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Comparação de Plataformas (23)

As posições patrocinadas, quando existirem, são declaradas explicitamente. O patrocínio pode influenciar apenas a posição de uma plataforma na tabela comparativa, nunca a sua classificação, o veredito da análise ou a avaliação editorial.

Categoria Reg Bônus Registar
Monefit SmartSaver ⭐ #1
Consumo • EE • EUR
 Consumo 7.5-10.5% 3/10 None 0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)		 €5 Registar
Nectaro 🏆 TOP
Consumo • LV • EUR
 Consumo 14.9% 6/10 None 1.0% Cashback
First 30 days • Max 200€		 €10 Registar
PeerBerry 5/5
Consumo • EUR
 Consumo 11% 2/10 ECSP Até 1.0% VIP
VIP Loyalty Program		 €10 Registar
Mintos 5/5
Multi-Asset • LV • EUR
 Multi-Asset ~12% 5/10 MiFID II 25€ Bónus Fixo
Min €1500 • 30 days		 €50 Registar
Esketit 3.5/5
Consumo • EUR
 Consumo 12-14% 8/10 None 0.5%-1.0% Cashback
First 90 days • Gold/Platinum status		 €10 Registar
Afranga 4.5/5
Negócios • BG • EUR
 Negócios 14.75% 4/10 ECSP 0.5% Cashback
First 90 days		 €10 Registar
InRento 4.8/5
Imobiliário • LT • EUR
 Imobiliário ~12% 2/10 Lithuanian CB 20€ Bónus Fixo
First project • Min €500		 €100 Registar
Indemo 4/5
NPL • EUR
 NPL 15-18% 5/10 Regulated Até 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€		 €100 Registar
Triple Dragon 3/5
Gaming • EUR
 Gaming 14% 6/10 None Até 3.0% Cashback
1% (60 days) + 2% extra campaign		 €50 Registar
Lendermarket 3.5/5
Consumo • EUR
 Consumo ~14% 6/10 None 10€ + 1.0% Cashback
First 90 days		 €10 Registar
Maclear 4/5
Negócios • EUR
 Negócios up to 15% 3/10 ECSP 15€ + Pontos de Fidelidade
Invest €50 within 7 days		 €50 Registar
Modena 4/5
Consumo • EUR
 Consumo 8.5-11% 2/10 Regulated — €50 Registar
Viainvest 4/5
Consumo • EUR
 Consumo ~11.8% 2/10 Regulated 1.0% Cashback
Auto-invest only • First quarter		 €10 Registar
Income Marketplace 4/5
Consumo • EUR
 Consumo ~13% 3/10 None 1.0% Cashback
First 30 days		 €10 Registar
Ventus Energy 3/5
Energia • EUR
 Energia 6-12% 8/10 None +1.0% Interest Boost
Extra yield on green investments		 €50 Registar
LANDE 3.5/5
Agrícola • EUR
 Agrícola up to 14% 6/10 None +3%
First investment		 €50 Registar
Debitum 4/5
Negócios • EUR
 Negócios ~10% 2/10 Regulated +0.5%/+2% Loyalty
Perpetual loyalty boost by tier		 €50 Registar
Bondora 4/5
Consumo • EE • EUR
 Consumo 6.75% 1/10 Regulated 5€ + Até 200€
Welcome bonus • 90 days no-withdrawal		 €1 Registar
Revest 3.5/5
Imobiliário • EUR
 Imobiliário up to 13% 5/10 None — €0 Registar
SAVY 4/5
Consumo • EUR
 Consumo up to 13% 5/10 Bank of Lithuania 1% Cashback
First 90 days • Max €1,000		 €10 Registar
Letsinvest 4/5
Imobiliário • EUR
 Imobiliário up to 12% 5/10 ECSP — €100 Registar
Bondster 3.5/5
Consumo • EUR
 Consumo up to 14% 6/10 None 1% Cashback
First 90 days via referral		 €5 Registar
Asterra Estate 3.5/5
Imobiliário • EUR
 Imobiliário up to 14% 6/10 None — €100 Registar
Monefit SmartSaver
Consumer
❌
Rendimentos
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bônus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Registar
Mintos
Multi-Asset
✅
Rendimentos
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bônus
25€ Bónus Fixo
Min €1500 • 30 days
Registar
PeerBerry
Consumer
✅
Rendimentos
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bônus
Até 1.0% VIP
VIP Loyalty Program
Registar
Esketit
Consumer
❌
Rendimentos
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bônus
0.5%-1.0% Cashback
First 90 days • Gold/Platinum status
Registar
Nectaro
Consumer
❌
Rendimentos
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bônus
1.0% Cashback
First 30 days • Max 200€
Registar
Afranga
Business
✅
Rendimentos
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bônus
0.5% Cashback
First 90 days
Registar
InRento
Real Estate
✅
Rendimentos
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bônus
20€ Bónus Fixo
First project • Min €500
Registar
Indemo
NPL
✅
Rendimentos
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bônus
Até 5.5% Cashback
Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€
Registar
Triple Dragon
Gaming
❌
Rendimentos
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bônus
Até 3.0% Cashback
1% (60 days) + 2% extra campaign
Registar
Lendermarket
Consumer
❌
Rendimentos
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bônus
10€ + 1.0% Cashback
First 90 days
Registar
Maclear
Business
✅
Rendimentos
up to 15%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bônus
15€ + Pontos de Fidelidade
Invest €50 within 7 days
Registar
Modena
Consumer
✅
Rendimentos
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Registar
Viainvest
Consumer
✅
Rendimentos
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bônus
1.0% Cashback
Auto-invest only • First quarter
Registar
Income Marketplace
Consumer
❌
Rendimentos
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bônus
1.0% Cashback
First 30 days
Registar
Ventus Energy
Energy
❌
Rendimentos
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bônus
+1.0% Interest Boost
Extra yield on green investments
Registar
LANDE
Agricultural
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bônus
+3%
First investment
Registar
Debitum
Business
✅
Rendimentos
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bônus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Registar
Bondora
Consumer
✅
Rendimentos
6.75%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bônus
5€ + Até 200€
Welcome bonus • 90 days no-withdrawal
Registar
Revest
Real Estate
❌
Rendimentos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Registar
SAVY
Consumer
✅
Rendimentos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bônus
1% Cashback
First 90 days • Max €1,000
Registar
Letsinvest
Real Estate
✅
Rendimentos
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Registar
Bondster
Consumer
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bônus
1% Cashback
First 90 days via referral
Registar
Asterra Estate
Real Estate
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Registar

