Monefit SmartSaver
Konsument7.5-10.5% Avkastning
Fördelar
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Nackdelar
- Not regulated
- Single loan originator
Omdöme
Best platform for beginners. Very user-friendly and reliable payments.
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Oberoende jämförelse med skattekalkylator.
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Plattformsjämförelse (24)
Sponsrade placeringar, när de förekommer, deklareras uttryckligen. Sponsring får endast påverka en plattforms position i jämförelsetabellen, aldrig dess betyg, recensionens omdöme eller den redaktionella bedömningen.
| Kategori | Reg | Bonus | Registrera | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Konsument | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registrera |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Upp till 6000 USDT Använd kod FRA555 • Upp till 6000 USDT | €0 | Registrera |
| Nectaro | Konsument | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Registrera |
| PeerBerry | Konsument | 11% | 2/10 | ECSP | 0.5% Welcome + Upp till 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registrera |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Upp till 500€ Fast Bonus Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registrera |
| Esketit | Konsument | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | Registrera |
| Afranga | Företag | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrera |
| InRento | Fastighet | ~12% | 2/10 | Lithuanian CB | 20€ Fast Bonus First project • Min €500 | €100 | Registrera |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Upp till 5% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | Registrera |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrera |
| Lendermarket | Konsument | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registrera |
| Maclear | Företag | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | Registrera |
| Modena | Konsument | 8.5-11% | 2/10 | Regulated | Upp till 1025€ Fast Bonus Newcomer campaign on official site | €50 | Registrera |
| Viainvest | Konsument | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registrera |
| Income Marketplace | Konsument | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registrera |
| Ventus Energy | Energi | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registrera |
| LANDE | Jordbruk | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registrera |
| Debitum | Företag | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registrera |
| Bondora | Konsument | ~6% | 1/10 | Regulated | 5€ Fast Bonus Welcome bonus • Invest €50 in 30 days | €1 | Registrera |
| Revest | Fastighet | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Registrera |
| SAVY | Konsument | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrera |
| Letsinvest | Fastighet | up to 12% | 5/10 | ECSP | — | €100 | Registrera |
| Bondster | Konsument | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrera |
| Asterra Estate | Fastighet | up to 14% | 6/10 | None | — | €100 | Registrera |
| FF Forest | Jordbruk | up to 18% | 8/10 | None | — | €500 | Registrera |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €100 | Registrera |
Monefit SmartSaver
Consumer
❌
Avkastning
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
✅
Avkastning
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Upp till 500€ Fast Bonus
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
✅
Avkastning
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Upp till 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Avkastning
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1.5% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Avkastning
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 30 days • Max €200
First 30 days • Max €200
Afranga
Business
✅
Avkastning
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Avkastning
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fast Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Avkastning
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Upp till 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Avkastning
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Avkastning
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Avkastning
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Welcome €15 + 3% cashback first 90 days
Modena
Consumer
✅
Avkastning
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
Upp till 1025€ Fast Bonus
Newcomer campaign on official site
Newcomer campaign on official site
Viainvest
Consumer
✅
Avkastning
~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
❌
Avkastning
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Avkastning
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
❌
Avkastning
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 90 days • Both parties
First 90 days • Both parties
Debitum
Business
✅
Avkastning
~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
✅
Avkastning
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Fast Bonus
Welcome bonus • Invest €50 in 30 days
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
❌
Avkastning
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest within 30 days • Both parties
Invest within 30 days • Both parties
SAVY
Consumer
✅
Avkastning
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
✅
Avkastning
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Avkastning
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
❌
Avkastning
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
FF Forest
Agricultural
❌
Avkastning
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
🎁 Bonusar
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Upp till 500€ Fast Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Upp till 6000 USDT
Använd kod FRA555 • Upp till 6000 USDT
PeerBerry
0.5% Welcome + Upp till 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€ Fast Bonus
First project • Min €500
Indemo
Upp till 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
Upp till 1025€ Fast Bonus
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€ Fast Bonus
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
Inga bonusar tillgängliga för närvarande
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Inga bonusar tillgängliga för närvarande
FF Forest
Inga bonusar tillgängliga för närvarande
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC + 6% in 8LNDS tokens on every investment
Kryptoplattformar: kontrollera de enskilda listningarna ovan för tillgängliga bonusar.
📝 Plattformsrecensioner
Detaljerad analys baserad på min personliga erfarenhet.
