Current bonus & cashback offers for P2P platforms
An overview of the sign-up and cashback offers I use for my own P2P positions. Your registration is tracked automatically via the links on this page – for some offers (e.g. Mintos) you also need to enter a code. You'll find the exact conditions in the description of each card.
Up to €500 new-customer bonus
Sign up with Mintos through my link and, using the code "INVEST26", secure a tiered new-customer bonus of up to €500 depending on how much you invest (€20 from €1,500, €500 from €25,000). Registration & investment until 30 Sept 2026.
Up to 5% + 0.5% extra cashback
Get 3 to 5% cashback with Indemo depending on your investment amount (3% from €10, 4% from €1,000, 5% from €3,000) – plus 0.5% extra cashback exclusively through my link. The promotion only runs until 30 Sept 2026.
3% cashback on all investments
Investors who sign up with Lande through my link receive 3% cashback on the amounts they invest during the first 30 days after registration.
0.5% cashback on all investments
Sign up with Afranga through my link and get 0.5% cashback on all investments – with no time limit.
Up to 5% cashback + 1% extra cashback
Invest with Asterra through my link and secure up to 5% cashback plus 1% extra cashback exclusively through my link – so up to 6% in total on your investments in the first 90 days. The promotion only runs until 30 Sept 2026.
€5 sign-up bonus
Open your Go & Grow account through my link and secure €5 in starting credit. To keep the bonus, you need to deposit at least €50 within the first 30 days.
1% cashback on all investments
Sign up with Debitum through my link and get 1% cashback on all investments you make within the first 30 days after registration.
Up to 3% cashback + 1% extra cashback
Invest with Devon through my link and get up to 3% cashback plus 1% extra cashback exclusively through my link – on all investments in the first 60 days. The promotion only runs until 30 Sept 2026.
0.5% cashback on all investments
Sign up with Esketit through my link and get 0.5% cashback on all investments within the first 90 days.
1% cashback on all investments
Sign up with FF Forest through my link and get 1% cashback on all investments within the first 30 days.
1% cashback on all investments
Sign up with Hive5 through my link and get 1% cashback on all investments within the first 90 days.
1% cashback on all investments
Sign up with Income through my link and get 1% cashback on all investments within the first 30 days.
1.5% cashback on all investments
Sign up with Lendermarket through my link and get 1.5% cashback on all investments within the first 90 days.
Early Bird: up to 3% cashback + €20 bonus
The Early Bird promotion is running now: up to 3% cashback on new Tambadana investments – 3% from 1–10 Sept, 2% from 11–20 Sept and 1% from 21–30 Sept 2026. The earlier you invest, the higher your cashback. On top of that, the existing offers remain: 1% cashback on all investments in the first 90 days plus a €20 new-customer bonus.
3% cashback on all investments
Sign up with Maclear through my link and get 3% cashback on all investments within the first 90 days.
0.25% cashback on all investments
Sign up with Monefit through my link and get 0.25% cashback on all investments within the first 90 days.
1% cashback on all investments
Sign up with MyPeak Finance through my link and get 1% cashback on all investments within the first 60 days.
1% cashback on all investments
Sign up with Nectaro through my link and get 1% cashback on all investments within the first 30 days.
Up to 5% cashback on all investments
Invest with Revest through my link and secure up to 5% cashback on all investments within the first 90 days.
Up to 3% cashback + €5 sign-up bonus
Sign up with Silvaland through my link and secure up to 3% cashback on your investments plus a €5 sign-up bonus for new customers.
1% cashback on all investments
Sign up with Triple Dragon through my link and get 1% cashback on all investments within the first 90 days.
Up to 2% cashback
Invest with Twino through my link and secure up to 2% cashback on your investments within the first 90 days. The promotion only runs until 14 Sept 2026.
0.5% cashback on all investments
Sign up with Viainvest through my link and get 0.5% cashback on all investments within the first 90 days.
€21 new-customer bonus
Sign up with 7Harvest through my link and secure a new-customer bonus of €21.
30 USDC new-customer bonus
Sign up with 8lends through my link and secure a bonus of 30 USDC.
How do P2P bonus and cashback campaigns work?
Almost every P2P lending platform regularly attracts new investors with a welcome offer. The reason is simple: new customers are expensive for platforms to acquire, so many pass on part of that marketing budget to you as a bonus when you sign up through a partner link like mine. In the end, you benefit – at no extra cost.
How a typical bonus promotion works
You click the link to a platform, register an account there and deposit capital. The link automatically sets a tracking cookie or partner ID that tells the platform you came via my recommendation. If you invest a certain amount within the stated period (e.g. 30, 60 or 90 days), the bonus is credited to you automatically – either right after your first investment or only after the period ends.
