Monefit SmartSaver
Konsumenckie7.5-10.5% Zwroty
Zalety
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Wady
- Not regulated
- Single loan originator
Werdykt
Best platform for beginners. Very user-friendly and reliable payments.
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Porównanie Platform (23)
Pozycje sponsorowane, jeśli występują, są wyraźnie oznaczane. Sponsorowanie może wpływać wyłącznie na pozycję platformy w tabeli porównawczej, nigdy na jej ocenę, werdykt recenzji ani ocenę redakcyjną.
| Kategoria | Reg | Bonus | Zarejestruj się | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Konsumenckie | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Zarejestruj się |
| Nectaro | Konsumenckie | 14.9% | 6/10 | None | 1.0% Cashback First 30 days • Max 200€ | €10 | Zarejestruj się |
| PeerBerry | Konsumenckie | 11% | 2/10 | ECSP | Do 1.0% VIP VIP Loyalty Program | €10 | Zarejestruj się |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | 25€ Stały Bonus Min €1500 • 30 days | €50 | Zarejestruj się |
| Esketit | Konsumenckie | 12-14% | 8/10 | None | 0.5%-1.0% Cashback First 90 days • Gold/Platinum status | €10 | Zarejestruj się |
| Afranga | Biznesowe | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Zarejestruj się |
| InRento | Nieruchomości | ~12% | 2/10 | Lithuanian CB | 20€ Stały Bonus First project • Min €500 | €100 | Zarejestruj się |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Do 5.5% Cashback Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€ | €100 | Zarejestruj się |
| Triple Dragon | Gaming | 14% | 6/10 | None | Do 3.0% Cashback 1% (60 days) + 2% extra campaign | €50 | Zarejestruj się |
| Lendermarket | Konsumenckie | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Zarejestruj się |
| Maclear | Biznesowe | up to 15% | 3/10 | ECSP | 15€ + Punkty Lojalnościowe Invest €50 within 7 days | €50 | Zarejestruj się |
| Modena | Konsumenckie | 8.5-11% | 2/10 | Regulated | — | €50 | Zarejestruj się |
| Viainvest | Konsumenckie | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Zarejestruj się |
| Income Marketplace | Konsumenckie | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Zarejestruj się |
| Ventus Energy | Energia | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Zarejestruj się |
| LANDE | Rolnicze | up to 14% | 6/10 | None | +3% First investment | €50 | Zarejestruj się |
| Debitum | Biznesowe | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Zarejestruj się |
| Bondora | Konsumenckie | 6.75% | 1/10 | Regulated | 5€ + Do 200€ Welcome bonus • 90 days no-withdrawal | €1 | Zarejestruj się |
| Revest | Nieruchomości | up to 13% | 5/10 | None | — | €0 | Zarejestruj się |
| SAVY | Konsumenckie | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Zarejestruj się |
| Letsinvest | Nieruchomości | up to 12% | 5/10 | ECSP | — | €100 | Zarejestruj się |
| Bondster | Konsumenckie | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Zarejestruj się |
| Asterra Estate | Nieruchomości | up to 14% | 6/10 | None | — | €100 | Zarejestruj się |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC First investment | €100 | Zarejestruj się |
Monefit SmartSaver
Consumer
❌
Zwroty
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
✅
Zwroty
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Stały Bonus
Min €1500 • 30 days
Min €1500 • 30 days
PeerBerry
Consumer
✅
Zwroty
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
Do 1.0% VIP
VIP Loyalty Program
VIP Loyalty Program
Esketit
Consumer
❌
Zwroty
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
❌
Zwroty
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
✅
Zwroty
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Zwroty
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Stały Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Zwroty
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Do 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Gaming
❌
Zwroty
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
Do 3.0% Cashback
1% (60 days) + 2% extra campaign
1% (60 days) + 2% extra campaign
Lendermarket
Consumer
❌
Zwroty
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Zwroty
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + Punkty Lojalnościowe
Invest €50 within 7 days
Invest €50 within 7 days
Modena
Consumer
✅
Zwroty
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Viainvest
Consumer
✅
Zwroty
~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
❌
Zwroty
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Zwroty
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
❌
Zwroty
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
+3%
First investment
First investment
Debitum
Business
✅
Zwroty
~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
✅
Zwroty
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ + Do 200€
Welcome bonus • 90 days no-withdrawal
Welcome bonus • 90 days no-withdrawal
Revest
Real Estate
❌
Zwroty
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
SAVY
Consumer
✅
Zwroty
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
✅
Zwroty
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Zwroty
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
❌
Zwroty
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
🎁 Bonusy
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
25€ Stały Bonus
Min €1500 • 30 days
PeerBerry
Do 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€ Stały Bonus
First project • Min €500
Indemo
Do 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Triple Dragon
Do 3.0% Cashback
1% (60 days) + 2% extra campaign
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + Punkty Lojalnościowe
Invest €50 within 7 days
Modena
Brak bonusów aktualnie dostępnych
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€ + Do 200€
Welcome bonus • 90 days no-withdrawal
Revest
Brak bonusów aktualnie dostępnych
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Brak bonusów aktualnie dostępnych
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Brak bonusów aktualnie dostępnych
8lends
30 USDC
First investment
Platformy krypto: sprawdź poszczególne wpisy powyżej, aby zobaczyć dostępne bonusy.
