The verified offers
We list only the P2P bonuses we have verified ourselves or that the platform has disclosed in writing. Offers change; we update this page monthly.
Maclear - EUR 30 first-deposit bonus
Maclear holds a Swiss SRO licence for anti-money-laundering supervision and has delivered a 14.5-14.9 per cent annualised return since 2022 with zero unreimbursed defaults. The platform pays a EUR 30 welcome bonus to new investors who deposit at least EUR 50 and keep an active portfolio for 30 consecutive days. The bonus clears into your account on day 31 and can be withdrawn or reinvested. One bonus per investor; the offer runs through our affiliate link.
Claim the EUR 30 Maclear bonus
Deposit EUR 50, stay invested 30 days, receive EUR 30 cash.
Open Maclear account - EUR 30 bonusCapital at risk. Affiliate link - see how we earn. Bonus terms apply.
Why Maclear carries the bonus: it is our only Top pick platform, rated 4.8 out of 5 stars, and the EUR 30 gift does not change the fact that it scored highest on investor protection, delivery track record and honest yield reporting. If you were already choosing Maclear, the bonus is a welcome extra. If you were not, the bonus alone should not override a platform mismatch. Read the full Maclear review or compare it against Mintos before you deposit.
8lends - collateral-backed promo (Sponsored)
Sponsored: 8lends is a collateral-backed SME lending platform that sits outside our rated list and appears on the site under a paid sponsorship agreement. The platform occasionally runs welcome offers tied to first loans funded; terms and amounts vary by quarter. Check the 8lends page for the current promo structure. Every mention of 8lends on best-p2p-platforms-europe.com carries the Sponsored label because we earn a flat fee for traffic, not a performance commission.
Visit 8lends - up to 25% APR (Sponsored)How P2P bonuses work
A P2P bonus is typically a cashback payment credited to your account after you meet a minimum deposit threshold and hold an active investment for a set number of days - usually 30 to 90. The bonus clears as cash you can withdraw or reinvest. Platforms pay bonuses to lower their customer-acquisition cost compared to paid search or display advertising; a EUR 30 gift costs them less than acquiring you through a Google ad at EUR 15 per click across three visits.
Bonuses always come with terms: minimum deposit, minimum holding period, one per household, sometimes a maximum withdrawal speed. Maclear's EUR 30 requires EUR 50 deposited and 30 days of portfolio activity. If you withdraw on day 29, you forfeit the bonus. If you stay to day 31, it clears and you can take everything out day 32. The holding-period rule prevents pure bonus hunting - signing up, grabbing cash, leaving.
Why a bonus should never pick your platform
A EUR 30 bonus on a EUR 1,000 deposit adds 3 per cent to your first-year return if you withdraw after the minimum period. A platform that delivers 11 per cent with strong protection beats a platform that delivers 14.5 per cent with a regulatory question mark, even if the second one pays EUR 50 upfront. The bonus is a one-time event; your yield, the licence and the recovery process apply to every euro you leave in for every month you stay.
Use the bonus as a tiebreaker between two equals, not as the reason to pick a platform rated 2.3 stars over one rated 4.5. Check the 2026 star ratings, read the platform comparison table, and treat the welcome offer as a pleasant extra rather than the decision input.
Bonus taxation in brief
Most EU tax authorities treat P2P bonuses as miscellaneous income in the year you receive them. If your platform reports gross bonuses to the tax office or you declare your P2P returns in a tax filing, include the bonus at its EUR value on the day it cleared. A EUR 30 bonus received in January 2026 is EUR 30 of taxable income that year, even if you withdraw nothing. The 30-day holding requirement does not defer the tax event - the bonus is income the moment it hits your account. Check your country's P2P tax guide or ask a local adviser; treatment varies by jurisdiction.
Other platforms
Platforms occasionally launch limited-time bonuses or referral schemes. We list verified offers here when we confirm them; otherwise, check the individual platform review for any current promotion. If a review mentions no bonus, the platform has not run one recently or has not disclosed terms publicly. The absence of a P2P welcome offer does not signal trouble - Mintos, InRento and Capitalia all score 4.2 stars or higher without ongoing cashback schemes.