Cashback, fixed amount or tiered bonus – the most common models
Not every bonus works the same way. On this page you'll essentially find three variants:
- Cashback bonus: You get back a set percentage of your invested capital (e.g. 1% or 3% cashback on all investments in the first 30 days).
- Fixed bonus: You receive a fixed amount as soon as you register or invest a minimum sum (e.g. €5 at Go & Grow or 30 USDC at 8lends).
- Tiered bonus: The bonus amount depends on how much you invest – the more you invest, the higher the bonus (e.g. up to €350 at Mintos, tiered by investment amount).
Why the deadlines vary so much
With a bonus, platforms primarily want to win long-term investors, not short-term bonus hunters. That's why the payout is almost always tied to a holding period: if you withdraw your capital before that period ends, the bonus claim may be reduced proportionally or forfeited entirely. The specific rule is on each platform's promotion page – I link to it via the button on every card.
What I check before claiming
A high cashback rate doesn't automatically make a platform a good investment. I always look at loan quality, regulation, repayment history and the platform's liquidity options first. The bonus terms themselves – minimum investment, deadline, eligible countries – can also change at any time, which is why I always check them again on the promotion page right before signing up.
Frequently asked questions
What exactly is a P2P bonus?
A P2P bonus is a reward that a lending platform credits you on top of the normal interest when you register through a partner link and invest within a set period. It is paid out either as cashback as a percentage of your investment or as a fixed euro amount.
Do I have to do anything extra for the bonus besides clicking the link?
In most cases no – the link automatically sets a tracking cookie so the platform attributes your account to my recommendation. For some offers (e.g. Mintos) you also need to enter a promo code during sign-up. If that's the case, it's stated directly in the description of the respective card.
When is the bonus credited to me?
That depends on the platform. Some pay the bonus shortly after your first investment, others only after the period stated on the card ends (e.g. 30, 60 or 90 days) so that your capital actually stays invested. You'll always find the exact payout logic on the platform's promotion page.
Do I have to pay tax on my P2P bonus?
Cashback and bonus payments from P2P investments generally count as capital income and can be taxable – just like the interest itself. I'm not a tax advisor, so I can't give you binding advice here. Please clarify the tax treatment with your tax authority or a tax advisor.
Can I use several bonus offers at the same time?
Yes – the offers on this page each refer to different platforms, so you can easily take part in several at once. Per platform, however, there is usually only one bonus per person or account.
What happens if I withdraw my investment before the deadline?
That depends on the platform. With some offers the cashback is only calculated proportionally for the actual holding period, with others the claim lapses entirely if you sell or withdraw before the deadline. So always check the exact conditions on the promotion page before signing up.
Are higher cashback rates automatically better?
No. A high cashback rate says nothing about the quality of the loans, the regulation or the repayment history of a platform. I always look at these factors as well before using an offer – a bonus should be an added benefit, not the main reason for an investment.
What do I do if my account doesn't show the bonus?
In that case, contact the support of the respective platform directly and state that you registered via a partner link. It's important that you sign up for the first time via the link on this page – a bonus usually can't be attributed retroactively.
Disclaimer
This page is purely for information & entertainment. It reflects my subjective opinion and is not an objective financial analysis or a buy or sell recommendation within the meaning of the German Securities Trading Act (WpHG). Providing this information does not replace legal, tax or securities advice.
⚠️ Not investment advice
All content is for information and entertainment purposes only and does not constitute investment advice, a buy recommendation or an invitation to enter into a financial product. Please do your own research and make decisions based on your personal situation and risk tolerance.
📉 Risk warning & total loss
Investments in P2P loans and other financial instruments generally carry significant risks (e.g. default, market, currency and liquidity risks). A total loss of the capital invested cannot be ruled out.
📊 Returns & bonuses
All performance and bonus figures, whether historical or as a current offer, are not a reliable indicator of future results. Capital, interest and bonuses are not guaranteed and can change at any time.
🔍 Transparency & conflicts of interest
I strictly distinguish between facts and personal assessments. Important: I am often invested in the platforms discussed myself, which can create a conflict of interest.
✅ DYOR (Do Your Own Research)
All information has been compiled carefully but is non-binding, without warranty and without any claim to completeness. Please inform yourself thoroughly and consider all opportunities and risks in depth before making an investment decision.
Advertising & affiliate notice
All links on this page are advertising or affiliate links. If you sign up or invest through them, I may receive a commission – at no extra cost to you. This has no influence on your bonus or my assessment of the platforms. It supports my work.