (ex Bondora)
5€ Bonus Fisso

New investor: €5 • Referrer: €5 after €50 invested within 30 days

Monefit SmartSaver
0.5% Referral Bonus

Referral/partner link • 0.5% on net investments during the first 90 days after verification • paid on day 91 • special partner campaigns may differ

📈 Viainvest
0.5% Cashback

Partner-link offer • cashback on the average daily investment balance during the first 90 days

🍐 Crowdpear
Nessun bonus attualmente disponibile
Ξ EtherFi
Nessun bonus attualmente disponibile
🏗️ Letsinvest
Nessun bonus attualmente disponibile

Piattaforme crypto: controlla le singole schede sopra per i bonus disponibili.

📝 Recensioni Piattaforme

Analisi dettagliata di ogni piattaforma basata sulla mia esperienza personale.

⚠️ 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.

Roadmap del prodotto
📱

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.

👋 Chi Sono — Francesco

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.