P2P platform fees in 2026: eight platforms side by side, with German tax treatment
Mintos charges 0.39% a year on Core Loans, Estateguru 0.083% a month, Go & Grow EUR 1 per withdrawal. Fee schedule for eight platforms plus German tax.
Updated: 3 October 2026
Investor charges on European P2P platforms depend on the product and the trigger. Mintos Core Loans cost 0.39% a year, per the Mintos fee page updated 1 October 2026. Go & Grow, however, charges EUR 1 per withdrawal. A German resident then declares the interest under § 32d EStG.
Investor charges at Mintos, Go & Grow, PeerBerry, Debitum, Estateguru, Maclear, Viainvest and LANDE
Mintos, Estateguru and Go & Grow charge for holding or withdrawing, but the other five platforms name no such standard charge in the pages cited. The table lists selected published investor charges, and every row states its product. Each date is the page's own visible date, or 3 October 2026 where the page shows none.
Borrower-side fees sit outside this schedule, so the article where each euro goes in P2P lending covers them.
| Platform and product | Holding or management charge | Deposit and withdrawal | Source and page date |
|---|---|---|---|
| Mintos: Core Loans, Custom Loans, Smart Cash | Core Loans and legacy portfolios 0.39% a year; Custom Loans 0.29% a year from 16 May 2025; Smart Cash 0.19% a year | Card, Apple Pay and Google Pay deposits 2% of the amount; currency exchange from 0.50%, depending on the pair | Mintos fees, updated 1 October 2026 |
| Bondora: Go & Grow | No sign-up or management fee | EUR 1 per withdrawal, deducted from the amount; Wallet-to-bank withdrawals free | Go & Grow fees, 22 April 2026; withdrawal fees, 1 October 2025 |
| PeerBerry: loans | No service fee | No deposit or withdrawal fee; euros only | PeerBerry deposits help, read 3 October 2026 |
| Debitum: Notes and Flow | Flow: no exit fees; the help pages cited name no holding fee | No deposit fee (the sender's bank may charge); no withdrawal fee | Deposit help, 4 December 2025; withdrawal help, 13 March 2026; Flow launch, 11 September 2026 |
| Estateguru: ECSP loans | AUM fee 0.083% of outstanding performing principal, monthly, maximum EUR 100; interest spread 0-2%; no fee for making an investment | EUR 3 per withdrawal | Estateguru price list, in force from 1 November 2025 |
| Maclear: primary market and AutoInvest | Account maintenance EUR 0; primary investment EUR 0 | Deposit by SEPA EUR 0; withdrawal to the registered IBAN EUR 0 | Maclear fee FAQ, 03.08.2026 |
| Viainvest: standard investing | Service fee free | Incoming and outgoing payments free; downloaded statements free | Viainvest fee table, effective 6 March 2023 |
| LANDE: loans | FAQ: no hidden fees to investors; the platform earns through borrower-side service fees | Payments run through user accounts and Lemonway | LANDE FAQ and General Loan Terms, clause 16.1, in force since 15.05.2026 |
Estateguru's AUM fee applies to loans issued on or after 1 November 2023 and to secondary-market purchases from that date. However, the price list drops a month's fee when 25% of the return received is lower than the calculated fee.
Published returns leave these charges out. Per the Mintos historical-performance page, no bonuses or fees are included in its net returns, read 3 October 2026.
Minimum amounts stated on the same pages:
- Maclear: EUR 50 on the primary market and EUR 30 on the secondary market (minimum-investment FAQ, 03.08.2026).
- Viainvest: EUR 50 minimum withdrawal; a balance below EUR 50 with no funds in an active investment leaves in one transaction (fee table).
- LANDE: EUR 50 per loan (LANDE FAQ).
Secondary-market fees at Mintos, Estateguru, PeerBerry and Maclear, plus Go & Grow and Debitum Flow exits
Sellers pay 0.85% of the final sale price on Mintos Notes, 1% on Estateguru and 2.5% on Maclear. Buyers pay no purchase fee on those three. PeerBerry charges neither side, while the other routes below carry conditions.
