Compare Fixed Income Platforms in Europe

Find the best P2P lending and fixed income investment platforms. Data-driven comparisons, honest reviews, and up-to-date statistics - updated monthly.

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7+
Platforms Reviewed
9–13%
Avg. Annual Returns
€10
Min. Investment
Monthly
Data Updates

Top Fixed Income Platforms 2026

Ranked by our editorial team. Data last updated September 2026.

Robocash
4.1 ★★★★☆
Return9.30%
Investors42,700+
AUM€64.9M
Minimum€10
Launched2017
✓ Auto-invest
✓ 30-day buyback guarantee
✓ UnaFinancial group guarantee
✗ Unregulated (Croatia)
UnaFinancial Group backed · 42,700+ investors · Since 2017
Visit Robocash ↗ Full Review
Viainvest
4.0 ★★★★☆
Return11.5%
Investors37,000+
AUM€60.7M
Minimum€50
Launched2016
✓ Auto-invest
✓ Buyback guarantee (60-day)
✓ IBF License (MiFID II)
✓ Platform profitable (2025)
✗ No secondary market
1% Cashback Bonus
MiFID II regulated · Bank of Latvia supervised · 60-day buyback
Visit Viainvest ↗ Full Review
Bondora Go & Grow
3.9 ★★★★☆
Return6.0%
Investors500,000+
AUM€786.1M
Minimum€1
Launched2008
✓ Fully automated
✓ Daily compounding
✓ Instant liquidity
✗ Not MiFID II regulated
€5 Welcome Bonus
Industry-original liquidity product since 2018 · 500,000+ investors
Visit Bondora ↗ Full Review
Nectaro
3.8 ★★★★☆
Return12.85%
Investors14,200+
AUM€27.6M
Minimum€50
Launched2022
✓ Auto-invest
✓ Buyback guarantee
✓ IBF License (MiFID II)
✓ 0% loss rate
✗ Platform not profitable (2025)
✗ No secondary market
1% Cashback Bonus
MiFID II regulated · Highest returns in the segment · 12.85% avg
Visit Nectaro ↗ Full Review
TWINO
3.7 ★★★★☆
Return11.93%
Investors22,400+
AUM€38.8M
Minimum€1
Launched2015
✓ Auto-invest
✓ Secondary market
✓ IBF License (MiFID II)
✓ Loan & real estate securities
✓ Profitable 2025
✓ TWINO FLEXI (daily access, 6% p.a.)
Join 22,400+ EU investors · €1.17B+ funded since 2015
Visit TWINO ↗ Full Review
Lande
4.0 ★★★★☆
Return11.20%
Investors10,550+
AUM€34.6M
Minimum€50
Launched2019
✓ Auto-invest
✓ Secondary market
✓ EU Licensed (ECSP)
✓ Collateral-backed (40% LTV)
✓ Profitable 2025 + EIF partnership
✗ No buyback guarantee
1% Cashback Bonus
Join 10,550+ EU investors · €46.9M+ funded across 4 markets
Visit Lande ↗ Full Review
Esketit
3.5 ★★★½☆
Return11.86%
Investors30,500+
AUM€50.0M
Minimum€10
Launched2020
✓ Auto-invest
✓ Secondary market (fee-free)
✗ Unregulated (Croatia)
- Profitability: N/A
1% Cashback Bonus
Free secondary market · 30,500+ investors · Since 2020
Visit Esketit ↗ Full Review
Monefit SmartSaver
3.4 ★★★☆☆
Return9.96%
Investors26,000+
AUM—
Minimum€10
Launched2018
✓ Daily returns
✓ Instant withdrawals
✓ Vaults for higher rates
✗ Unregulated (Estonia)
0.25% Welcome Bonus
Creditstar Group backed · 26,000+ investors · Daily-access product
Visit Monefit ↗ Full Review

Quick Comparison

Side-by-side overview of all platforms. View full comparison →

Platform Return Min. Invest AUM Regulated Secondary Market Buyback Founded
Mintos 10.27% €50 €686.2M IBF License (MiFID II) ✓ ✓ 2015 Visit ↗
PeerBerry 9.00% €10 €144.3M No ✓ ✓ 2017 Visit ↗
Debitum Investments 12.77% €10 €69.4M IBF License (MiFID II) ✗ ✓ 2019 Visit ↗
Nectaro 12.85% €50 €27.6M IBF License (MiFID II) ✗ ✓ 2022 Visit ↗
Viainvest 11.5% €50 €60.7M IBF License (MiFID II) ✗ ✓ 2016 Visit ↗
Lande 11.20% €50 €34.6M ECSP ✓ ✗ 2019 Visit ↗
Esketit 11.86% €10 €50.0M No ✓ (free) ✗ 2020 Visit ↗
TWINO 11.93% €1 €38.8M IBF License (MiFID II) ✓ ✗ 2015 Visit ↗
Bondora Go & Grow 6.0% €1 — Estonian FSA ✗ ✗ 2008 Visit ↗
Robocash 9.30% €10 €64.9M No ✗ ✓ (30-day) 2017 Visit ↗
Monefit SmartSaver 9.96% €10 — No ✗ ✗ 2018 Visit ↗

Platform Comparisons

Head-to-head comparisons to help you choose the right platform.

Mintos vs Nectaro → Mintos vs PeerBerry → Mintos vs Viainvest → Debitum Investments vs PeerBerry → Debitum Investments vs Nectaro → Debitum Investments vs Lande → Lande vs Nectaro → Nectaro vs Viainvest → Mintos vs Bondora → Mintos vs TWINO → PeerBerry vs Robocash → Bondora vs Monefit → TWINO vs Viainvest →