This article gives you a complete overview of the best P2P cashback offers and and P2P sign-up bonuses offered by European investment platforms in 2020.

Go ahead and check out the list to boost your passive income stream with some extra percentages from new and interesting crowdfunding sites.

I’ve negotiated a lot of exclusive deals and bonuses for my visitors. Many of these special promotional offers can only be found here and aren’t available on other personal finance blogs. Don’t miss your limited chance to sign up through these referral links and earn extra percentages and cash welcome bonuses.

It’s simple to claim your P2P cashback offer or sign-up bonus:

Pick a platform offer from below and click on the accompanying affiliate link. Unless there’s an accompanying promo code, your sign-up bonus is activated in the background during registration. Just register an account on that site to claim your reward.

Remember, it might not always look like it, but the promotional bonus is automatically applied in the background during registration.

So, all you have to do to receive your reward is to complete the sign-up process and start investing.

Disclosure: Please note that some of the links below are affiliate links. At no extra cost to you, I may earn a commission. Thanks for supporting this blog and making its content available for free ๐Ÿ‘

PlatformBonusAverage returnType
MonestroNo bonus currently available.20%Consumer
Monetheraโœ… โ‚ฌ5 + 0.5% cashback sign-up bonus for 360 days when signing up through this link with the promo code “ampleinvest”.18.9%Business
FinBeeNo bonus currently available.18%Consumer 
WiseFundโœ… 0.5% cashback sign-up bonus for 180 days using this WiseFund referral code18%Business
CrowdestateNo bonus currently available.17.92%Real estate, business
TFGcrowd๐Ÿ’กโ‚ฌ20 TFG Crowd promotion bonus by inviting a friend who invests min. โ‚ฌ10017%Real estate
Crowdestorโœ… 1% cashback sign-up bonus for 180 days using this Crowdestor referral code link16%Real estate, business
BulkEstateNo bonus currently available.15.33%Real estate
Reinvest24โœ… โ‚ฌ10 free Reinvest24 promo code when investing โ‚ฌ100 or more14.6%Real estate
BoldYield๐Ÿ†• 0.5% cashback on all investments for 180 days with this BoldYielld promo code. Condition: Invest min. โ‚ฌ10014%Real estate
Grupeer ๐ŸŽ Christmas cashback (see above)13.41%Business
FastInvest ๐Ÿ’ก โ‚ฌ70 Fast Invest bonus when inviting a friend who invests min. โ‚ฌ20012.5%Business
Lenndy โœ… โ‚ฌ10 sign-up bonus with this Lenndy promotion code (+ 2% when you refer a friend)12.3%Business, car, invoice
Mintos โœ… 0.5% cashback sign-up bonus with this Mintos referral code (+ up to โ‚ฌ1,000 by referring a friend)12.22%Consumer, car, invoice
Estateguru โœ… 0.5% cashback sign-up bonus for 90 days with this EstateGuru referral link12.1%Real estate
LenderMarket๐Ÿ†• 1% cashback on all investments when signing up with this LenderMarket promo code12%Consumer
BridgeCrowd๐Ÿ’ก ยฃ250 BridgeCrowd bonus by referring a friend who invests ยฃ5,00012%Bridge loans
Coinloanโœ… 1% cashback sign-up bonus with this Coiloan referral link12%Crypto 
NEO Financeโœ… โ‚ฌ25 cashback sign up bonus with this Neo Finace referral link12%Consumer, real estate, business
Robo.CashNo bonus currently available.12%Consumer
Swaperโœ… 2% cashback sign-up bonus with this Swaper referral link until 02.11.19. Invest min. โ‚ฌ5000 to maintain 14% interest.12-14%Consumer
PeerBerry ๐Ÿ’ก 0-1% loyalty bonus on PeerBerry depending on your investment.11.53%Consumer
NordStreet๐Ÿ†• 1% cashback on all investments made within 30 days of registration with this NordStreet promo code.11.38%Real estate, business
EvoEstateโœ… โ‚ฌ15 free sign-up bonus + 0.5% cashback for 6 months when signing up through this link and entering the EvoEstate promo code “ampleinvest” during registration.11%Real estate
TwinoNo bonus currently available.11%Consumer
ViaInvest ๐Ÿ’ก โ‚ฌ10 ViaInvest bonus by referring a friend11%Consumer
BridgeCrowd๐Ÿ’ก ยฃ250 BridgeCrowd referral bonus when friend invests ยฃ5,00010.8%Real estate
Flenderโœ… 5% cashback sign-up bonus for 30 days with this Flender referral code link10.5%Business
Brickstarterโœ… 0.5% cashback sign-up bonus for 90 days with this Brickstarter referral code link + free โ‚ฌ15 with promo code “Ampleinvest”10%Real estate rental
Housers โœ… โ‚ฌ25 free sign-up bonus with this Housers promo code PFH–REF–11952710%Real estate rental
ProfitusNo bonus currently available.10%Real estate, business
Debitum Network โœ… โ‚ฌ5 Debitum Network sign up bonus9.45%Business
Ekassa๐Ÿ’ก 1% extra when investing in the Guaranteed product7.4%Consumer 
Property Partner๐Ÿ’ก Up to ยฃ250 Property Partner referral bonus by inviting a friend7.3%Real estate
Rendityโœ… โ‚ฌ25 cash sign-up bonus with this Rendity referral link7%Real estate
Bondora โœ… โ‚ฌ5 with this Bondora referral code6.75%Consumer
Bit of PropertyNo bonus currently available.6.3%Real estate rental
DoFinanceโœ… 1% bonus on auto-investments (VIP status) for 90 days with this DoFinance referral link5-11%Consumer 
Iban Walletโœ… 1% sign-up bonus for 90 days when using this referral link and Iban Wallet promo code TRYIBANNOW5%Real estate (indirect)
October (Lendix)โ‚ฌ20 cashback bonus with the October referral code AMPLEINVEST. Condition: Deposit โ‚ฌ5004.5%Business

