P2P cashback offers

P2P Lending Cashback Offers

Some of the largest P2P lending sites offer sign up bonuses for new registrations. For some P2P lending platforms these can be accessed directly through a cashback link. Other sites need a referral email to be requested which is directly associated with your name and email address. For the later I’ve made a request form below if you want me to raise the requests for you. You can also see Euro-based P2P Cashback offers here.

PlatformMinimum InvestmentCashbackMinimum Investment PeriodCashback Link & Terms and Conditions
Archover£5,000£75Join via this referral link and pledge £5,000 within 90 days for £75 cashback.
Brickowner£1,000£50NoneInvest £1,000 within 30 days of opening account. Sign up via referral link. Email [email protected] to confirm.
CapitalRise£1,0001% of first investment amount. More details here.
CurrencyFair€2,000€30Single money transferCurrencyFair is a money transfer service, used by some who invest in Euro platforms. Join here & transfer at least €2,000
Funding Secure£1,000£251 monthReferral Link (takes you directly to registration)
Kuflink£500£1006 months+ (from what I've seen)Working Kuflink Refer a Friend Link for £100 OR often 5% via Quidco or TopCashback
Landbay£5,000£5012 monthsWorking cashback link
Lending Works£1000£501 yearReferral Link (takes you directly to registration)
Lendy (formally Saving Stream)£1,000£50Join up via this Referral Link
Mintos€101%30 daysRefer a friend link
Ratesetter£1,000£1001 yearSign up via this refer a friend link (terms & conditions in the link)
WiseAlpha£1,000+£25 - £250Staggered new customer bonus from £25 for £1k up to £250 for £25k. More details via this referral link.
Zopa£2,000£50NoneWorking referral link - but only when they are accepting new investors.


Form to Request Manual Referrals

Note: We'll only use this to request the referral email, then delete it afterwards.

Cashback FAQ’s

Q: I registered before realising there was a cashback offer available… is it too late?

A: That depends. If you’ve not gone through any ID or ‘Know Your Customer’ (KYC) checks it should be OK to just clear your browser cookies and re-register with a new email address. On the other hand if, you’ve verified your identity or made an investment it may not be so easy. If there’s any doubt it’s best to email the customer services of the relevant P2P platform and check with them. If you get it in an email to confirm that you’re eligible for the cashback offer that may make life easier if you need to chase it up 6 months/ 1 year later.

Q: Do I have to pay tax on Cashback offers?

A: This is a complex issue, the most informative piece I could find was Zopa’s guidance, which goes on to source two government documents (links below). What I understand from this is:

I also receive a bonus for most of the referral links above, which goes towards helping to run this site and develop the P2x comparison tool.