🎁 Bónus

⭐ Monefit SmartSaver
0.5% Cashback + 5€

5€ instant + 0.5% cashback (90 days)

Obter Bónus
🌐 Mintos
25€ Bónus Fixo

Min €1500 • 30 days

Obter Bónus
🫐 PeerBerry
Até 1.0% VIP

VIP Loyalty Program

Obter Bónus
💸 Esketit
0.5%-1.0% Cashback

First 90 days • Gold/Platinum status

Obter Bónus
🏆 Nectaro
1.0% Cashback

First 30 days • Max 200€

Obter Bónus
💼 Afranga
0.5% Cashback

First 90 days

Obter Bónus
🏠 InRento
20€ Bónus Fixo

First project • Min €500

Obter Bónus
⚡ Indemo
Até 5.5% Cashback

Tiered: 3%>250€ • 4.5%>1500€ • 5.5%>5000€

Obter Bónus
🎮 Triple Dragon
Até 3.0% Cashback

1% (60 days) + 2% extra campaign

Obter Bónus
📊 Lendermarket
10€ + 1.0% Cashback

First 90 days

Obter Bónus
🏢 Maclear
15€ + Pontos de Fidelidade

Invest €50 within 7 days

Obter Bónus
💎 Modena
Sem bônus disponíveis atualmente
📈 Viainvest
1.0% Cashback

Auto-invest only • First quarter

Obter Bónus
💵 Income Marketplace
1.0% Cashback

First 30 days

Obter Bónus
🌿 Ventus Energy
+1.0% Interest Boost

Extra yield on green investments

Obter Bónus
🌾 LANDE
+3%

First investment

Obter Bónus
🔷 Debitum
+0.5%/+2% Loyalty

Perpetual loyalty boost by tier

Obter Bónus
🟠 Bondora
5€ + Até 200€

Welcome bonus • 90 days no-withdrawal

Obter Bónus
🏡 Revest
Sem bônus disponíveis atualmente
🛡️ SAVY
1% Cashback

First 90 days • Max €1,000

Obter Bónus
🏗️ Letsinvest
Sem bônus disponíveis atualmente
🔗 Bondster
1% Cashback

First 90 days via referral

Obter Bónus
🏘️ Asterra Estate
Sem bônus disponíveis atualmente
₿ 8lends
30 USDC

First investment

Obter Bónus

Plataformas crypto: consulte as listagens individuais acima para bónus disponíveis.

