Crowdlending (P2P lending) offers returns far above bank deposits — between 6% and 12% annually — by funding loans to individuals or businesses. In return, you assume default risk and there is no capital guarantee. APYData compares the main regulated platforms in Europe with full data transparency: real APY, risk, regulation and liquidity.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
Mintos
|
Mintos — Core Portfolio (EUR) | 10.50% | 4.7 | High | Market hours | View → |
| 2 |
Bondora
|
Bondora — Go & Grow | 6.75% | 3.4 | High | Flexible | View → |
European crowdlending has matured considerably since the excesses of 2019-2021. Surviving platforms have longer track records, better regulation, and more sustainable models. But the fundamental risks have not disappeared — understanding them before investing is essential.
Bondora is an Estonian platform founded in 2009 — one of Europe's oldest P2P lenders. Go&Grow works as a pooled fund: you deposit money, Bondora distributes it across their loan book automatically, and pays you 6.75% annually. Liquidity is near-instant under normal conditions. No loan selection required. Ideal for investors who want a simple entry to crowdlending at above-deposit returns.
Mintos is a Latvian marketplace that aggregates loans from dozens of originators (lending companies) across 30+ countries. Higher yields (8-10.5%) reflect the additional risk of originators: if the company that generated the loan fails, recovering capital can take months. Since 2022, Mintos holds a MiFID II licence, adding regulatory oversight. Mintos Strategies automates diversification across originators.
Crowdlending is a complement, not a foundation. A reasonable allocation for most investors is 5-15% of investable capital — only money you genuinely will not need for at least 2-3 years. It should never replace an emergency fund or savings in guaranteed banking products.
In most EU countries, crowdlending returns are taxed as capital income. Losses from defaults can generally be offset against gains of the same type. Both Bondora and Mintos provide annual tax statements for filing. Withholding tax depends on the platform country and applicable tax treaties — consult a qualified tax advisor.
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