Mintos
Multi-Asset~12% Avkastning
Fördelar
- Largest platform
- Regulated
- €20K protection
- Many loan types
Nackdelar
- Complex for beginners
- Past defaults
Omdöme
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Konsument11% Avkastning
Fördelar
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Nackdelar
- Lower returns
- Limited loan types
Omdöme
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Konsument12-14% Avkastning
Fördelar
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Nackdelar
- Not regulated
- High risk
Omdöme
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Konsument14.9% Avkastning
Fördelar
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Nackdelar
- New platform (2023)
- Not regulated
- Limited track record
Omdöme
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Företag14.75% Avkastning
Fördelar
- High returns
- ECSP regulated
- Business loans
- Good track record
Nackdelar
- Bulgarian focus
- Less known
Omdöme
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Fastighet~12% Avkastning
Fördelar
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Nackdelar
- Longer lock-in
- Limited availability
Omdöme
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Avkastning
Fördelar
- NPL investing unique
- High returns
- Regulated
- Collateralized
Nackdelar
- Complex for beginners
- Longer lock-in
Omdöme
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Avkastning
Fördelar
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Nackdelar
- Not regulated
- Niche market
Omdöme
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Konsument~14% Avkastning
Fördelar
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Nackdelar
- Not regulated
- Limited transparency
Omdöme
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Företagup to 15.6% Avkastning
Fördelar
- Regulated
- Business loans
- Up to 15.6%
- Transparent
Nackdelar
- Newer platform
- Limited track record
Omdöme
Newer regulated platform with business loans. Good transparency and potential.
Modena
Konsument8.5-11% Avkastning
Fördelar
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Nackdelar
- Lower returns
- Limited loan types
Omdöme
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Konsument~11.8% Avkastning
Fördelar
- Regulated
- Steady returns
- Auto-invest
- Buyback
Nackdelar
- Limited diversification
- Latvian focus
Omdöme
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Konsument~13% Avkastning
Fördelar
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Nackdelar
- Not regulated
- Newer platform
Omdöme
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energi6-12% Avkastning
Fördelar
- Green energy
- Unique niche
- Sustainability
- Diversification
Nackdelar
- Not regulated
- High risk
- Variable returns
Omdöme
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Jordbrukup to 14% Avkastning
Fördelar
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Nackdelar
- Not regulated
- Seasonal risk
Omdöme
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Företag~10% Avkastning
Fördelar
- Regulated
- Business loans
- Diversified originators
- Solid track record
Nackdelar
- Lower returns
- Less exciting
Omdöme
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Konsument~6% Avkastning
Fördelar
- Go and Grow
- Regulated
- Very simple
- Long track record
Nackdelar
- Lowest returns
- Limited control
Omdöme
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Fastighetup to 13% Avkastning
Fördelar
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Nackdelar
- Not regulated
- Newer platform
- Limited track record
Omdöme
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Konsumentup to 13% Avkastning
Fördelar
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Nackdelar
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Omdöme
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
Fastighetup to 12% Avkastning
Fördelar
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Nackdelar
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Omdöme
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Konsumentup to 14% Avkastning
Fördelar
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Nackdelar
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Omdöme
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
Fastighetup to 14% Avkastning
Fördelar
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Nackdelar
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Omdöme
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
Jordbrukup to 18% Avkastning
Fördelar
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nackdelar
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Omdöme
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 & förbättringar
Mobilapp
Native iOS/Android-app för portföljspårning på språng.
Portföljspårning Aktiv
Synk i realtid med plattformar för att följa avkastning.
Smarta aviseringar
Notiser om nya möjligheter och plattformsuppdateringar.
⚠️ Riskvarning
Att investera i P2P-utlåningsplattformar innebär risker, inklusive risken för partiell eller total förlust av det investerade kapitalet. Din investering omfattas inte av insättningsgarantisystem enligt direktiv 2014/49/EU, inte heller av ersättningssystem för investerare enligt direktiv 1997/9/EG. Du kanske inte får någon avkastning. Detta är inte en sparprodukt och vi rekommenderar att du inte investerar mer än 10 % av ditt nettovärde. Detta är inte finansiell rådgivning. I enlighet med förordning (EU) 2020/1503.
👋 Om Mig
Francesco från Italien, passionerad för alternativa investeringar.
Jag testar personligen varje rekommenderad plattform med egna pengar. Ingen marknadsföring, bara praktisk analys.
— Francesco