A number of continental European peer to peer lending platforms run cashback promotions for new customers. To qualify for these cashback offers you generally have to sign up via a special referral link or use a promo code on sign up. There’s two elements to most EU platforms bonuses:

• A small completely free bonus on sign up, usually around €5
• A percentage of your average investment balance over the first few months

First written June 2017, last updated Nov 2017 with updated Mintos Refer a Friend code

Click to jump to details below for the following platforms:

1. Bondora
2. EstateGuru
3. Housers
4. Lendix
5. Mintos

Platforms listed in alphabetical order, not preference.

1. Bondora Cashback Offer

The Bondora new customer cashback is €5 for each new customer. Bondora hope that users sign up with this trial capital and learn how to use the platform. I tried this last December and have been receiving a small amount of interest ever since.

Sign up via this referral link* to qualify for the offer.

2. EstateGuru Cashback Offer

New customers who register via this EstateGuru referral link* or using the promo code below will receive 0.5% cashback based on the total amount invested during the first 3 months. EstateGuru clarify that is is ‘the total confirmed investments made into successfully funded projects’.

EstateGuru Referral Code

During the sign up process there is also an option to add a referral code. This may be more secure than just clicking the referral link. My Estate Guru referral code is EGU68055.

3. Housers Cashback

Housers is a Spanish property crowdfunding platform. There is a 25 euro bonus for new customers who join and invest. However, as of February 2017, the bonus can only be used for investments on the Housers platform and cannot be withdrawn. More importantly, the promotion is only available to investors with fiscal residency in Spain.

4. Lendix Cashback

If you join Lendix using this referral link* and credit €500 to your account, then you will receive a €20 bonus.

Lendix Sponsor Code

When you register as a new user on the Lendix website, it asks you for a ‘sponsor code’. Mine is NMCGEE. This is the same as joining up via the referral link above, and qualifies you for the €20 bonus to lend to projects on the Lendix platform.

5. Mintos Cashback Offer

There does not appear to be a referral link for Mintos, instead you have to use a promo code on registration such as the one below (8JOC4R8).

Mintos are running a limited time offer, currently only until the 7th July 2017. You can recieve a bonus of 1% of the average daily invested balance over the first 3 months: 30, 60, and 90 days after the registration date. This bonus is then paid in three instalments. Mintos give the following example on their website:

For example, Daniel refers Sara, who starts investing in loans via Mintos marketplace. After 30 days, the average balance Sara has invested over the period is EUR 3 500. We will credit 1% of EUR 3 500 (EUR 35) to Daniel’s investor account, and another EUR 35 to Sara’s investor account. After 60 and 90 days, we will review the average invested balance again and, if it increases, credit both Daniel’s and Sara’s investor account accordingly.

Mintos Promo Code

When you register for Mintos you’ll be asked to enter your Mintos promo code. Mine is R1YVHX (valid til 30/11/2017). With this code you will be eligible for the new customer bonus.*

Others

Please get in touch with me at [email protected] if you noticed that there are others that I’ve missed out.

Disclaimer

Please note that all of the links marked with a * are referral links. If you sign up via these links I will also get a bonus if you invest. This goes towards continuing to improve P2Pblog.