Comparação independente com calculadora fiscal.
| Categoria | Reg | Bônus | Registar | ||||
|---|---|---|---|---|---|---|---|
| Digilo | Imobiliário | 9-12% | 5/10 | ECSP | 15€ Bonus Bónus de boas-vindas de 15 € para novos investidores elegíveis | €150 | Registar |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Até 6200 USDT Usa código FRA555 • Até 6200 USDT | €0 | Registar |
| Nectaro | Consumo | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €1,000 | €10 | Registar |
| PeerBerry | Consumo | 11% | 2/10 | ECSP | 0.5% Welcome + Até 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registar |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Até 350€ Bónus Fixo GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Registar |
| Monefit SmartSaver | Consumo | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Registar |
| Afranga | Negócios | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registar |
| InRento | Imobiliário | ~12% | 2/10 | Lithuanian CB | 20€ Bónus Fixo First project • Min €500 | €100 | Registar |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Até 5% Cashback June campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 30 Jun 2026) | €100 | Registar |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registar |
| Lendermarket | Consumo | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registar |
| Maclear | Negócios | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback €15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days | €50 | Registar |
| Modena | Consumo | 8.5-11% | 2/10 | Regulated | Até 1025€ Bónus Fixo Newcomer campaign on official site | €50 | Registar |
| Viainvest | Consumo | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registar |
| Income Marketplace | Consumo | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registar |
| LANDE | Agrícola | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registar |
| Debitum | Negócios | ~10% | 2/10 | Regulated | 20€ + Até 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Registar |
| Bondora | Consumo | ~6% | 1/10 | Regulated | 5€ Bónus Fixo Welcome bonus • Invest €50 in 30 days | €1 | Registar |
| Revest | Imobiliário | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Registar |
| SAVY | Consumo | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registar |
| Letsinvest | Imobiliário | up to 12% | 5/10 | ECSP | — | €100 | Registar |
| Bondster | Consumo | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registar |
| Asterra Estate | Imobiliário | up to 14% | 6/10 | None | — | €100 | Registar |
| FF Forest | Agrícola | up to 18% | 8/10 | None | — | €500 | Registar |
| 8lends | Crypto Lending | Variable | 9/10 | None | 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 | €100 | Registar |
Use P2P como exposição satélite de alto rendimento e retire lucros antes que o risco se acumule. Mantenha o resto do capital onde investidores sérios constroem posições de longo prazo: corretora regulada, núcleo ETF, ferramentas CFD quando necessário.
Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
Bónus de boas-vindas de 15 € para novos investidores elegíveis
GO- promo code • New investors • Invest within same calendar month • 90-day hold
Usa código FRA555 • Até 6200 USDT
Welcome: +0.5% 90 days • Loyalty: up to +1%
First 90 days • Gold/Platinum status
First 30 days • Max €1,000
0.25% bonus on net investments during first 90 days
First 90 days
First project • Min €500
June campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 30 Jun 2026)
Invest within 60 days • Both parties
First 90 days
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Newcomer campaign on official site
Auto-invest only • First quarter
First 30 days
Extra yield on green investments
First 90 days • Both parties
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Welcome bonus • Invest €50 in 30 days
Invest within 30 days • Both parties
First 90 days • Max €1,000
First 90 days via referral
Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days
Plataformas crypto: consulte as listagens individuais acima para bónus disponíveis.
For tailored allocation guidance and portfolio reviews, visit Prince Allocation.
Visit Prince Allocation →Análise detalhada baseada na minha experiência pessoal.
Regulated real-estate crowdfunding platform with 9-12% target returns, €150 minimum investment, and a €15 welcome bonus.
The most established P2P platform in Europe. Great for diversification.
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
High-risk platform with attractive returns. Buyback guarantee provides some security.
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Great regulated option with high returns. Focus on business loans in Bulgaria.
Best real estate platform. Monthly rental income + property appreciation.
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Newer regulated platform with business loans. Good transparency and potential.
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Reliable regulated business loans platform. Conservative returns but very solid track record.
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
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.
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.
App nativa iOS/Android para acompanhar o portfólio em mobilidade.
Sincronização em tempo real com as plataformas para monitorar rendimentos.
Notificações sobre novas oportunidades e atualizações das plataformas.
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.
Francesco de Itália, entusiasta de investimentos alternativos.
Testo pessoalmente cada plataforma recomendada com meu próprio dinheiro. Sem marketing, apenas análise prática.