📝 Avaliações de Plataformas

Análise detalhada baseada na minha experiência pessoal.

Monefit SmartSaver

Consumo
⭐ #1
7.5-10.5% Rendimentos
❌ Não Regulamentada LOW

Prós

  • Daily interest
  • Instant withdrawals
  • €5 minimum
  • Simple UI

Contras

  • Not regulated
  • Single loan originator

Veredicto

Best platform for beginners. Very user-friendly and reliable payments.

Registar → Monefit SmartSaver

Mintos

Multi-Asset
5/5
~12% Rendimentos
✅ MiFID II MEDIUM

Prós

  • Largest platform
  • Regulated
  • €20K protection
  • Many loan types

Contras

  • Complex for beginners
  • Past defaults

Veredicto

The most established P2P platform in Europe. Great for diversification.

Registar → Mintos

PeerBerry

Consumo
5/5
11% Rendimentos
✅ ECSP LOW

Prós

  • Zero investor losses
  • ECSP regulated
  • Strong buyback
  • Reliable

Contras

  • Lower returns
  • Limited loan types

Veredicto

Most reliable platform. Zero losses since launch makes it perfect for conservative investors.

Registar → PeerBerry

Esketit

Consumo
3.5/5
12-14% Rendimentos
❌ Não Regulamentada HIGH

Prós

  • High returns
  • Auto-invest
  • Buyback guarantee
  • Easy UI

Contras

  • Not regulated
  • High risk

Veredicto

High-risk platform with attractive returns. Buyback guarantee provides some security.

Registar → Esketit

Nectaro

Consumo
🏆 TOP
14.9% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • Highest returns
  • 0% default rate
  • Simple to use
  • Fast growth

Contras

  • New platform (2023)
  • Not regulated
  • Limited track record

Veredicto

Highest returns in 2026. New but very promising. Worth testing with small amounts.

Registar → Nectaro

Afranga

Negócios
4.5/5
14.75% Rendimentos
✅ ECSP MEDIUM

Prós

  • High returns
  • ECSP regulated
  • Business loans
  • Good track record

Contras

  • Bulgarian focus
  • Less known

Veredicto

Great regulated option with high returns. Focus on business loans in Bulgaria.

Registar → Afranga

InRento

Imobiliário
4.8/5
~12% Rendimentos
✅ Lithuanian CB LOW

Prós

  • Real estate backed
  • Zero defaults
  • Regulated
  • Monthly income

Contras

  • Longer lock-in
  • Limited availability

Veredicto

Best real estate platform. Monthly rental income + property appreciation.

Registar → InRento

Indemo

NPL
4/5
15-18% Rendimentos
✅ MEDIUM

Prós

  • NPL investing unique
  • High returns
  • Regulated
  • Collateralized

Contras

  • Complex for beginners
  • Longer lock-in

Veredicto

Unique NPL (non-performing loans) platform. High returns for experienced investors.

Registar → Indemo

Triple Dragon

Gaming
3/5
14% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • Unique gaming niche
  • 14% returns
  • Innovative
  • Entertainment sector

Contras

  • Not regulated
  • Niche market

Veredicto

Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.

Registar → Triple Dragon

Lendermarket

Consumo
3.5/5
~14% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • High returns
  • Buyback guarantee
  • Auto-invest
  • Creditstar backing

Contras

  • Not regulated
  • Limited transparency

Veredicto

Solid platform backed by Creditstar group. Good returns with buyback guarantee.

Registar → Lendermarket

Maclear

Negócios
4/5
up to 15% Rendimentos
✅ ECSP LOW

Prós

  • Regulated
  • Business loans
  • Up to 15%
  • Transparent

Contras

  • Newer platform
  • Limited track record

Veredicto

Newer regulated platform with business loans. Good transparency and potential.

Registar → Maclear

Modena

Consumo
4/5
8.5-11% Rendimentos
✅ LOW

Prós

  • Regulated
  • Conservative
  • Reliable returns
  • Good for beginners

Contras

  • Lower returns
  • Limited loan types

Veredicto

Conservative regulated option. Perfect for risk-averse investors seeking steady returns.

Registar → Modena

Viainvest

Consumo
4/5
~11.8% Rendimentos
✅ LOW

Prós

  • Regulated
  • Steady returns
  • Auto-invest
  • Buyback

Contras

  • Limited diversification
  • Latvian focus

Veredicto

Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.

