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PeerBerry

P2P relocalisé en Croatie avec 3,3 Md € financés et garanties de rachat de groupe.

Immobilier Croatie depuis 2017 ECSP Group-level buyback KYC auto-invest Best crowdlending platforms Best consumer crowdlending platforms Best buyback-backed P2P platforms Best auto-invest crowdlending platforms Best ECSP-licensed crowdlending platforms Consumer crowdlending Crowdlending in Latvia Crowdlending in France Crowdlending in Portugal Auto-invest Buyback guarantee
Note globale
3,50 / 5
319 avis
Visiter la plateforme
Mis à jour le 8 Mai 2026
Vérifié par TopLending Editorial · Reviewed by independent analysts
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Secteur
Immobilier
Type d'investissement
Prêt P2P
Siège social
Lituanie
Présent en
Europe
Encours / total financé
3327M EUR
Investissement min.
10 EUR
Rendement annoncé
11%
Durée moy.
6 months
Investisseurs
117000
Moyens de financement
Bank transfer
Source : thecrowdspace.com ↗
Section 01 · Aperçu

À propos de la plateforme.

PeerBerry est une plateforme P2P désormais basée à Zagreb qui a financé plus de 3,3 Md € depuis 2017. Elle offre aux investisseurs particuliers un accès à des prêts consommation des groupes Aventus et Gofingo, avec rachat au niveau du groupe et une app mobile claire — bien que la concentration des originateurs en Lituanie et des pannes occasionnelles de l'app aient suscité des critiques.

Section 02 · Verdict

Forces & réserves.

Avantages

  • 3,3 Md € financés sur 7+ ans
  • Obligation de rachat au niveau du groupe
  • App mobile et UX claire
  • Minimum 10 €
  • Retraits rapides lorsque la liquidité est saine

Inconvénients

  • Base d'originateurs concentrée en Lituanie
  • Problèmes de stabilité de l'app en 2024–2025
  • Rachat contractuel, non protégé légalement comme la conservation MiFID II
Section 03 · Synthèse des avis

Ce que rapportent les avis.

Bien
TrustScore 3,9 | 263 avis
Trustpilot
L’analyse ci-dessous provient des 319 avis Trustpilot importés pour cette plateforme. Cet échantillon donne à lui seul 4,2/5 ; le TrustScore ci-dessus pondère davantage les avis récents.

Fiabilité

La plateforme verse-t-elle ce qu’elle promet ?

Majoritairement positif
74% positifs 89 avis le mentionnent

Ce qui fonctionne

  • Intérêts et capital versés dans les temps 28
  • Perçue comme un acteur sérieux et fiable 28
  • Le capital est revenu comme promis 17
  • Les défauts sont traités et recouvrés 14

Ce qui suscite des plaintes

  • Paiements en retard ou absents signalés 13
  • Doutes exprimés sur l’intégrité de la plateforme 13
  • Des investisseurs signalent un capital bloqué ou perdu 8

Rendement

Les rendements correspondent-ils à ceux annoncés ?

Majoritairement positif
75% positifs 77 avis le mentionnent

Ce qui fonctionne

  • Les rendements atteignent ou dépassent les attentes 49
  • Les revenus tombent régulièrement et sans surprise 13

Ce qui suscite des plaintes

  • Les rendements restent en deçà du taux annoncé 15
  • Revenus moins réguliers que prévu 4

Transparence

Obtient-on les informations nécessaires, y compris les mauvaises nouvelles ?

Majoritairement positif
79% positifs 29 avis le mentionnent

Ce qui fonctionne

  • Conditions et risques annoncés ouvertement 11
  • Chaque projet est documenté pour pouvoir le juger 8
  • Reporting clair et suivi du portefeuille 5

Ce qui suscite des plaintes

  • Le reporting est confus ou incomplet 4
  • Trop peu de détails pour évaluer un projet 2
  • Des informations clés semblent cachées ou enjolivées 2

Facilité d’utilisation

Quel effort demande réellement l’investissement ?

Majoritairement positif
77% positifs 108 avis le mentionnent

Ce qui fonctionne

  • L’application mobile fait le travail 43
  • Facile à prendre en main et à utiliser au quotidien 40
  • L’auto-investissement fait le travail 17
  • Inscription et vérification passent vite 4

Ce qui suscite des plaintes

  • Bugs de l’application et problèmes de connexion 14
  • L’auto-investissement est difficile à piloter 11
  • Plus compliqué à utiliser qu’il ne devrait 4
  • L’inscription ou le KYC ont traîné 4

Service client

Y a-t-il quelqu’un en face ?

