Monefit SmartSaver
Consumo7.5-10.5% Rendimentos
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.
Encontre a Sua Plataforma P2P
Comparação independente com calculadora fiscal.
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Max Yield
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Avg Return
Comparação de Plataformas (24)
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 | Consumo | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registar |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Até 6000 USDT Usa código FRA555 • Até 6000 USDT | €0 | Registar |
| Nectaro | Consumo | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €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 500€ Bónus Fixo Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registar |
| Esketit | Consumo | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | 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 Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €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 Welcome €15 + 3% cashback 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 |
| Ventus Energy | Energia | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registar |
| LANDE | Agrícola | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registar |
| Debitum | Negócios | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost 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 + 6% in 8LNDS tokens on every investment | €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)
5€ instant + 0.5% cashback (90 days)
Mintos
Multi-Asset
✅
Rendimentos
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bônus
Até 500€ Bónus Fixo
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
✅
Rendimentos
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bônus
0.5% Welcome + Até 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Rendimentos
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bônus
1.5% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Rendimentos
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bônus
1% Cashback
First 30 days • Max €200
First 30 days • Max €200
Afranga
Business
✅
Rendimentos
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bônus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendimentos
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bônus
20€ Bónus Fixo
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendimentos
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bônus
Até 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Rendimentos
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bônus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Rendimentos
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bônus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Rendimentos
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bônus
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Welcome €15 + 3% cashback first 90 days
Modena
Consumer
✅
Rendimentos
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bônus
Até 1025€ Bónus Fixo
Newcomer campaign on official site
Newcomer campaign on official site
Viainvest
Consumer
✅
Rendimentos
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bônus
1.0% Cashback
Auto-invest only • First quarter
Auto-invest only • First quarter
Income Marketplace
Consumer
❌
Rendimentos
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bônus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Rendimentos
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bônus
+1.0% Interest Boost
Extra yield on green investments
Extra yield on green investments
LANDE
Agricultural
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bônus
1% Cashback
First 90 days • Both parties
First 90 days • Both parties
Debitum
Business
✅
Rendimentos
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bônus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Perpetual loyalty boost by tier
Bondora
Consumer
✅
Rendimentos
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bônus
5€ Bónus Fixo
Welcome bonus • Invest €50 in 30 days
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
❌
Rendimentos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bônus
0.5% Cashback
Invest within 30 days • Both parties
Invest within 30 days • Both parties
SAVY
Consumer
✅
Rendimentos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bônus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Rendimentos
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bônus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Rendimentos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
FF Forest
Agricultural
❌
Rendimentos
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
🎁 Bónus
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Até 500€ Bónus Fixo
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Até 6000 USDT
Usa código FRA555 • Até 6000 USDT
PeerBerry
0.5% Welcome + Até 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€ Bónus Fixo
First project • Min €500
Indemo
Até 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
Até 1025€ Bónus Fixo
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€ Bónus Fixo
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
Sem bônus disponíveis atualmente
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Sem bônus disponíveis atualmente
FF Forest
Sem bônus disponíveis atualmente
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC + 6% in 8LNDS tokens on every investment
Plataformas crypto: consulte as listagens individuais acima para bónus disponíveis.
📝 Avaliações de Plataformas
Análise detalhada baseada na minha experiência pessoal.
Mintos
Multi-Asset~12% Rendimentos
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.
PeerBerry
Consumo11% Rendimentos
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.
Esketit
Consumo12-14% Rendimentos
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.
Nectaro
Consumo14.9% Rendimentos
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.
Afranga
Negócios14.75% Rendimentos
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.
InRento
Imobiliário~12% Rendimentos
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.
Indemo
NPL15-18% Rendimentos
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.
Triple Dragon
Gaming14% Rendimentos
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.
Lendermarket
Consumo~14% Rendimentos
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.
Maclear
Negóciosup to 15.6% Rendimentos
Prós
- Regulated
- Business loans
- Up to 15.6%
- Transparent
Contras
- Newer platform
- Limited track record
Veredicto
Newer regulated platform with business loans. Good transparency and potential.
Modena
Consumo8.5-11% Rendimentos
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.
Viainvest
Consumo~11.8% Rendimentos
Prós
- Regulated
- Steady returns
- Auto-invest
- Buyback
Contras
- Limited diversification
- Latvian focus
Veredicto
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Consumo~13% Rendimentos
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.
Ventus Energy
Energia6-12% Rendimentos
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.
LANDE
Agrícolaup to 14% Rendimentos
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.
Debitum
Negócios~10% Rendimentos
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.
Bondora
Consumo~6% Rendimentos
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.
Revest
Imobiliárioup to 13% Rendimentos
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.
SAVY
Consumoup to 13% Rendimentos
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.
Letsinvest
Imobiliárioup to 12% Rendimentos
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.
Bondster
Consumoup to 14% Rendimentos
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.
Asterra Estate
Imobiliárioup to 14% Rendimentos
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.
FF Forest
Agrícolaup to 18% Rendimentos
Prós
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Contras
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Veredicto
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 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