10 Best P2P Services In Europe – Top Peer-to-Peer Platforms

In this post, I will cover the Best P2P Services in Europe, focusing on the most reliable platforms with secure and profitable peer-to-peer lending opportunities. No matter what your skill level is, knowing these services will help you make better investment choices.

From impressive borrower safeguards to further P2P investment opportunities across Europe’s vigorous lending markets, Europe’s P2P platforms offer numerous opportunities for strategic investing.

Key Points & Best P2P Services In Europe List

Platform	Key Point
Mintos	Largest European P2P platform with diversified loan investments.
Lonvest	Focuses on loans from verified originators, offering higher transparency.
Swaper	Auto-invest options with consistent 12–14% returns on consumer loans.
PeerBerry	Short-term loans backed by large loan originators, low default risk.
KuCoin P2P	Crypto P2P platform with fiat-to-crypto trades, zero fees for users.
Binance P2P	Global crypto trading with multiple fiat options and buyer/seller protections.
Bondora	Offers automated investing through Go & Grow with stable 6.75% returns.
Profitus	Real estate crowdfunding platform regulated in Lithuania.
Hive5	Emerging P2P platform with high-yield consumer and business loans.
Debitum	Business loan platform with due diligence tools and risk ratings.

10 Best P2P Services In Europe

1.Mintos

Considered one of the finest P2P lending platforms in Europe, Mintos stands out for its investment opportunities as it allows loans from numerous originators across the globe.

With its more than 500,000 investors and billions funded, Mintos provides consumer, business, and car loans, offering 10% or more in annually.

Investors are benefitted with auto-invest, risk scoring, and buyback guarantees on most loans. Regulated under the EU’s investment laws and providing a straightforward platform, Mintos is a market frontrunner for both novel and seasoned investors interested in passive income.

Feature	Description
Loan Diversity	Consumer, business, car, and agricultural loans.
Buyback Guarantee	On many loans, protects investors if borrower defaults.
Auto-Invest	Customizable automatic investment tool.
Risk Scoring	Loan originators rated for risk transparency.
Secondary Market	Enables selling loans before maturity.
Minimum Investment	Starting as low as €10.

2.Lonvest

Lonvest is a new P2P lending platform established in Croatia in 2023. The platform provides investors across Europe the opportunity to fund short-term consumer loans. In addition, it has an average annual interest return of ~12.5% with a minimum investment threshold of €10.

All loans on the platform come with a buyback guarantee which means that every loan can be repurchased by the loan originator, along with accrued interest, if the borrower has not made any repayments after 60 days.

In addition, the loans come with a group guarantee funded by sister companies, which adds an additional level of security whereby if one loan originator goes bankrupt, other companies from within the group will cover the debt.

The platform is not currently regulated by any governing body, but it is planning on some regulation in the future. It’s easy to use and has an impressive track record of transparency and relevant information for prospective investors which is a huge bonus for those willing to invest in European P2P lending.

Feature	Description
Short-Term Loans	Focus on short-term consumer loans.
Buyback Guarantee	60-day buyback on late payments.
Group Guarantee	Protection from other group companies if originator defaults.
Minimum Investment	€10 minimum investment.
Transparency	Detailed loan originator info.
User-Friendly Interface	Easy-to-use platform with auto-invest.

3.Swaper

Established in 2016 and headquartered in Estonia, Swaper is a peer-to-peer (P2P) lending platforms specializing in short-term consumer loans. Any willing to provide capital with interest 18% annually and a loyalty bonus of 2% for exceeding 5000 euros brings potential returns up to 16% .

The platform works rather exclusively with Wandoo Finance Group, the sole loan originator who issues loans in Poland, Spain, Romania, etc. All loans have a 60-day buyback guarantee which states that if the borrower is more than 60 days late on payment, the loan is bought back along with interest.

A low minimum investment of 10 euros, no associated fees and a user friendly interface with features like auto invest and a secondary market makes Swaper easy to use. This makes the eurpean P2P lending market attractive for both novice and seasoned investors looking for high yield opportunities.

Feature	Description
High Returns	Up to 14%+ annual interest.
Single Loan Originator	Partnered mainly with Wandoo Finance Group.
Buyback Guarantee	60-day buyback policy.
Auto-Invest	Available for easy portfolio management.
Minimum Investment	Starts from €10.
Secondary Market	Available for loan selling.

4.PeerBerry

A successful lending platform in Europe is PeerBerry which started in 2017 and launched by the Aventus Group. With average yearly returns of about 11.14%, it provides investors with a wide array of loans to choose from including, short-term consumer loans, leasing, real estate, and business loans.

To get started, investors only need a minimum investment of €10. Furthermore, the platform has features such as auto-invest and a mobile app which enables one to manage their investments seamlessly.

All loans have a 60-day buyback guarantee and loan from the Gofingo Groups are backed by a group guarantee thereby offering an additional level of security. Even though PeerBerry is not regulated, it continues to have a solid reputation as a trustworthy platform with no losses in capital.

Feature	Description
Loan Variety	Consumer, business, leasing, and real estate loans.
Buyback Guarantee	60-day buyback on all loans.
Group Guarantee	Additional protection from loan originator groups.
Auto-Invest	Automated investing tool.
Minimum Investment	€10 minimum.
Mobile App	Investment management on-the-go.

5.KuCoin P2P

KuCoin P2P is among the most advanced platforms in Europe for peer-to-peer crypto trades since it has no interferences during the transaction and allows for flexible and safe trades. It offers low fees, supports various fiat currencies, and has numerous payment options.

Using puIfescrow, KuCoin P2P enables safe transactions making it easy for buyers and sellers. It’s easy to access globally with strong security which make it top tier in crypto transactions in 2025.

