Online trading platforms

At the online broker DEGIRO, you can personally invest worldwide in stocks, bonds, funds, ETFs, options, and futures. DEGIRO is the market leader in the Netherlands and is known for its low fees and high user convenience. Note that investing can result in the loss of your capital.

• used by 3.5+ million investors
• low costs (low spreads)
• assets under custody: 95+ billion euros
• trade on 50+ global exchanges
• 5-star award winner (Financial Times)

Platform for experienced traders familiar with the trading and risks of turbos, CFDs, barriers, forex and derivatives. Please note that these are complex instruments and, due to the leverage effect, bring a high risk of rapidly mounting losses. 75% of investors suffer losses on these trades.

Popular European crypto platform with a wide selection of cryptocurrencies, including bitcoin, ethereum and solana. In addition to crypto, investors can also access popular stocks, ETFs and commodities such as gold and silver through a single account.

• beginner-friendly platform
• 600+ cryptocurrencies
• supports multiple European languages
• optional: stocks, commodities and ETFs
• recurring investment plans
• MiCAR-licensed in Austria

If you want to trade and invest all by yourself eToro is currently Europe’s online brokerage champion. You can trade in stocks, commodities, crypto and other currencies. Templates allow you to invest directly in a variety of sectors. Don’t invest unless you’re prepared to lose the money you invest.

• beginner-friendly platform
• you can copy other traders
• 24/5-trading (S&P 500 & Nasdaq 100)
• premade investment strategies
• zero commission on ETFs
• over 40 million users worldwide

Offers various investment options for passive investors. European market leader in P2P lending with an average return of 11.3% on Core Loans. Also offers bonds, ETFs, real estate, and up to 2.25% via Smart Cash (available for instant withdrawal). Temporary a special welcome bonus for new investors.

• The editorial team's preferred platform
• 11+ billion euros funded since its launch in 2015
• European market leader in P2P lending
• 50+ loan originators from 25 countries
• Wide selection of corporate bonds
• MiFID II license

Debitum is a rapidly growing Latvian p2p lending platform. It allows you to invest in financing for small businesses. With the auto invest function, you can easily spread your investments across multiple loans. The annual return often exceeds 10 percent. Regulated under a MiFID II license.

• high returns (10%+)
• powerful Auto Invest features
• frequent cashback promotions
• MiFID II license

With over 3 billion euros in invested capital, PeerBerry, founded in 2017, is one of the largest P2P platforms in Europe. It mainly offers short-term consumer loans, with Poland, Kazakhstan, and Ukraine as the top three markets. Average interest rate is around 10 percent.

• often short-term loans
• focus on Eastern Europe
• stable, high returns
• over 3 billion euros funded

The P2P platform Esketit was launched in 2020, and is based in Zagreb (Croatia) sinds 2025. With the Auto Invest feature you invest in consumer and business loans. The platform reports an average annual return of 10 to 10.5 percent. In 2025 AvaFin stopped offering its own loans through Esketit.

• both business and consumer loans
• early withdrawal (under conditions)
• minimum investment: 10 euros
• over 25,000 investors
• part of AvaFin
• no ECSP-license!

Robocash is a p2p lending platform from Croatia. Investing on the website is fully automated according to your preferences. In 2021, Robocash had funded over 300 million euros in loans. The average annual interest is around 11 percent. Most loans are very short-term, lasting up to 60 days.

Viainvest is an online investment platform from Latvia. On the website you can invest in both consumer and business loans. To date, over 500 million euros has been invested. Viainvest has an average interest rate of 10 percent.

Bondster is a peer-to-peer lending platform from Czech Republic that is active in 20 countries. The broker offers individual and business loans that last up to 120 months. Since 2017, over 100 million euros has been funded by more than 15 thousand investors. The interest is 5 to 16 percent.

TWINO was founded in 2009 in Latvia. Currently, it is active in 6 countries. It has over 58 thousand registered users, who have invested around 1 billion euros. According to the platform, investors are earning a total of 12 million euros in interest.

IUVO is based in Estonia and offers individual loans. In 2022, over 265 million euros was invested to date. The platform has more than 30 thousand registered users from 166 countries worldwide. The majority of loans last 6 to 24 months, with an average interest between 5 and 15 percent.

Offers various investment options for passive investors. European market leader in P2P lending with an average return of 11.3% on Core Loans. Also offers bonds, ETFs, real estate, and up to 2.25% via Smart Cash (available for instant withdrawal). Temporary a special welcome bonus for new investors.