Registar → Viainvest

Income Marketplace

Consumo
4/5
~13% Rendimentos
❌ Não Regulamentada LOW

Prós

  • Junior/senior shares
  • Strong protection
  • 13% returns
  • Innovative

Contras

  • Not regulated
  • Newer platform

Veredicto

Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.

Registar → Income Marketplace

Ventus Energy

Energia
3/5
6-12% Rendimentos
❌ Não Regulamentada HIGH

Prós

  • Green energy
  • Unique niche
  • Sustainability
  • Diversification

Contras

  • Not regulated
  • High risk
  • Variable returns

Veredicto

Green energy focus offers unique diversification. High risk but aligns with sustainability goals.

Registar → Ventus Energy

LANDE

Agrícola
3.5/5
up to 14% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • Agricultural loans unique
  • Collateralized by land
  • 14%
  • Niche

Contras

  • Not regulated
  • Seasonal risk

Veredicto

Unique agricultural niche with land collateral. Seasonal risks but good diversification option.

Registar → LANDE

Debitum

Negócios
4/5
~10% Rendimentos
✅ LOW

Prós

  • Regulated
  • Business loans
  • Diversified originators
  • Solid track record

Contras

  • Lower returns
  • Less exciting

Veredicto

Reliable regulated business loans platform. Conservative returns but very solid track record.

Registar → Debitum

Bondora

Consumo
4/5
6.75% Rendimentos
✅ LOW

Prós

  • Go and Grow
  • Regulated
  • Very simple
  • Long track record

Contras

  • Lowest returns
  • Limited control

Veredicto

Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.

Registar → Bondora

Revest

Imobiliário
3.5/5
up to 13% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • Real estate backed
  • Up to 13% returns
  • Collateralized loans
  • Simple UI

Contras

  • Not regulated
  • Newer platform
  • Limited track record

Veredicto

Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.

Registar → Revest

SAVY

Consumo
4/5
up to 13% Rendimentos
✅ Bank of Lithuania MEDIUM

Prós

  • Long operating history
  • Regulated local operator
  • Consumer loans diversification
  • Auto-invest available

Contras

  • Lithuanian market concentration
  • Consumer-credit cyclicality
  • Less passive than cash-style products

Veredicto

Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.

Registar → SAVY

Letsinvest

Imobiliário
4/5
up to 12% Rendimentos
✅ ECSP MEDIUM

Prós

  • Real-estate backed focus
  • Regulated crowdfunding profile
  • Project-by-project transparency
  • Accessible entry ticket

Contras

  • Property-market liquidity risk
  • Project pipeline can vary
  • Capital can stay locked until exit

Veredicto

Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.

Registar → Letsinvest

Bondster

Consumo
3.5/5
up to 14% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • High advertised yields
  • Broad consumer-loan selection
  • Buyback-heavy marketplace model
  • Low entry threshold

Contras

  • No top-tier regulation
  • Originator quality matters a lot
  • Higher risk than conservative peers

Veredicto

Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.

Registar → Bondster

Asterra Estate

Imobiliário
3.5/5
up to 14% Rendimentos
❌ Não Regulamentada MEDIUM

Prós

  • Asset-backed real-estate angle
  • Attractive target yields
  • Simple niche positioning
  • Useful diversification beyond consumer loans

Contras

  • Limited public track record
  • No strong regulation visible
  • Real-estate execution risk

Veredicto

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.

Registar → Asterra Estate

🚀 Roadmap e Melhorias

📱

App móvel

App nativa iOS/Android para acompanhar o portfólio em mobilidade.

📊

Monitor de portfólio Ativo

Sincronização em tempo real com as plataformas para monitorar rendimentos.

🔔

Alertas inteligentes

Notificações sobre novas oportunidades e atualizações das plataformas.

⚠️ Aviso

Investir em plataformas de empréstimo P2P acarreta riscos, incluindo o risco de perda parcial ou total do dinheiro investido. O seu investimento não é abrangido pelos sistemas de garantia de depósitos nos termos da Diretiva 2014/49/UE, nem pelos sistemas de indemnização dos investidores nos termos da Diretiva 1997/9/CE. Poderá não receber qualquer rendimento. Não é um produto de poupança e recomendamos que não invista mais de 10% do seu património líquido. Isto não é aconselhamento financeiro. Em conformidade com o Regulamento (UE) 2020/1503.

👋 Sobre Mim

Francesco de Itália, entusiasta de investimentos alternativos.

Testo pessoalmente cada plataforma recomendada com meu próprio dinheiro. Sem marketing, apenas análise prática.

— Francesco