#01
Maclear review 2026 — Swiss SRO-licensed P2B with up to 14.9% yields and CEO personal accountability on the only default. CrowdIndex Score 9.2/10.
Avg. Return
14.5–14.9%
Min Invest
€50
Auto-invest
Yes
Regulator
SRO · CH
Since
2022
Invest in real European businesses. Safely.
Every European P2P platform ranked by what actually matters — regulators, audits, defaults, recovery. So you know exactly where your capital goes.
19
European P2P platforms reviewed in this index
120+
Sources behind every published rating
Monthly
Scores refreshed — same-day on material news
✓Ranked before outreach €No paid placements 🇪🇺Across 14 countries
P2P in 60 seconds
What peer-to-peer
investing actually is.
You lend small amounts to many borrowers via an online platform, in exchange for monthly interest. Typical EU yields in 2026: 6% to 15%. But so is the regulation. So is the protection.
Read the full beginner's guide- 01 Real interest. Monthly.
Most platforms pay interest monthly. Compounded across a year, returns usually outpace EU savings accounts by 4–10 percentage points.
- 02 The licence is the product.
From full MiFID-II (€20,000 protection) to AML-only SRO (no protection) to fully unregulated. The label "P2P" tells you very little on its own.
- 03 Five risks. Not one.
Borrower default, platform insolvency, regulation, illiquidity, concentration. A good platform addresses all five — not just the first.
- 04 Diversify by platform.
Most experienced EU investors split €1,000–€5,000 across 4–5 platforms — and cap the asset class at 20–30% of net worth.
The CrowdIndex · 2026
Every European P2P platform.
Ranked. Reviewed. Rescored monthly.
Six weighted dimensions: regulation, default & recovery, originator structure, fees, operational track record, liquidity. Tier 1–2 are core. Tier 3–4 are caution.
Tier 1 · Core holdings
#02
InRento review 2026 — only ECSP-licensed buy-to-let crowdfunding in EU. 0% capital loss in 5 years. Fortune-profiled CEO, niche Lithuanian focus.
Avg. Return
~11.8%
Min Invest
€500
Auto-invest
No
Regulator
ECSP · LT
Since
2020
#03
Mintos review 2026 — €600M+ AUM, full MiFID II licence with €20K investor compensation. CrowdIndex Score 8.7/10. Lower yields, regulatory peace of mind.
Avg. Return
~9–11%
Min Invest
€50
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2015
Tier 2 · Highly rated
#04
Capitalia review 2026 — first EU crowdfunding platform under InvestEU guarantee (€15M EIF). ECSP-licensed, audit-clean Baltic SME focus.
Avg. Return
~10.5%
Min Invest
€200
Auto-invest
Yes
Regulator
ECSP · LV
Since
2017
#05
Nectaro review 2026 — MiFID II IBF licence, €20K investor compensation, 14.91% realised yield 2025. Dyninno Group related-party flow is the trade-off.
Avg. Return
~14.9%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2016
#06
PeerBerry review 2026 — €51M Ukraine military loans repaid in full; secondary market live 2026. Concentration with Aventus Group is the trade-off.
Avg. Return
~11%
Min Invest
€10
Auto-invest
Yes
Regulator
ECSP pending
Since
2017
#07
I
Indemo review 2026 — distressed Spanish mortgages, 23% avg returns on 13 completed deals. MiFID II + NASDAQ CSD custody. Rietumu Banka pedigree.
Avg. Return
21.6–22.4%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2022
#08
Robocash review 2026 — consistent buyback on 30-90 day consumer loans, 10-12% yields. 100% concentration with Robocash Group is the structural risk.
Avg. Return
9–13%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2017
#09
Crowdpear review 2026 — Lithuanian ECSP-licensed RE platform, ISO 27001 certified. Profitable 2024. Cap-table 100% overlap with PeerBerry is the risk.
Avg. Return
10.6%, up to 14%
Min Invest
€100
Auto-invest
No
Regulator
ECSP · LT
Since
2021
Tier 3 · Use with caution
#10
Profitus review 2026 — €273M cumulative, zero reported capital losses. ECSP-licensed. Negative FY24 equity raises sustainability questions.
Avg. Return
~10%
Min Invest
€100
Auto-invest
Yes
Regulator
ECSP · LT
Since
2017
#11
Lendermarket review 2026 — Central Bank of Ireland ECSP licence. 100% Creditstar single-originator concentration. Buyback depends on Creditstar solvency.
Avg. Return
~15.6%, up to 18%
Min Invest
€10
Auto-invest
Yes
Regulator
ECSP · IE
Since
2019
#12
InSoil review 2026 — April 2025 rebrand of HeavyFinance. ECSP, EIF €20M cornerstone, EU climate angle. Realised yields ~4.5% below advertised.
Avg. Return
~13.1% advertised
Min Invest
€100
Auto-invest
—
Regulator
ECSP · LT
Since
2020
#13
Twino review 2026 — Latvijas Banka MiFID II IBF since 2021, €1.125B cumulative. Russia exposure not fully closed; Trustpilot 2.4-3.0.
Avg. Return
10–13%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2015
#14
H
Hive5 review 2026 — Ruptela Group concentrated ownership, no financial licence. CEO claimed profitability while financials showed losses. Tier-3 caution.
