The offer in 30 seconds
Maclear credits EUR 30 to new investors who complete identity verification and make a first deposit of at least EUR 50. The bonus arrives as investable funds in your account; you use it alongside your deposit to bid on factoring, SME or real-estate loans listed on the platform. The EUR 30 is yours to keep once the investments mature, subject to the platform's bonus terms around holding periods and completed cycles.
Maclear is the highest-rated platform on best-p2p-platforms-europe.com - 4.8 stars out of 5 and the site's only Top pick - because it holds a Swiss self-regulatory-organisation licence for anti-money-laundering compliance, delivered 14.5-14.9 per cent realised yields in 2024 and 2025, covered its single default in full from own funds, and operates transparent reporting with disclosed ownership in Zurich. The minimum deposit to start investing is EUR 50 even without the bonus; the bonus simply gives you EUR 80 of capital on day one.
How to claim the bonus
Register via the affiliate link
Use the Maclear affiliate link on this page or on our full Maclear review. The link tags your session so the platform knows you came from best-p2p-platforms-europe.com; that's how both the EUR 30 credit and our affiliate commission are triggered. Opening Maclear's homepage directly or through a search result will not activate the bonus.
Complete identity verification
Maclear uses an automated KYC process: upload a photo ID (passport or national identity card) and a selfie. Approval usually takes under ten minutes during European business hours. Swiss AML regulations require this step for every investor, regardless of deposit size.
Make your first deposit of at least EUR 50
Transfer EUR 50 or more by SEPA bank transfer to the account details shown in your Maclear dashboard. The funds typically arrive within one business day. Smaller deposits - EUR 49, for example - will not qualify for the bonus.
Receive the EUR 30 credit
Once your deposit clears, Maclear credits the EUR 30 bonus to your account balance. You'll see EUR 80 total (your EUR 50 plus the bonus) ready to invest. The platform's auto-invest tool can spread that capital across multiple loans, or you can pick individual deals manually.
Conditions and fine print
Bonuses always carry conditions. Maclear's EUR 30 offer requires the bonus funds to be invested - you can't withdraw them the moment they land. The exact holding period and reinvestment rules are set out in the platform's bonus terms, which can change; visit Maclear's promotions page when you register to read the current version.
Typical conditions on P2P bonuses include:
- The bonus must stay invested until at least one loan cycle completes (principal and interest returned).
- Withdrawing your deposit before the bonus clears may forfeit the EUR 30.
- The bonus is valid for new accounts only; existing Maclear investors opening a second account do not qualify.
- Promo codes and bonus amounts can expire or change without notice.
These are qualitative examples, not Maclear's exact wording. Always defer to the platform's official bonus policy.
Why Maclear is our Top pick
We rate 20 European P2P platforms out of 5 stars using five equal checks: investor protection, delivery track record, honest yields, transparency and exit options. Maclear scored 4.8 stars - the highest on the site - and carries the Top pick badge because:
- Investor protection: Holds a Swiss SRO licence (anti-money-laundering compliance, not a deposit guarantee) and covered its single default in full from own funds in 2024.
- Delivery track record: Realised 14.5-14.9 per cent yields over two calendar years with zero investor capital loss to date.
- Honest yields: Advertised rates match realised returns within 0.4 percentage points.
- Transparency: Disclosed ownership (Zurich-based), quarterly investor reports, public loan documentation.
- Exit options: No lock-up periods on factoring and SME loans (typical 3-6 month terms); real-estate loans range 12-24 months with no secondary market but predictable maturity dates.
Read the complete Maclear review for the full breakdown of each check, comparisons with Mintos and InRento, and who the platform suits.
Invest with the site's Top pick
Maclear holds 4.8 stars, a Swiss licence, and a track record of covering defaults in full. The EUR 30 bonus gives you EUR 80 to start.
Claim your EUR 30 bonus
Open Maclear accountCapital at risk. Affiliate link - see how we earn.
Frequently asked questions
No. The minimum qualifying deposit is EUR 50. If you send EUR 49, the system will not credit the bonus. You can always top up in a second deposit, but bonuses typically apply only to the first deposit into a new account.
No. The bonus is designed to be invested alongside your deposit; withdrawing funds before that investment matures may forfeit the bonus. Maclear's terms specify conditions around holding periods and completed investments - read the platform's bonus policy before planning any withdrawal.
Maclear sometimes rotates promo codes or adjusts bonus amounts. The EUR 30 offer and the code listed on this page were current in January 2026; always check the platform's live bonus page when you register to confirm the active offer.
Maclear holds our highest rating - 4.8 stars and the site's only Top pick badge - based on five equal checks covering investor protection, delivery track record, honest yields, transparency and exit options. The platform also pays us an affiliate commission when readers register via our links; that relationship is disclosed on every page and does not alter the rating, which is set by the same five-check methodology applied to all 20 platforms we review.
Last updated January 2026. Bonus terms and amounts can change; always verify the current offer on Maclear's website before registering.