Feature	Description
Multi-Crypto Support	BTC, ETH, USDT, KCS, USDC, and more.
Wide Fiat Options	Supports over 30 fiat currencies.
Escrow Service	Ensures safe trading by holding funds in escrow.
Zero Fees	No trading fees for users.
100+ Payment Methods	Includes bank transfer, PayPal, digital wallets.
User-Friendly Platform	Easy for beginners and experienced traders.

6.Binance P2P

In Europe, Binance P2P provides an easy-to-navigate and reliable service for peer-to-peer cryptocurrency trading. Users receive support for over 100 fiat currencies, like EUR, as well as more than 800 payment options ranging from bank transfers to digital wallets.

Binance has an excellent escrow system that guarantees the safety of funds until both parties validate a deal, greatly minimizing the risk of fraud. Additionally, Binance P2P offers 0 trading fees, which are extra costs that users do not have to worry about during trading.

Due to the range of payment options, robust security, and low fees, Binance P2P is one of the most sought after trading platforms in Europe.

Feature	Description
Extensive Fiat Support	Over 100 fiat currencies supported.
Multiple Payment Methods	Over 800 payment options including bank transfers.
Secure Escrow	Protects both buyer and seller funds during trade.
Zero Trading Fees	No fees charged on P2P trades.
Large Crypto Variety	Bitcoin, Ethereum, USDT, and many other cryptocurrencies.
Global User Base	Widely used platform with strong liquidity.

7.Bondora

Set up in 2008 in Estonia, Bondora has simplified the P2P lending industry with its Go & Grow product. Starting with an investment as low as €1, users on the platform can earn interest of up to 6.75% annually, calculated daily, with zero management fees.

Investors have 24/7 liquidity, enabling them to withdraw funds at any given hour for a nominal fee of €1. As a supervised entity by the Estonian Financial Supervision Authority, Bondora has positioned itself as one of the more trusted platforms in Europe for passive investors looking for effortless investment solutions.

Feature	Description
Go & Grow Product	Simple, fixed return investment option.
Low Minimum Investment	Starting at €1.
Daily Interest	Interest accrues daily for flexibility.
Liquidity	24/7 access to funds with a small withdrawal fee.
Regulated Platform	Supervised by Estonian Financial Authority.
Transparent Reporting	Detailed performance and loan data available.

8.Profitus

Profitus is a business located in Lithuania that offers crowdfunded real estate investment opportunities, backed by mortgages and with expected annual returns of around 10%.

Investors can get started with as little as €100, and Profitus offers competitive terms as all loans are secured by first-priority mortgages, which have an average LTV of 65%.

The company holds an ECSP license, and is regulated by the Bank of Lithuania which makes sure they operate within the EU framework.

Profitus has a secondary market for loan selling and buying, whereby sellers incur a 2% fee, and users can set up automated investment strategies through an auto-invest feature.

Although the platform is trusted, it is important to understand that there is a 15% withholding tax on interest income, but this can be reduced to 10% for non-Lithuanian residents filling out the DAS-1 form. All in all, for investors wanting to take advantage of the Baltic regions, Profitus provides a valid suggestion for exposure to property-backed investments.

Feature	Description
Real Estate Focus	Mortgage-backed business loans.
Regulated	Licensed by Bank of Lithuania under ECSP regulations.
Loan Security	First-ranking mortgages with average 65% LTV.
Secondary Market	Allows loan trading with a 2% seller fee.
Minimum Investment	€100 minimum investment.
Auto-Invest	Enables automated investing strategies.

9.Hive5

Founded in 2022, Hive5 is a Croatia-based peer to peer lending platform that specializes in short term loans with a maximum annual return of 16%. Additionally, the platform ensures the protection of investors by providing a 60-day buyback guarantee on all loans.

Investors can start from as low as €10 and make use of features such as auto-invest, setting up a stream of passive income. Hive5 does come with risks though, as it is unregulated, has no secondary market, and a small number of loan originators.

In spite of these negatives, Hive5 has a positive Trustpilot rating of 4.5/5 which suggests that they are rapidly growing in the European P2P lending market.

Feature	Description
High Returns	Up to 16% annual interest.
Buyback Guarantee	60-day buyback policy.
Minimum Investment	Starts at €10.
Auto-Invest	Available for automatic investing.
Unregulated	No official financial regulation yet.
Limited Loan Originators	Fewer originators compared to other platforms.

10.Debitum

Debitum Investments is a Latvian regulated peer-to-business (P2B) lending platform that offers investment opportunities to small and medium-sized enterprises (SMEs) looking for financing.

Founded in 2018, it provides asset-backed business loans with an average return of about 14.83% per annum. Investors are required to make a starting investment of €10.

The platform guarantees a 90-day buyback option for most loans and is under the regulation of MiFID II by the Latvia Financial Supervisory Authority. For effortless investing, Debitum also offers an auto-invest option.

Although the platform has encountered some hurdles, such as non-performing loans in Ukraine, it has a reliable reputation in protecting investors and keeping operations transparent.

Feature	Description
P2B Lending	Focus on small and medium enterprise loans.
Regulated	Licensed under MiFID II by Latvian Financial Authority.
Buyback Guarantee	90-day buyback on most loans.
Minimum Investment	Starts at €10.
Auto-Invest	Automatic portfolio management available.
Asset-Backed Loans	Loans secured with business assets for risk mitigation.

Conclusion

To sum up, the top P2P services in Europe have a lot to offer. They provide access to many types of investments, robust protection mechanisms for borrowers including buyback guarantees, easy-to-use interfaces, as well as auto-invest and secondary markets.

Whether it’s real estate, consumer loans, or crypto trading, platforms like Mintos, PeerBerry, Bondora, or even Binance P2P are well-suited for novice and expert investors alike, providing reliable, regulated, and high-yield opportunities.

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