| Platform and route | Charge | Conditions | Source and page date |
|---|---|---|---|
| Mintos Core Loans, cash-out | No fee | Sale to other investors in the same portfolio | Mintos exit page, 7 May 2026 |
| Mintos Notes, secondary market | 0.85% on every sale; buying free | Secondary market open to Notes only since 1 July 2022; discounts or premiums allowed | Exit page, 7 May 2026; fees, 1 October 2026 |
| Estateguru, secondary market | Seller 1% of the transaction; buyer none | AUM fee applies to purchases from 1 November 2023 | Price list, from 1 November 2025 |
| PeerBerry, secondary market | No fee for users | Sale after 180 days of holding; whole investments only; discount up to 50%; offer active 14 calendar days; desktop only | Launch post, 15 January 2026; help, read 3 October 2026 |
| Maclear, secondary market | Seller 2.5% of the transaction; buyer EUR 0 | Minimum selling price EUR 30; unsold listings removed after 14 days | Fee FAQ, 03.08.2026 |
| Go & Grow, withdrawal | EUR 1 per withdrawal | The site says it may not be possible to withdraw money immediately and mentions partial payouts | Go & Grow, read 3 October 2026 |
| Debitum Flow, early withdrawal | No exit fee | Limit EUR 5,000 a week; requests up to EUR 1,000 typically next business day; first-in, first-out queue; liquidity from new investments and a buffer | Flow launch, 11 September 2026 |
| LANDE, loans | Not stated in the FAQ answer | Funds locked until the loan matures; a secondary market lets investors sell earlier | LANDE FAQ, read 3 October 2026 |
Inactivity and compliance charges at Mintos, Estateguru and Viainvest
Three platforms publish charges that apply only when an account sits idle or compliance documents are missing. Mintos also deducts recovery costs from recovered amounts, and those deductions never exceed the amount recovered (Mintos fees, 1 October 2026). Viainvest then lists the most items, including a monitoring fee from 1 August 2026.
| Platform | Trigger | Charge | Source and page date |
|---|---|---|---|
| Mintos | No investments, sales, deposits or withdrawals in 360 days, and no holdings in ETFs, bonds, real estate, stocks, crypto ETPs or Smart Cash; not charged on locked, under-review or closing accounts, or when over 90% of loan investments are Overdue | EUR 4.90 per month, charged on the 1st; not collected below a EUR 4.90 balance | Mintos fees, 1 October 2026 |
| Mintos | Selected individual accounts with residence or tax residence outside the EU/EEA or Switzerland, and all company accounts | EUR 50 one-time, non-refundable fee for enhanced compliance checks; covers the review only and does not guarantee approval | Same page, 1 October 2026 |
| Estateguru | Deposited funds and no new investment for 12 months | EUR 10 per month for the first year of inactivity, then EUR 50 per month | Price list, from 1 November 2025 |
| Viainvest | No active investments and no transactions in the past three months | EUR 2 per month until the balance reaches 0 | Fee table, effective 6 March 2023 |
| Viainvest | Requested standard due-diligence documents not provided; the page says the fee may be charged, from 1 August 2026 | 2% per month of the available balance, at least EUR 30 | Same page |
| Viainvest | Deposit cannot be credited or returned because details are wrong or incomplete | 2% of the transfer amount, at least EUR 30 | Same page |
Buyback obligations and the Maclear provision fund by platform
Buyback obligations on Mintos Notes, PeerBerry and Viainvest rest with the loan originator once a loan is more than 60 days late. Debitum gives its partner an option, and Maclear funds a reserve. Each mechanism has a different payer, so the table names it.
| Platform | Who owes the promise | Trigger | Stated limit | Source and page date |
|---|---|---|---|---|
| Mintos Notes | The lending company or another entity of its group | Loan more than 60 days late | Investors may not receive the money if the lending company defaults | Mintos help, 7 December 2022 |
| PeerBerry | Loan originators | Borrower delays payments by more than 60 days | Buyback and group guarantee may be affected by force majeure | PeerBerry help, read 3 October 2026 |
| Viainvest | The loan originator | Missed payment for more than 60 days | If the originator cannot honour its liability, the obligation is also at risk | Viainvest FAQ, read 3 October 2026 |
| Debitum | The partner that issued the loan, at its option | Loan in late status and in recovery | If exercised, pays remaining principal plus interest earned to the trigger date | Debitum help, 4 December 2025 |
| Maclear | Provision fund, filled with 2% of each successfully funded project | Borrower delay of more than 3 days | Covers interest and/or principal to the extent funds are available; not an insurance product | Terms, clause 3.9, 4 April 2024; FAQ, 10.09.2026 |
Maclear's FAQ also states that the fund sits in a segregated bank account and appears in audited financial statements prepared by Grant Thornton AG.
