Four rewards, and they combine
Most platforms run one welcome offer and forbid stacking it with anything else - Mintos states plainly that its campaign bonus does not combine with refer-a-friend. Maclear runs four mechanisms and lets them add up:
| Reward | What it pays | What triggers it |
|---|---|---|
| Welcome bonus | EUR 15 | First investment within 7 days of registration |
| Investment reward | EUR 30 per EUR 500 | Cumulative amount invested - EUR 500, EUR 1,000, EUR 1,500 and so on |
| Referral (3+3) | 3% to each side | The invited investor's investments over 90 days - referrer must be a Swiss resident |
| Loyalty bonus | +1.5% to +3% on the rate | Active invested volume, applied to future investments |
The investment reward is the part that does the heavy lifting, because it repeats. It is not a one-off threshold bonus - every EUR 500 of cumulative investment triggers another EUR 30. A EUR 1,000 portfolio earns it twice, a EUR 3,000 portfolio six times. Combined with the EUR 15 welcome bonus, that is roughly EUR 75 on EUR 1,000 and EUR 195 on EUR 3,000 - the largest payout of any platform on our bonus comparison page, before the loyalty uplift is counted at all.
How to qualify, step by step
Register through the affiliate link and verify
Maclear runs automated KYC - photo ID and a selfie - usually cleared within minutes during European business hours, as Swiss AML rules require for every investor. Registering through the link on this page is what tags the account for the affiliate relationship we disclose; the bonus terms themselves come from the platform.
Make your first investment within seven days
This is the tightest deadline in our whole comparison, and it is the condition most likely to cost someone the EUR 15. The clock runs from registration, so leave time for verification and for a SEPA transfer to land - starting the process on day five is cutting it fine.
Build towards the EUR 500 thresholds deliberately
The EUR 30 investment reward triggers at every EUR 500 of cumulative investment. Stopping at EUR 900 leaves EUR 30 on the table for the sake of EUR 100 - worth checking your cumulative figure against the next threshold before you decide you are done.
Keep the money working for the loyalty uplift
The +1.5 to +3 point loyalty bonus is scaled by active invested volume and applies to future investments, so it rewards reinvesting repayments rather than letting them accumulate as cash. Over a two-year horizon it is worth more than all the cash bonuses combined.
Claim the Maclear bonus stack
EUR 15 for your first investment within seven days, then EUR 30 for every EUR 500 you put to work - around EUR 75 on a EUR 1,000 portfolio.
The largest welcome payout in our comparison
Open a Maclear accountCapital at risk. Affiliate link - see how we earn. Bonus terms apply and can change.
The referral catch: Swiss residents only
The 3+3 referral is the most generous percentage arrangement we found - 3 per cent of the invited investor's 90-day investments to each side, where Crowdpear pays a flat EUR 20 and Robocash caps at EUR 10. On a friend investing EUR 5,000 that is EUR 150 each.
The restriction is significant: referrers must be resident in Switzerland. For the majority of European investors reading this page, the referral programme is therefore not available as a way to earn - though if a Swiss-resident investor invites you, your own 3 per cent side of the arrangement still applies. It is an unusual geographic limitation and appears to follow from how the platform structures the payment under Swiss rules rather than from the terms of the investment itself.
The loyalty bonus
Maclear adds 1.5 to 3 percentage points to the interest rate on future investments, scaled by your active invested volume. Unlike the welcome and investment rewards, this one does not pay out as cash - it lifts the yield on everything you fund from that point forward, and it does not expire while the volume is maintained.
On a platform already delivering 14.5 to 14.9 per cent realised, a further three points is the most valuable single element of the package for anyone holding a position long term - worth considerably more over two years than the EUR 75 of cash bonuses that got them there. It also runs deeper than the ladders at Crowdpear (+0.5 to +1 per cent) or Hive5 (+0.5 to +1 per cent), which are the only comparable published programmes in our list.
What the stack is worth
| You invest | Welcome | Investment rewards | Cash total |
|---|---|---|---|
| EUR 500 | EUR 15 | EUR 30 | EUR 45 |
| EUR 1,000 | EUR 15 | EUR 60 | EUR 75 |
| EUR 3,000 | EUR 15 | EUR 180 | EUR 195 |
For comparison on the same EUR 1,000: Indemo pays about EUR 40, Hive5 about EUR 20, Robocash and Nectaro about EUR 10 each, and Mintos between nothing and EUR 25. The loyalty uplift then applies on top of Maclear's figure and on top of nothing at Mintos, Indemo, Nectaro or Lendermarket, none of which run one.
Conditions worth reading twice
- Seven days for the welcome bonus. The first investment - not the deposit - has to happen inside that window.
- Investment rewards are cumulative, so they accrue across multiple deposits rather than requiring EUR 500 in one transfer.
- The 3+3 referral requires the referrer to be a Swiss resident. Most European investors cannot earn on this side of the programme.
- The loyalty uplift applies to future investments, not retroactively to positions you already hold.
- Bonus funds are meant to be invested. Withdrawing before the associated investments complete can forfeit the reward - read the platform's live bonus policy, which is the binding version of everything on this page.
- Terms change. Amounts and windows here were verified in August 2026 against Maclear's FAQ and invite-friends pages; confirm the current version when you register.
Why we rate the platform 4.8
The bonus stack is not why Maclear is our Top pick, and it is worth separating the two clearly - particularly because this is a page about the platform that pays us.
Maclear scores 4.8 stars, the highest on the site, on five checks applied identically to all 20 platforms we cover:
- Investor protection: a Swiss SRO licence for anti-money-laundering supervision - not a deposit guarantee, and we do not present it as one - plus a single default in its history that was covered in full from the company's own funds.
- Delivery track record: realised returns of 14.5 to 14.9 per cent across 2024 and 2025 with no investor capital loss to date.
- Honest yields: advertised rates and realised returns have tracked within roughly 0.4 percentage points - the tightest gap in our list, and a rarer achievement than it sounds.
- Transparency: disclosed Zurich-based ownership, quarterly investor reporting, public loan documentation.
- Exit options: no lock-ups on factoring and SME loans, typically 3 to 6-month terms; real-estate loans run 12 to 24 months with no secondary market, so plan those as held to maturity.
The counterweights are real and belong on this page too: Maclear is outside the EU regulatory perimeter, so neither ECSP nor MiFID II applies and there is no EU investor compensation scheme; it has operated since 2022, a shorter history than Mintos or PeerBerry; and the absence of a secondary market on property loans means committed capital stays committed.
Should the bonus decide it?
No - and EUR 75 on EUR 1,000 is exactly the size where that advice matters, because it is large enough to be tempting. The right order is the one we recommend everywhere on this site: pick the platform on the five checks, then take whatever bonus it happens to pay. If Maclear fits your risk appetite, the stack is a genuine advantage over the alternatives. If the non-EU regulatory position does not suit you, EUR 75 is not the argument that should change your mind.
Read the full Maclear review for the detail behind each check, Maclear vs Mintos for the head-to-head against Europe's largest marketplace, and the bonus comparison for where this stack sits against every other offer we track.
Claim the Maclear bonus stack
EUR 15 for your first investment within seven days, then EUR 30 for every EUR 500 you put to work - around EUR 75 on a EUR 1,000 portfolio.
The largest welcome payout in our comparison
Open a Maclear accountCapital at risk. Affiliate link - see how we earn. Bonus terms apply and can change.