Many of the best British and European peer to peer platforms offer sign up bonuses and cashback offers. Below is a list of some of the best sign up offers currently available. We will regularly update this page so make sure to check it regularly.
Participating in the deals below helps to support our site, will boost your returns, and guarantees perfect weather for your next summer holiday*.
Mintos 1% bonus
Mintos is the largest P2P platform operating in Continental Europe. It is also one of the best. Mintos offers loans from more than 20 different lenders and most offer interest rates higher than 10%. There is also a very active secondary market that can offer good opportunities. Mintos is the only investment platform to receive a 5 star rating from Explore P2P. New investors can receive a 1% bonus on all funds deposited and invested within 3 months of their account being opened. To take advantage of this offer, visit Mintos using this link and you will automatically qualify. This offer is not available direct from Mintos, please make sure you use the link to qualify
British Pearl 5% bonus
British Pearl offers investors an opportunity to either purchase lower risk loans secured on selected properties, or to participate in the ‘equity’ portion of the properties. The equity investment is higher risk, but gives a potential higher return from both the net rental yield plus any increases in the value of properties. We recently published an interview with their CEO and founder, Ali Celiker. We think this is a very attractive offer and will be popular. The minimum investment to qualify is £2,000 and the maximum cashback amount is £2,500 (on a £50,000 investment). The last date to invest and qualify is 8 July 2019. To take advantage of this offer, visit British Pearl using this link, where you will find full details and you will automatically qualify for the promotion.
Reinvest24 1% bonus
Reinvest24 is a property crowdfunding site operating in the Baltic region. We’ve been monitoring the site and have been impressed by the properties available. Rental yields are strong and the real estate market in the region has some attractive dynamics. We recently published an interview with their CEO, Tanel Orro. For the first time, Reinvest24 are offering new investors a 1% signup bonus, until May 31. Investors need to invest at least €1,000 to qualify. For investors who invest over €10,000, the bonus will be increased to 1.5%. To take advantage of this offer, visit Reinvest24 using this link and you will automatically qualify.
Bridgecrowd £100 bonus (exclusive)
Bridgecrowd is one of our highest rated British platform. It is targeted at investors with larger sums to invest. Investors can purchase loans that are secured by 1st and 2nd lien charges against British real estate (mainly residential). Bridgecrowd offers returns of between 8-12% per annum, which we think offers a very attractive return relative to risk. Bridgecrowd has also received one of our highest site ratings (4.5 stars) and is an extremely popular site currently. Full details can be found here. This offer is not available direct from Bridgecrowd, and is exclusive to Explore P2P.
Kuflink £100 bonus
Kuflink offers investors loans secured against British real estate. Returns are currently between 3.99 – 7.2%. Kuflink’s co-investment in each loan acts to reduce the risk for lenders, making this an attractive option for investors looking for lower risk opportunities, but with reasonable rates. Investors can earn a £100 bonus on their first investment when they open an account using this link. The minimum investment to qualify for this offer is only £500. We think that this is one of the best offers available at the moment.
Flender 5% bonus
Flender provides loans to small businesses in Ireland. It has been operating for 2 years now, and is small but growing. Last year we interviewed their CEO. Interest rates are usually around 10%. Most businesses that Flender lends to are successful businesses in need of growth finance. Flender had previously offered 0.5% cashback, but until May 31 2019 they are increasing this by 10 times to 5%! That means investors can earn a 15% return in their first year with Flender. New investors receive a 5% cashback bonus on funds invested within 30 days of opening an account.
Estateguru 0.5% bonus
Estateguru offers investors loans secured by real estate in Latvia, Lithuania and Estonia. LTVs are lower than for similar loans in Western Europe and interest rates are attractive – typically 9-12%. The quality of information provided about each loan is extremely good, and lending performance has been strong to date. We have given Estateguru a 4 star rating. To take advantage of this bonus offer, visit EstateGuru using this link and you will automatically qualify. This is currently one of the most popular offers on our site.
Property Crowd £150 bonus
Property Crowd is focused on sophisticated investors with larger sums available to invest. It offers investors access to well structured investments funding British real estate developments. Interest rates tend to be high – around 8.5% for senior bonds and 11% for mezzanine bonds. Our review of Property Crowd is available here. Investors can earn a £150 bonus for all new accounts opened in May, where a minimum of £3,000 is invested into bonds by May 31 2019. To qualify, investors must visit Property Crowd, and enter referral code ADR-WAT-754 during the registration process. Only accounts opened with this code will receive the £150 bonus. Note – smaller bonuses of £50 (for £1000 of investment) and £100 (for £2,000 of investment) are also available. This is a genuine limited time offer – Property Crowd rarely offer sign up bonuses.