List of P2P Sign-Up Bonuses and Cashback Offers

Monethera Promo Code

  • Bonus: โ‚ฌ5 + 0.5% free cashback for 90 days. Use the Monethera promo code “ampleinvest” to get 180 days (this offer is limited to the first 50 investors).
  • Avg. Interest rate: 18.9%
  • Open to: Individuals and companies from all countries except USA, China and countries sanctioned by the European Union

Wisefund Promo Code

  • Bonus: 0.5% cashback for 180 days on all investments when signing up through this WiseFund referral link
  • Condition: Invest in projects
  • Avg. interest rate: 18%
  • Open to: Citizens of EU countries and Switzerland

TFG Crowd

  • Offer: TFG Crowd invitation bonus
  • Bonus: โ‚ฌ20
  • How: Invite a friend through the refer-a-friend program and receive โ‚ฌ20 once he/she completes registration and invests โ‚ฌ100 or more
  • Condition: Your friend must invest minimum โ‚ฌ100
  • Avg. interest rate: 17%

Crowdestor Promo Code

  • Bonus: 1% extra on all investments for 180 days
  • Condition: None, just invest
  • How: Sign-up through this Crowdestor partner link and start investing
  • Avg. interest rate: 16%
  • Open to: Individuals and businesses from around the world (with very few exceptions)

What Exactly is Cashback?

Cashback refers to a system in which peer-to-peer lending platforms encourage investors to fund certain loans or invest during a limited time period by offering them money as an incentive in return for their investment.

Cashback used to refer only to direct cash rewards from specific investment projects, but nowadays its usage has been extended to describe the bonuses new users receive upon signing up as investors, such as extra percentages from their investments within the first few months of registering.

Why Would They Give Me a Sign-Up Bonus?

More and more P2P platforms offer cashback rewards as sign-up bonuses to attract new users in hope that they will stay on as investors for a longer period and help fund loans, even when the welcome bonus period has ended.

From the side of the investor, cashback offers and sign-up bonuses can actually make a serious difference to your portfolio’s performance, especially when you invest large sums of money.

But why do P2P sites offer cashback rewards to new users?

Isn’t it just a cheap marketing scheme?

Look: The need for alternative finance is exploding these years. Businesses, consumers and real-estate companies are hungry for alternative ways to finance their projects.

According to the Cambridge Centre for Alternative Finance, the total alternative finance market volume in Europe was โ‚ฌ3.37 billion in 2017, against โ‚ฌ2.06 billion in 2016 (excluding the UK).

That’s a 63% increase in only one year.

Source: 4th European Alternative Finance Report

With those numbers, it’s no wonder that new P2P platforms continue to pop up. But launching a site can be difficult, let alone attract the right investors. The competition is fierce. That’s one reason why many new sites offer complementary rewards in return for your money and hope you stay on.

To sum up, P2P cashback offers and sign-up bonuses often benefit both parties. Platforms attract new users, while investors increase get the chance to test out the platform and increase their returns.

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