Avg. Return
12–14%, up to 14.5%
Min Invest
€10
Auto-invest
Yes
Regulator
Unregulated
Since
2022
Tier 4 · High caution & avoid until resolved
#15
S
Scramble review 2026 — Estonia/UK direct-to-consumer brands, unregulated claims-assignment model. Innovative but not stress-tested. Tier-3 high caution.
Avg. Return
up to 12.4%, up to 25%
Min Invest
€10
Auto-invest
No
Regulator
Unregulated
Since
2020
#16
E
EstateGuru review 2026 — once tier-1 EU RE P2P, now 60.2% portfolio in recovery. ECSP-licensed but Trustpilot 1.4/5. Workout phase, not growth.
Avg. Return
~10.4%
Min Invest
€50
Auto-invest
—
Regulator
ECSP · EE
Since
2013
#17
D
Debitum
Use with caution Riga, Latvia SME notes, forest land, agricultural land, invoice finance, gaming royalties 3.5 /10Debitum review 2026 — Karsten Aichholz March 2026 investigation: 34¢ insider margin, 87% family-network portfolio, 5 CEOs in 3 years. Tier-4 risk.
Avg. Return
~11.4%
Min Invest
€10
Auto-invest
Yes
Regulator
MiFID II · LV
Since
2017
#18
Reinvest24 review 2026 — three regulator alerts (EFSA, CNMV, Norway). Withdrawals frozen since Feb 2024. 1-person ops team. Active wind-down.
Avg. Return
~14.6% claimed
Min Invest
€100
Auto-invest
—
Regulator
Unregulated
Since
2017
#19
Loanch review 2026 — Fingular Group platform tied to ex-Cashwagon CEO. Investigative cluster on Russia-laundering patterns. 100% conflict of interest.
Avg. Return
13–14.5%
Min Invest
€10
Auto-invest
—
Regulator
Unregulated
Since
2022
Guides
Start here.
Five essential reads on P2P investing in Europe — beginner basics, the risk picture, the EU regulation landscape, what "safe" actually means, and where to go after Mintos.
Guide
Where to Invest in Europe in 2026 - A Realistic Guide
Where to invest in Europe in 2026 with inflation at 3.0%, ECB hawkish, gold off its January peak and stocks lagging the US. Seven asset classes compared with honest returns, risks and a portfolio template.
Guide
Bank Savings Alternatives Europe 2026 - 7 Options That Beat 2%
Seven alternatives to European bank savings ranked by risk-adjusted return for 2026, when 2% deposit rates fall behind 3% inflation. Plain-English math, real platforms, no fluff.
Guide
How to Earn 10-15% Annual Returns in Europe (2026 Guide)
How to realistically build a 10-15% annual return portfolio from a European base in 2026, with concrete math for €10K, €50K and €100K and the role of P2P lending as the income engine.
Guide
Bitcoin Mining Investment in 2026: How to Earn 20%+ APR Without Buying ASICs
Bitcoin mining is consolidating around low-tariff, multi-site operators ahead of the 2028 halving. We break down the niche, the economics, and a live opportunity paying 20.9% APR.
Guide
Premium Strawberry Investment in Georgia 2026: Geothermal Greenhouse Paying 22.9% APR
Caucasus markets import 30% of their winter strawberries. One Georgian greenhouse operator is solving that with geothermal year-round production — and lenders can earn 22.9% APR on the expansion.
Methodology
Six dimensions. Externally verifiable.
Every CrowdIndex score is the weighted average of six independent ratings — each anchored to public filings, audited statements, regulator records, and direct verification.
Full methodology →- 25%Regulation & protectionECSP, MiFID, SRO, or none — and what each actually guarantees an investor.
- 20%Default & recovery historyDefault rate, recovery yield, time to recovery. Verified against filings, not platform claims.
- 15%Originator structureSkin-in-the-game, conflict-of-interest, related-party loan concentration.
- 15%Operational track recordAudited financials, years operating, regulatory findings, management stability.
- 15%Fees & net yieldRealised yield after defaults and fees — not the headline advertised rate.
- 10%Liquidity & UXSecondary market depth, exit timing, interface usability, support quality.
FAQ
The questions readers actually ask.
Five most-asked CrowdIndex questions. For platform-specific details, every review has its own FAQ section addressing the questions readers send us about that particular platform.
How does CrowdIndex rank P2P platforms?
We score on six dimensions — regulation & protection, default & recovery, originator structure, operational track record, fees & net yield, liquidity & UX — each anchored to externally-verifiable evidence. Full breakdown on the methodology page.
Are P2P investments safe?
P2P investing is high-risk and capital can be lost. Different regulatory regimes provide very different protections — see our safety guide for what compensation schemes actually cover.
Does CrowdIndex earn affiliate fees?
Yes — some platforms pay us referral commission when investors sign up through our links. We rank platforms before negotiating any commercial relationship, and we’ve publicly downgraded sponsors when the evidence warranted it. Read the full disclosure.
How often is the ranking updated?
Scores are rescored monthly. We publish a same-day update when material news affects a platform — a default, regulatory action, ownership change, or audit finding.
Why is Maclear #1 if it isn’t ECSP-licensed?
CrowdIndex weighs operational evidence over licence type alone. Maclear is regulated in Switzerland (PolyReg under FINMA oversight), has the cleanest default-and-recovery record in our universe, and the only documented case of a CEO personally covering investor losses on a default. The lack of ECSP compensation scheme costs it points — but the platform still scores higher in aggregate than any ECSP-licensed peer.