Growth Street £200 bonus
Growth Street offers a fairly simple product to investors. Investors earn a return of 5.3% currently, with investments spread across more than 100 loans to British businesses. A provision fund exists which covers losses from any defaults, and funds can be withdrawn with 30 days notice. Our full review is available here. Investors can earn a £200 bonus on their first investment when they open an account using this link. The minimum investment to qualify for this offer is £5000 for a 12 month period. This bonus is one of the largest available currently, and gives investors an up to 4% boost to their first year returns.
Ratesetter £100 bonus
Ratesetter is one of the largest P2P investing sites in Europe. Investors can choose from a short term ‘rolling’ product, or longer term products that offer higher interest rates. Interest rates available have been increasing recently, and currently range from 3 to 6%. Ratesetter is offering new investors an opportunity to earn up to 10% extra in their first year. They will pay investors a £100 bonus for all investors who invest a minimum of £1,000 for 12 months. To earn the bonus, visit Ratesetter using this link, open an account, and £100 will be paid into your account automatically at the end of the 12 month period. Ratesetter currently only accepts UK residents as investors.
Assetz Capital £50 bonus
Assetz Capital has regularly featured in our list of top 10 P2P investment sites. Their lending track record is strong, and they offer a wide range of products, with typical returns between 5 to 8%. Assetz Capital have not offered bonuses to new customers as they have been growing so quickly, but for a limited time they are offering a £50 bonus for new investors who invest at least £1,000 for 12 months. We don’t expect this offer to last long. To take advantage, simply enter the code 2QLXS8 when opening an account.
Funding Circle £50 Amazon card
Funding Circle is the largest P2P investment site, with operations in the UK and USA. It has a long and consistent track record lending to small and medium sized businesses. Their investors expect to earn around 6-7% after defaults. Funding Circle rarely run promotions, but it is currently offering new investors a £50 gift card valid at Amazon.co.uk. Investors must open a classic or ISA account and invest a minimum of £2,000 for 3 months to qualify. Click on the link for full details of the offer.
NEO Finance €40 bonus
NEO Finance is the P2P investment arm of the Lithuanian lender Paskolu Klubas. The platform has been operating since 2016 and holds authorisations from the Bank of Lithuania. We’ve been impressed by the responses provided by management to our questions, and the quality and transparency of their external reporting is well above average (see latest report here). NEO Finance offers traditional personal loans with typical rates of around 18% and terms of 48 months. The platform will buyback defaulted loans at their expected future recovery level which is between 50-80% of outstanding balance. NEO Finance guides investors to expect net returns of between 11 to 15% after defaults. They are offering a €40 bonus for new investors who open an account and invest a minimum of €150 using this link. This is a generous offer relative to the minimum investment required, and is a good opportunity to test out a new platform that offers strong potential returns.
Currencyfair €30 bonus
We believe it is important to have a geographically diversified P2P portfolio. We think for example that most UK investors should allocate some capital to European platforms, and vice versa. Currencyfair can facilitate these FX conversions and money transfers extremely efficiently and with very tight spreads. Currencyfair is also useful for making vacation payments and any other payment outside your home banking system. Currencyfair are offering a €30 sign up bonus, and a fee free transaction for new customers converting at least €2,000 or equivalent. To take advantage of this offer, go to Currencyfair using the link provided and you will automatically qualify.
Landbay £50 bonus
Landbay specialises in mortgage loans to buy-to-let investors. Landbay’s provision fund and lower LTV loans make this platform particularly suitable for investors looking for steady returns and less risk. Investors can earn a £50 bonus by investing a minimum of £5,000 for 12 months in either the classic or Landbay ISA accounts. To take advantage of this offer, visit Landbay using the link provided and you will automatically qualify.
Lending Crowd £50 bonus
Lending Crowd specialises in providing loans to small and medium sized British businesses. We think that Lending Crowd is particularly suited to more sophisticated investors who enjoy reviewing the financial details of companies and like to select the best opportunities. Lending Crowd has a stated target return for investors of around 8%. Investors can earn a £50 bonus by investing a minimum of £2,000 for 12 months. ISA accounts are available for UK tax payers.
Zlty melon 1% bonus
Zlty melon is one of the oldest European P2P investment sites, operating since 2012. They are based in Slovakia and investors can choose from personal loans (typically with interest rates in the mid-teens %) as well as some (2nd lien) mortgage loans. We recently interviewed Jos Henson from their management team. We think Zlty melon provides excellent quality data and has a good and improving lending track record. Zlty melon are offering a 1% bonus for all investments made within 180 days of opening an account, if the account is opened using this special link (cannot be combined with any other offers).
October €20 bonus
October is one of the largest European platforms and their loans can provide good diversification to a portfolio. October focuses on SME loans in France, although it has recently expanded into Spain and Italy. The site is now available in French, Italian and English languages. Interest rates are typically around 4 – 9% and there is strong demand for the loans. A €20 bonus is available when investing a minimum of €500 when using this link. That’s an extra return of up to 4% in the first year. To take advantage of this offer, visit October using the link provided and you will automatically qualify.
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