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 2019. 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 extremely simple to claim your P2P cashback offer or sign-up bonus. Simply pick a platform and click on the accompanying affiliate link. Then register an account on that site and start investing. The promotional offer will be applied automatically and active 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, we may earn a commission. Thanks for supporting this blog and making its content available for free 👍

PlatformBonusAverage returnType
Monestro20%Consumer
Monethera✅ €5 + 0.5% cashback sign-up bonus for 180 days using this Monethera promo code18.9%Business
Envestio✅ €5 + 0.5% cashback sign up bonus for 270 days using this Envestio promo code18.43%Real estate, business
FinBeeJoin FinBee18%Consumer 
WiseFund✅ 0.5% cashback sign-up bonus for 180 days using this WiseFund referral code18%Business
Crowdestate17.92%Real estate, business
TFGcrowd💡€20 TFG Crowd promotion bonus by inviting a friend who invests min. €10017%Real estate
Crowdestor✅ 1% cashback sign-up bonus for 180 days using this Crowdestor referral code link16%Real estate, business
Kuetzal✅ €15 + 0.5% cashback bonus with this link. Enter the Kuetzal promo code AMPLEINVEST during registration.16%Real estate, business
BulkEstate15.33%Real estate
Reinvest24✅ €10 free Reinvest24 promo code when investing €100 or more14.6%Real estate
Grupeer ✅ 1% cashback bonus when registering with this Grupeer promo code (deal lasts until 17/11/19, paid out 22/11)13.41%Business
FastInvest 💡 €70 Fast Invest bonus when inviting a friend who invests min. €20012.5%Business
Lenndy ✅ €10 sign-up bonus with this Lenndy promotion code (+ 2% when you refer a friend)12.3%Business, car, invoice
Mintos ✅ 1% cashback sign-up bonus with this Mintos referral code (+ up to €1,000 by referring a friend)12.22%Consumer, car, invoice
Estateguru ✅ 0.5-1% cashback sign-up bonus for 90 days with this EstateGuru referral link12.1%Real estate
BridgeCrowd💡 £250 BridgeCrowd bonus by referring a friend who invests £5,00012%Bridge loans
Coinloan✅ 2% cashback sign-up bonus with this Coiloan referral link12%Crypto 
NEO Finance✅ €25 cashback sign up bonus with this Neo Finace referral link12%Consumer, real estate, business
Robo.Cash12%Consumer
Swaper✅ 2% cashback sign-up bonus with this Swaper referral link until 02.11.19. Invest min. €5000 to maintain 14% interest.12-14%Consumer
Peerberry 11.53%Consumer
EvoEstate ✅ €15 free sign-up bonus with the EvoEstate referral code “ampleinvest”11%Real estate
Twino11%Consumer
ViaInvest 💡 €10 ViaInvest bonus by referring a friend11%Consumer
BridgeCrowd💡 £250 BridgeCrowd referral bonus when friend invests £5,00010.8%Real estate
Flender5% cashback sign-up bonus for 30 days with this Flender referral code link10.5%Business
Brickstarter✅ 0.5% cashback sign-up bonus for 90 days with this Brickstarter referral code link + free €15 with promo code “Ampleinvest”10%Real estate rental
Housers ✅ €25 free sign-up bonus with this Housers promo code PFH–REF–11952710%Real estate rental
Profitus10%Real estate, business
Debitum Network9.45%Business
Ekassa💡 1% extra when investing in the Guaranteed product7.4%Consumer 
Property Partner💡 Up to £250 Property Partner referral bonus by inviting a friend7.3%Real estate
Rendity✅ €25 cash sign-up bonus with this Rendity referral link7%Real estate
Bondora ✅ €5 with this Bondora referral link + €25 when you invest €1,0006.75%Consumer
Bit of Property6.3%Real estate rental
DoFinance✅ 1% bonus on auto-investments (VIP status) for 90 days with this DoFinance referral link5-11%Consumer 
Iban Wallet✅ 1% sign-up bonus for 90 days when using this referral link and Iban Wallet promo code TRYIBANNOW5%Real estate (indirect)
October (Lendix)Claim €20 cashback bonus with the Lendix October referral code AMPLEINVEST when you deposit €5004.5%Business

List of P2P Sign-Up Bonuses and Cashback Offers

Monethera Promo Code

  • Bonus: €5 + 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

Envestio Promo Code

Envestio promo code
  • Offer: Envestio promo code
  • Bonus: €5 free welcome bonus + 0.5% free cashback on all investments made within 270 days of registration
  • Condition: Deposit minimum €100
  • How: Sign up with this partner link and register an account
  • Avg. interest rate: 18.43%
  • Open to: Individuals from any country and companies from EEA member countries or Switzerland

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: €20
  • How: Invite a friend through the refer-a-friend program and receive €20 once he/she completes registration and invests €100 or more
  • Condition: Your friend must invest minimum €100
  • 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)

Kuetzal Promo Code

  • Bonus: Free €15 welcome bonus with the Kuetzal referral code “ampleinvest” + 0.5% extra on all your investments when within 180 days of signing up
  • How: Sign up through this partner link and enter the promo code “ampleinvest” during registration
  • Condition: None

Best P2P Cashback Offers

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. While cashback used to refer only to direct cash rewards from specific investment projects, 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.

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 €3.37 billion in 2017, against €2.06 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.