📝 Recenzje Platform
Szczegółowa analiza oparta na moim osobistym doświadczeniu.
Mintos
Multi-Asset~12% Zwroty
Zalety
- Largest platform
- Regulated
- €20K protection
- Many loan types
Wady
- Complex for beginners
- Past defaults
Werdykt
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Konsumenckie11% Zwroty
Zalety
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Wady
- Lower returns
- Limited loan types
Werdykt
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Konsumenckie12-14% Zwroty
Zalety
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Wady
- Not regulated
- High risk
Werdykt
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Konsumenckie14.9% Zwroty
Zalety
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Wady
- New platform (2023)
- Not regulated
- Limited track record
Werdykt
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Biznesowe14.75% Zwroty
Zalety
- High returns
- ECSP regulated
- Business loans
- Good track record
Wady
- Bulgarian focus
- Less known
Werdykt
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Nieruchomości~12% Zwroty
Zalety
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Wady
- Longer lock-in
- Limited availability
Werdykt
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Zwroty
Zalety
- NPL investing unique
- High returns
- Regulated
- Collateralized
Wady
- Complex for beginners
- Longer lock-in
Werdykt
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Zwroty
Zalety
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Wady
- Not regulated
- Niche market
Werdykt
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Konsumenckie~14% Zwroty
Zalety
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Wady
- Not regulated
- Limited transparency
Werdykt
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Biznesoweup to 15% Zwroty
Zalety
- Regulated
- Business loans
- Up to 15%
- Transparent
Wady
- Newer platform
- Limited track record
Werdykt
Newer regulated platform with business loans. Good transparency and potential.
Modena
Konsumenckie8.5-11% Zwroty
Zalety
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Wady
- Lower returns
- Limited loan types
Werdykt
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Konsumenckie~11.8% Zwroty
Zalety
- Regulated
- Steady returns
- Auto-invest
- Buyback
Wady
- Limited diversification
- Latvian focus
Werdykt
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Konsumenckie~13% Zwroty
Zalety
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Wady
- Not regulated
- Newer platform
Werdykt
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energia6-12% Zwroty
Zalety
- Green energy
- Unique niche
- Sustainability
- Diversification
Wady
- Not regulated
- High risk
- Variable returns
Werdykt
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Rolniczeup to 14% Zwroty
Zalety
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Wady
- Not regulated
- Seasonal risk
Werdykt
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Biznesowe~10% Zwroty
Zalety
- Regulated
- Business loans
- Diversified originators
- Solid track record
Wady
- Lower returns
- Less exciting
Werdykt
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Konsumenckie6.75% Zwroty
Zalety
- Go and Grow
- Regulated
- Very simple
- Long track record
Wady
- Lowest returns
- Limited control
Werdykt
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Nieruchomościup to 13% Zwroty
Zalety
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Wady
- Not regulated
- Newer platform
- Limited track record
Werdykt
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Konsumenckieup to 13% Zwroty
Zalety
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Wady
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Werdykt
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
Nieruchomościup to 12% Zwroty
Zalety
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Wady
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Werdykt
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Konsumenckieup to 14% Zwroty
Zalety
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Wady
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Werdykt
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
Nieruchomościup to 14% Zwroty
Zalety
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Wady
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Werdykt
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.
🚀 Roadmapa i usprawnienia
Aplikacja mobilna
Natywna aplikacja iOS/Android do śledzenia portfela w drodze.
Śledzenie portfela Aktywny
Synchronizacja w czasie rzeczywistym z platformami, aby monitorować zwroty.
Inteligentne alerty
Powiadomienia o nowych okazjach i aktualizacjach platform.
⚠️ Ostrzeżenie o Ryzyku
Inwestowanie w platformy pożyczek P2P wiąże się z ryzykiem, w tym z ryzykiem częściowej lub całkowitej utraty zainwestowanych środków. Twoja inwestycja nie jest objęta systemami gwarancji depozytów na podstawie Dyrektywy 2014/49/UE ani systemami rekompensat dla inwestorów na podstawie Dyrektywy 1997/9/WE. Możesz nie uzyskać żadnego zwrotu. Nie jest to produkt oszczędnościowy i zalecamy, aby nie inwestować więcej niż 10% swojego majątku netto. Nie jest to porada finansowa. Zgodnie z Rozporządzeniem (UE) 2020/1503.
👋 O Mnie
Francesco z Włoch, pasjonat inwestycji alternatywnych.
Osobiście testuję każdą polecaną platformę własnymi pieniędzmi. Bez marketingu, tylko praktyczna analiza.
— Francesco