Majoritairement positif
78% positifs 27 avis le mentionnent

Ce qui fonctionne

  • L’équipe est serviable et professionnelle 14
  • Le support répond vite 7

Ce qui suscite des plaintes

  • Les messages restent sans réponse 6

Dépôts et retraits

Avec quelle facilité l’argent entre-t-il — et ressort-il ?

Majoritairement positif
79% positifs 34 avis le mentionnent

Ce qui fonctionne

  • Les retraits passent rapidement 21
  • L’alimentation du compte est fluide 7
  • Le marché secondaire facilite la sortie 4

Ce qui suscite des plaintes

  • Sortie difficile — marché secondaire étroit 4
  • Retraits retardés ou bloqués 3
  • Difficultés à alimenter le compte 2

Choix des projets

L’offre suffit-elle à constituer un portefeuille ?

Majoritairement positif
74% positifs 23 avis le mentionnent

Ce qui fonctionne

  • Assez de variété pour diversifier correctement 11
  • Flux régulier de nouveaux projets 7

Ce qui suscite des plaintes

  • Trop peu de projets pour rester investi 5

Chaque avis est rattaché à tous les critères qu’il aborde ; le ton suit sa note en étoiles. Les chiffres indiquent le nombre d’avis derrière chaque ligne. Méthodologie

Section 04 · Mécanique

Comment ça marche.

PeerBerry is a consumer crowdlending platform based in Croatia, supervised by HANFA (Croatia). Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.

Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.

Loans on PeerBerry carry a group-level buyback, which steps in if the borrower stops paying. The strength of that protection depends on the financial health of the originator standing behind it — not the platform itself.

Section 05 · Inscription

Ouvrir un compte.

  1. 01 Create an account on the platform with your email and a strong, unique password (use a manager).
  2. 02 Complete KYC — upload a government-issued ID document and proof of address (utility bill, bank statement, dated within 3 months).
  3. 03 Confirm tax residency and provide a tax-ID number for the country where you’ll declare returns.
  4. 04 Fund the investor account via bank transfer (minimum €10). First deposits sometimes take 1 business day to credit.
  5. 05 Review the loan book — read the project memo, originator history, collateral pack and default-rate disclosures before committing capital.
  6. 06 Build a portfolio of 20–30 positions to diversify; configure auto-invest rules if you prefer a hands-off approach.
  7. 07 Track monthly statements, reinvest scheduled returns, and withdraw available cash to your bank account whenever needed.
Section 06 · Coûts

Frais et commissions.

  • Account opening: free — there is no signup, KYC or annual maintenance fee for investors.
  • Minimum deposit: €10 per transaction. There is no upper limit for retail accounts; institutional and family-office tickets are negotiated separately.
  • Deposit fees: SEPA and local bank transfers are free. Cross-border SWIFT may incur correspondent-bank charges set by your bank, not the platform.
  • Investment fees: typically zero on the investor side — the platform earns from origination / servicing fees paid by the borrower or sponsor, and that economic burden is already reflected in the headline yield.
  • Servicing fees: some platforms levy a small annual servicing fee (often 0.5–1 %) on outstanding principal; check the latest fee schedule on the platform’s legal page before allocating size.
  • Withdrawal fees: free for in-region SEPA or local bank transfers; non-EUR / non-local withdrawals may incur a small fixed bank fee.
  • Secondary-market fees: when a secondary market exists, sellers typically pay a 0.5–1 % transaction fee on the realised price; check before listing.
  • Tax: interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically — investors report income in their annual return and may apply double-tax-treaty relief where available.
Section 07 · Opérations

Dépôts et retraits.

  • Deposit methods: SEPA bank transfer, card payment. Crypto is not supported.
  • Minimum deposit: €10 per transaction. No upper limit for retail accounts.
  • Deposit processing: SEPA usually credits within 1 business day; instant SEPA arrives in minutes where supported.
  • Withdrawal method: SEPA transfer to the bank account on file. No third-party withdrawals.
  • Withdrawal processing: Available cash typically arrives within 1–3 business days; funds locked in active loans only return as borrowers repay.
  • Early exit: No secondary market — plan on holding loans to maturity.
Section 08 · Performance

Rendements historiques.

The platform advertises target gross yields in the 9–11% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.

Track record is best read against the Croatia macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.

Headline yields are quoted before the value of the group-level buyback. In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.

Section 09 · Régulation

Licences et régulation.

Licence
ECSP
Régulateur
HANFA (Croatia)
Registre public
Vérifier sur le site du régulateur
Section 10 · Adéquation

À qui cela convient.

Suited to investors looking for collateralised income with a 6 months horizon, comfortable with project delays, periodic write-downs and the limited liquidity typical of property deals. Minimum ticket from €10. Best used as a complement to a diversified fixed-income allocation, not as a substitute for it.