• The editorial team's preferred platform
• 11+ billion euros funded since its launch in 2015
• European market leader in P2P lending
• 50+ loan originators from 25 countries
• Wide selection of corporate bonds
• MiFID II license

Debitum is a rapidly growing Latvian p2p lending platform. It allows you to invest in financing for small businesses. With the auto invest function, you can easily spread your investments across multiple loans. The annual return often exceeds 10 percent. Regulated under a MiFID II license.

• high returns (10%+)
• powerful Auto Invest features
• frequent cashback promotions
• MiFID II license

Enerfip is a French crowdfunding platform for renewable energy projects. So far, it has raised more than 750 million euros for over 500 projects. The platform aims to offer investors a return between 7 and 9.5 percent, while also reducing the CO2 emissions linked to their savings.

• sustainable projects
• projects in multiple countries
• detailed project information
• invest from 10 euros
• no fees for investors
• ECSP license (France)

You invest in defaulted mortgage loans from Spain, that have been purchased at a discount. You invest in legal processes and enforcement, not in credit risk. Returns come from successful recoveries. They can be very high, but are also unpredictable.

• platform active since 2023
• reported returns: 22+ percent per year
• low correlation with other P2P investments
• no interim cash flow or secondary market
• 17,000+ registered investors
• MiFID II licence (regulated in Latvia)

Invesdor is an European crowdfunding platform with a focus on sustainable projects, and fundraising for startups. Offers both bonds, loans and equity projects. Startups that have a sustainable or social mission get a special Oneplanetcrowd-label with their fundraising.

Women led European crowdfunding platform for real estate loans. You invest in projects backed by property, with expected returns of around 9 to 12 percent per year. The minimum investment is 150 euro. The platform is EU-regulated and focuses on transparent, relatively short-term investments.

• team experience in real estate since 2008
• maximum LTV of 60 percent
• aimed yearly returns: 9 to 12 percent
• four-women leadership
• focused on Latvia
• ECSP license (Latvia)

Stock.Estate is a new investment platform focused on real estate financing. It launched in 2024 and operates from Romania. You invest in short-term loans for property developers, with high interest rates (around 14.5 percent on average) and relatively short durations.

• launched in 2024, still a limited track record
• interest rates up to around 20 percent per year
• projects with first mortgage security
• no auto-invest, only manual investing
• many projects in development or renovation phase
• ECSP license, supervised by ASF (Romania)

EstateGuru is a real estate investment platform from Estonia, founded in 2014. You can invest in short-term real estate loans in different European countries. Investments start from 50 euros. The platform went through some difficult years, but its new strategy now seems to be working well.

• wide offering across 8 countries
• all loans secured by real estate collateral
• auto-invest feature by LTV, interest rate, or region
• in-house fund with expected return of 7 percent
• secondary market
• ECSP license (Estonia)

A European crowdfunding platform focused on the agricultural sector, active in the Baltic States, Poland, Bulgaria, and Portugal. It finances working capital, machinery, and sustainability projects, such as CO2 storage. Investors can earn an average annual return of over 12 percent.

• focus on agriculture
• loans secured by land or equipment
• projects for carbon credits
• auto-invest feature & secondary market
• 15K+ registered investors
• ECSP license (Lithuania)

Nordstreet is an international crowdfunding platform specializing in real estate projects with a Loan-to-Value (LTV) up to 75 percent. Investments start from 50 euros and the average return ranges between 12 and 12.5 percent. Founded in 2017, it is based in Lithuania.

Raizers is a crowdfunding platform, launched in 2015 in France, offering investors access to real estate projects across Europe. You can invest from 1,000 euros in property-backed bonds with average returns of 8 to 10 percent. Regulated (ECSP) by the French AMF.

One of Ireland’s oldest business lending platforms, focused exclusively on Irish SMEs. Since 2013, it has facilitated over 350 million euro in loans. The platform combines private and institutional funding, and works closely with Irish government-backed business finance initiatives.

• ECSP license supervised by Central Bank of Ireland (CBI)
• minimum investment: 50 euro
• average annual return of around 8 percent
• Active in retail, hospitality and agriculture

Letsinvest is a crowd-investing platform from Lithuania. You can start investing from 100 euros in commercial and residential developments. The average annual return is 9,41 percent. You can directly invest, buying into the equity of rental business or invest into bonds.

Profitus, based in Lithuania, is one of the fastest growing crowdfunding platforms for real estate-backed investments and business loans. You can start investing from 100 euros. The average return of investment is 12,14 percent (last updated: June 2024).