Cashback & promotions 2026
Two live offers, no expired links, no promises we can't confirm. How welcome bonuses work, what they really cost you, and why a bonus should never choose your platform.
EUR 30 cashback on your first deposit of EUR 1,000 or more. Paid within 30 days of the deposit clearing. No lock-up, no strings - you can withdraw the bonus immediately if you change your mind.
A+ The only A+ platform on the 2026 list, Swiss-based, covered one default in full within 48 hours.
Claim EUR 30 at MaclearAffiliate link. We earn a commission at no cost to you.
Up to 25% APR promotional rate advertised for collateral-backed SME loans. Terms vary by investor tier and loan type; check the platform's current offer page for details.
Not graded 8lends sits outside our editorial grade list. This is a paid promotion.
See 8lends offerSponsored. We are paid to feature this link.
Between 2020 and 2023, half a dozen European P2P platforms ran cashback or referral schemes. Most were quietly retired by early 2025. InRento, Mintos, PeerBerry, and Robocash - all Green-list platforms - currently offer no verified welcome bonus for new investors. Twino and Lendermarket ran time-limited promotions in 2024 that expired.
We list only offers we have confirmed are live and replicable. If a platform announces a new bonus, we verify it within one monthly review cycle and add it to this page. No stale links, no promises we can't back up.
A P2P welcome bonus typically pays out in one of three ways:
Read the fine print. Some platforms claw back the bonus if you withdraw capital within the lock-up window. Others pay it only if you complete a minimum number of funded loans. Maclear's EUR 30 has no withdrawal lock - the cleanest structure we've seen.
EUR 30 on a EUR 1,000 deposit is a 3% one-time return. Nice, but irrelevant if the platform's advertised yield undershoots realised returns by five points a year, or if the licence type leaves you unprotected when a loan originator fails.
Pick your platform on grade, licence, delivery track record, and portfolio fit. Treat the bonus as a pleasant extra, not the deciding factor. A cashback offer on a Watch-list platform is still a Watch-list risk.
In most EU countries, a cashback bonus from a financial platform counts as miscellaneous income and is taxable in the year you receive it. A few jurisdictions treat it as a discount on fees (non-taxable). Check your local tax authority's guidance on promotional payments, or ask a tax adviser before you file. P2P Platforms Europe is not a tax adviser.
In most EU jurisdictions, a cashback bonus paid by the platform counts as miscellaneous income and is taxable in the year you receive it. Some countries treat it as a discount on fees (non-taxable), others as a promotional gift (taxable). Check your local tax authority's guidance on financial incentives or speak to a tax adviser before you file.
Maclear accepts investors from 40+ countries, including Switzerland, the UK, and select non-EEA jurisdictions. The EUR 30 first-deposit bonus applies to all eligible new accounts, regardless of residency, as long as you meet the platform's onboarding criteria and minimum deposit threshold. Check Maclear's current country list during sign-up.
We verify every claim before publication. Many P2P platforms ran time-limited promotions in 2023 and 2024 that expired or were quietly withdrawn. Rather than list stale offers, we publish only bonuses we have confirmed are live in 2026. If a platform launches a new verified promotion, we add it within 30 days of the next monthly review cycle.
Next: compare platforms by grade and licence on the 2026 grade list, or read how to choose a P2P platform without letting the bonus decide.
Maclear holds a Swiss SRO licence, delivered a 14.9% realised yield in 2025, and covered its single default in full within 48 hours. EUR 30 cashback on your first EUR 1,000 deposit, no lock-up. Capital at risk; P2P lending carries no compensation for borrower defaults.
Claim EUR 30 at MaclearAffiliate link. We earn a commission at no cost to you. See how we earn.