Estateguru's price list, in force from 1 November 2025, carries another warning. It says crowdfunding is not covered by the insurance coverage that member-state laws provide for deposits. Licences sit in a separate article on which authority licenses which platform.
German tax on P2P interest under § 20 and § 32d EStG for 2025 and 2026
A German tax resident pays a flat 25% on P2P interest, plus solidarity surcharge and church tax where it applies. Where no German agent withholds tax, the annual return reports the income. Finanzamt NRW gives the 25% rate, and the BMF tax guide, 2025 edition gives the same figure. All statutes cited below were read on 3 October 2026.
- Scope: § 20(1) no. 7 EStG covers "Erträge aus sonstigen Kapitalforderungen jeder Art" when repayment or compensation for use was promised or paid.
- Rate: § 32d(1) EStG sets 25%, and the Finanzamt NRW lists the surcharge at 5.5%, which gives 26.375% in total. With 9% church tax the base falls to 24.45% per the Finanzamt NRW, and the combined rate computes to 27.995%.
- Allowance: § 20(9) EStG grants EUR 1,000, or EUR 2,000 for spouses assessed jointly. The BMF's January 2023 report records the rise from EUR 801.
- Return: § 32d(3) EStG requires capital income that was not subject to Kapitalertragsteuer to be declared in the return. Mintos does not accept a German Freistellungsauftrag, according to its help page of 1 October 2024.
- Foreign withholding: Viainvest applies 5% to EU/EEA residents, and its FAQ lists Germany at 5% in the table effective 1 January 2025. Debitum states 5% for EU/EEA investors since November 2022 (help, 17 March 2026).
- No withholding stated: PeerBerry says it does not deduct investor taxes (help). Estateguru calls returns gross income (help, 11 March 2025), and Maclear credits interest in full (FAQ, 03.08.2026).
- Credit: § 32d(5) credits foreign tax that was assessed and paid, up to 25% on each capital item. Any entitlement to a reduction of that tax lowers the credit.
- Günstigerprüfung: § 32d(6) applies the personal tax rate on request. This happens when it results in lower income tax including surcharges.
- Losses: § 20(6) EStG offsets capital losses only against capital income, now or in later years. The Finanzamt NRW states that the EUR 20,000 limit on worthless claims was repealed with the 2024 annual tax act for open cases.
Example with assumed inputs: a single filer receives EUR 3,000 of interest from a platform that withholds 5%, so EUR 150 is withheld abroad. After the EUR 1,000 allowance, EUR 2,000 is taxable at 25%, which is EUR 500. The EUR 150 credit leaves EUR 350 before solidarity surcharge and church tax. The result holds only because the example assumes no other capital income and no refund claim on the 5%.
Country-by-country rates and platform withholding appear in crowdlending tax in Europe.
P2P platform fees and German tax FAQ
Does Mintos charge investors a fee?
Yes. On Core Loans Mintos lists 0.39% a year, and every Notes sale costs 0.85%, per its fee page of 1 October 2026. Buying on the secondary market is free.
Is withdrawing from Go & Grow free?
No. Go & Grow charges a flat EUR 1 per withdrawal, deducted from the amount, per its fee page of 22 April 2026. That equals 2% of a EUR 50 withdrawal and 0.2% of EUR 500. Wallet-to-bank withdrawals carry no fee.
What principal reaches Estateguru's EUR 100 monthly AUM cap?
When a fee is charged, EUR 100 divided by 0.083% gives about EUR 120,482 of outstanding performing principal. The price list charges the fee on actual returns, so a month without returns carries no AUM fee. Below that, for example, EUR 10,000 of qualifying principal attracts EUR 8.30 a month. The price list drops the fee in a month when 25% of the return received is lower than the fee.
Do I declare P2P interest in Germany if the platform already withheld 5%?
Yes. A 5% withholding by Viainvest or Debitum is foreign tax, so § 32d(3) EStG requires interest outside German Kapitalertragsteuer in the return. Section 32d(5) allows a credit for eligible foreign tax that was assessed and paid, up to 25% on each item. Any entitlement to a reduction of that tax lowers the credit.
Can a defaulted P2P loan reduce my German tax?
Yes, once a capital claim has become worthless and the loss is recognised for tax, it counts under § 20(6) EStG. It reduces capital income of the same or later years and cannot offset other income. The Finanzamt NRW excludes a carryback to the prior year.