Debitum Flow: 8% Interest, Daily and Flexible? My Honest Take on the New Fixed-Income Product

Debitum has launched a new product that immediately caught my attention: Debitum Flow. The pitch almost sounds too good – 8% interest per year, paid out daily, and flexible, because you can exit early with no exit fees. It's essentially Debitum's answer to savings-account-like products such as Bondora Go & Grow or Monefit SmartSaver – only with the highest rate in the field. In this post I look at how Flow really works, how flexible it actually is, how safe your money is, and how it compares to the competition.

As always, first the most important note: this is not investment advice and not a buy recommendation, just my personal opinion. Debitum Flow is not a savings account – your capital is not guaranteed, and you can lose money. The Debitum link is a partner link: if you use it, you support my work at no extra cost to you – on the contrary, you secure the cashback.

Debitum Flow at a glance

• Rate: 8% p.a. fixed on regulated notes
• Interest payments: daily
• Flexibility: early withdrawal possible, no exit fees
• Withdrawal limits: up to €1,000 next day, up to €5,000 per week (inclusive)
• Minimum: €10 per note · Maximum: €5,000 per note
• Two notes at launch (Baltic Terra, LFDF II) → up to €10,000 total
• Note maturity: 5 years (with the option to request early withdrawal)
• Regulated: MiFID II, notes with an ISIN under a base prospectus approved by the Bank of Latvia
• Bonus: 1% cashback in the first 30 days through my link

What is Debitum Flow?

Debitum Flow is a flexible fixed-income product. Instead of picking individual loans, you invest in regulated notes – debt securities with their own ISIN, issued under an approved base prospectus. In return you earn 8% interest per year. The money from your notes flows to Debitum's funding partners, who use it to issue secured loans.

The big difference from normal P2P loans, and from Debitum's classic offering: flexibility. With the usual Debitum investments, your money is locked until maturity (there's no secondary market). Flow, by contrast, lets you request an early payout – within certain limits, more on that in a second.

8% interest, paid out daily

The rate is the main reason Flow is getting so much attention: 8% p.a., with interest credited to your account daily. That's more than the well-known flexible competitors (more below). The notes have a 5-year maturity, but you can request an early payout.

An honest point right up front: the 8% is a fixed coupon, but not a guarantee. Debitum itself clearly states that Flow is not a deposit or savings account and that your capital is not guaranteed. If the funding partners default, you can lose part or all of the amount. The high rate is the premium for that risk – not free money.

How flexible is Flow really? The withdrawal limits

This matters, because it's often described loosely online. The flexibility has clear limits:

• Up to €1,000 can usually be paid out by the next business day.
• Up to €5,000 per week – this weekly amount includes the €1,000 next-day amount, so it's not on top.
• No exit fees for early withdrawal.

So there's no "€1,000 per day" limit, as you sometimes read. The €1,000 is the portion eligible for the fast next-day payout; anything above runs through the weekly cycle up to €5,000. Withdrawal requests go into a transparent queue processed on a first-in-first-out basis – and timing depends on available liquidity. So it's not instant availability like an instant-access account.

How much can I invest? Two notes, €10,000

The minimum is €10 per note, the maximum €5,000 per investor per note. At launch there are two notes – Baltic Terra and the Latvian Forest Development Fund II (LFDF II). Since you can put up to €5,000 into each, your total limit is €10,000. My app shows this as "Remaining investment limit €10,000":

This €10,000 cap is also Flow's biggest limitation: anyone wanting to park substantially more flexibly hits the ceiling fast. It works for a liquid buffer of a few thousand euros; as a large return building block for a bigger portfolio, not (yet).

How safe is Debitum Flow?

Debitum isn't an unknown newcomer but has been on the market for years: the company has been licensed as an investment brokerage firm since September 2021 and is supervised by the Bank of Latvia. The Flow notes are securities with an ISIN under a base prospectus approved by the Bank of Latvia and regulated under MiFID II. That's a different, formal regulatory framework from many pure P2P loans.

On scale: as of 14 Sept 2026, Debitum has facilitated around €223.76M, of which €152.48M has already been repaid, and counts over 34,700 investors. That's a solid track record.

And yet the flip side belongs here too:

• No deposit insurance. Flow is not a savings account, your capital is not guaranteed.
• Exit not guaranteed. Per the base prospectuses (LFDF II and Baltic Terra), the issuer may accept or reject early-repayment requests at its own discretion. So don't count on always getting out fully before maturity.
• Default risk of the funding partners. If something goes wrong there, your money is at risk.

The loyalty programme: Flow counts toward your level, but earns no rate bonus

Debitum has a loyalty programme with four tiers that raise your rate on other investments:

Tier	Invested	Loyalty bonus
New Investor	< €6,000	–
Investor	€6,000–24,999	+0.50% p.a.
Investor Pro	€25,000–49,999	+1.00% p.a.
Investor Elite	> €50,000	+2.00% p.a.

The important catch many people miss: the loyalty bonus does not apply to Flow itself – the rate bonus only counts for primary-market investments via the normal "Invest" page. But: your Flow balance counts toward your tier, so it helps you reach a higher loyalty level (and thus more bonus on your other Debitum investments). A clever detail if you invest more broadly with Debitum anyway.

Debitum Flow vs. Go & Grow, Monefit & TWINO

Flow takes on the established flexible products. Here's how the rate sits:

Product	Rate p.a.	Notable
Debitum Flow	8% (fixed)	MiFID II notes, max €10,000, very new
Bondora Go & Grow	up to 6%	broad consumer-loan portfolio, no deposit limit, proven for years
Monefit SmartSaver	expected 7.5%	flexible main account, vaults with higher rates
TWINO FLEXI	6% (fixed)	max €10,000 per investor

Debitum Flow has the highest rate in the field – that's the clear plus. In return it's brand new and capped at €10,000. Go & Grow scores with a long track record and no deposit limit, but a lower rate. For me, Flow is the most exciting newcomer, but no reason to throw everything else overboard – the mix is what counts.

The bonus: 1% cashback in the first 30 days

Through my Debitum link* you get 1% cashback on your investments in the first 30 days after registration. The bonus runs automatically via the link, no voucher code needed. As always: check the current promotion terms directly at Debitum before you finish.

The downsides – what to watch out for

• Not a savings account. No guaranteed rate, no deposit insurance, capital not guaranteed.
• Flexibility has limits. €1,000 next day, €5,000 per week (inclusive), subject to available liquidity – no instant access like an instant-access account.
• Early exit not guaranteed. Per the base prospectus, early repayment is at the issuer's discretion.
• Capped at €10,000 (2 notes at €5,000 each).
• No loyalty bonus on Flow itself (though Flow counts toward your tier).
• Very new product – little experience over a full cycle.

Verdict: the highest rate in the flexible field – with the risks stated

Debitum Flow is a genuinely interesting product: 8% fixed, paid out daily, a decent dose of flexibility, and a MiFID-II-regulated framework on a platform established since 2021. For a flexible liquidity buffer of a few thousand euros meant to earn more than Go & Grow & co., I find Flow appealing – especially with the highest rate in the field.

What stays important is the honest framing: it's not a savings account, the exit is within limits and not guaranteed, and the €10,000 cap limits how much you can put to work. If you accept that and only use money whose loss you could handle, you get one of the most interesting flexible P2P options of the year. If you want to try it, best to grab the cashback right away: try Debitum Flow through my link and take the 1% cashback*.

Links marked with * are partner links. If you invest through them, you support my work – at no extra cost to you; you secure the cashback. Thank you!