Section 11 · Risque

Avertissement sur les risques.

Capital at risk. Investments on PeerBerry are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.

Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.

Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.

Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.

Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.

Section 12 · Contact

Où trouver PeerBerry.

  • Website: peerberry.com
  • Support email: typically support@peerberry.com — confirm on the platform’s contact page before sending sensitive information.
  • Registered office: Croatia (verify the exact address on the platform’s legal page).
  • Public reviews: the feedback shown on this page is collected from publicly available review sources and published anonymised.
  • Regulator on file: HANFA (Croatia).
  • Investor relations: PeerBerry publishes monthly performance and loan-book updates on its blog and newsletter — subscribe before allocating meaningful capital.
Section 13 · FAQ

Questions fréquentes.

Is PeerBerry regulated?

PeerBerry operates under supervision of HANFA (Croatia). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.

What is the minimum investment on PeerBerry?

The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.

What returns can I expect from PeerBerry?

Advertised gross yields are 11% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.

How long does it take to withdraw funds from PeerBerry?

Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.

What happens if a borrower defaults?

In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.

What happens if PeerBerry itself goes bankrupt?

Investor cash held on the platform is segregated from PeerBerry’s own balance sheet, as required by the rules of HANFA (Croatia). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.

Do I pay tax on the income?

Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.

What is the typical deal duration on PeerBerry?

Typical project duration is 6 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.

How many deals should I hold to be diversified?

A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.

Section 14 · Témoignages

Avis investisseurs.

12 sur 319
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Les avis marqués « Sources publiques » proviennent de pages d’avis accessibles publiquement et sont republiés ici de façon anonymisée, sans nom d’auteur ni lien vers la source. Les avis déposés sur TopLending portent le badge « Community ».

A
Anonyme Sources publiques
17 Avr 2026

excellent

A
Anonyme Sources publiques
15 Avr 2026

Comecei a diversificar entre plataformas depois de ter tido tudo num só sítio durante quase um ano. Aprendi da forma mais lenta possível que distribuir dinheiro não é o mesmo que distribuir risco.O PeerBerry tem o buyback dos originadores, funciona bem na prática mas é uma obrigação interna, não jurídica. O Mintos tem MiFID II mas essa proteção cobre os fundos na plataforma, não as positções em empréstimos. O Maclear opera sob jurisdição suíça com colateral real por trás de cada projeto, lógica

A
Anonyme Sources publiques
14 Avr 2026

todo.bien

A
Anonyme Sources publiques
10 Avr 2026

It works. I'm only annoyed by the banner that keeps telling me to change the password regularly. Also, with the latest update app my data got deleted and I cannot enable biometrics to login anymore. Unlike other apps, Peerberry always opens Google security & privacy settings. But there's nothing.

A
Anonyme Sources publiques
20 Mar 2026

why can I not choose United States of America when signing up? I can't even create an account.

A
Anonyme Sources publiques
17 Mar 2026

berry diversified loan options not available

A
Anonyme Sources publiques
20 Fév 2026

Je suis très déçu de mon expérience

Je suis très déçu de mon expérience. Depuis juin 2024 (Soi casiment 2 ans) mon argent ne travaillait plus sans que j’en sois informé alors j'avais bien activé le bot. J’ai découvert par moi-même que les taux avaient été fortement revus à la baisse et que ma stratégie automatique restait bloquée simplement parce que je visais encore 11 % Aucune alerte, aucun avertissement par email, rien. Résultat : presque 2 ans d’investissement perdu alors que la plateforme est censée fonctionner automatiquement. Quand on parle d’investissement, un minimum de transparence et de communication proactive est indispensable. De plus, la solution proposée est de descendre à 9 %, un taux trop bas par rapport à ce que la plateforme promettait auparavant. Bref, expérience très décevante : manque de communication, automatisation trompeuse, rendement en chute libre. Je retire mes fonds.

A
Anonyme Sources publiques
26 Jan 2026

perfect app simple and trusted 👌

A
Anonyme Sources publiques
5 Jan 2026

not sure

A
Anonyme Sources publiques
31 Déc 2025

I love this app, it does everything I want and is simple to use. Well done Peerberry.

A
Anonyme Sources publiques
10 Déc 2025

funciona.bien , a mí me cancelaron un depósito que me había equivocado, en un minuto. sorprendido positivamente.

A
Anonyme Sources publiques
12 Nov 2025

Smooth and professional Customer service support

I had an issue with my 2FA and contacted PeerBerry’s customer service. I was really impressed by how efficient and professional they were. I reached out to the chat on a Sunday, received clear instructions by email the next day, and the issue was resolved smoothly and very quickly. Excellent support — congratulations to the team!

Voir les 319 avis