A Esketit é uma plataforma P2P licenciada na Irlanda lançada em 2020 pelos fundadores da Creamfinance. Oferece investimento em empréstimos ao consumo de originadores do grupo, suporta auto-invest e mercado secundário, e financiou mais de 975 M€ — embora uma mudança de jurisdição em 2025 e alterações unilaterais nas condições do mercado secundário tenham prejudicado a confiança do investidor.
Secção 02 · Veredicto
Pontos fortes e cuidados.
Prós
Mínimo 10 €
Mercado secundário com descontos
Resposta rápida do suporte
Auto-invest com filtros multi-critério
Fundadores com pedigree Creamfinance
Contras
Migração para a Croácia executada sem consentimento do investidor nas posições existentes
Prémio do mercado secundário cortado de 20 % para 2 % sem aviso
Reembolsos não reinvestidos automaticamente na nova estrutura
Section 03 · Mechanics
How it works.
Esketit is a consumer crowdlending platform based in Ireland, 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 Esketit carry a 60-day 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 04 · Onboarding
Opening an account.
01Create an account on the platform with your email and a strong, unique password (use a manager).
02Complete KYC — upload a government-issued ID document and proof of address (utility bill, bank statement, dated within 3 months).
03Confirm tax residency and provide a tax-ID number for the country where you’ll declare returns.
04Fund the investor account via bank transfer (minimum €10). First deposits sometimes take 1 business day to credit.
05Review the loan book — read the project memo, originator history, collateral pack and default-rate disclosures before committing capital.
06Build a portfolio of 20–30 positions to diversify; configure auto-invest rules if you prefer a hands-off approach.
07Track monthly statements, reinvest scheduled returns, and withdraw available cash to your bank account whenever needed.
Section 05 · Costs
Fees & charges.
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 06 · Operations
Deposits & withdrawals.
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: A secondary market is available — list a loan claim to other investors, typically at par or at a small discount, to free up capital before maturity.
Section 07 · Performance
Historical yields.
The platform advertises target gross yields in the 11–14% 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 Ireland 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 60-day 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.
Suited to investors wanting direct exposure to personal loans opportunities with a 12–36 months horizon, comfortable with default risk and limited liquidity. Minimum ticket from €10. Recommended portfolio size: 20–30 deals for adequate diversification; treat as a complement to traditional fixed-income, not a substitute.
Section 10 · Risk
Risk disclaimer.
Capital at risk. Investments on Esketit 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.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
Support email: typically support@esketit.com — confirm on the platform’s contact page before sending sensitive information.
Registered office: Ireland (verify the exact address on the platform’s legal page).
Public reviews:Trustpilot aggregates the investor feedback we ingest.
Regulator on file: HANFA (Croatia).
Investor relations: Esketit publishes monthly performance and loan-book updates on its blog and newsletter — subscribe before allocating meaningful capital.
Section 12 · FAQ
Frequently asked.
Is Esketit regulated?
Esketit 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 Esketit?
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 Esketit?
Advertised gross yields are 12.9% 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 Esketit?
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; a secondary market is available if you need to exit early.
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 Esketit itself goes bankrupt?
Investor cash held on the platform is segregated from Esketit’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 Esketit?
Typical project duration is 12–36 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.
I have been investing on Esketit for several years, and my experience has been consistently very positive. The platform has proven to be reliable over time, with punctual payments and clear management of investments.
Over the years, I have achieved concrete results, earning approximately €13,000. Of course, like any investment, there are risks involved, but so far my experience has been very solid and without any significant issues.
In summary, for anyone looking to invest in P2P lending through a user-friendly platform with a good track record, Esketit is definitely a solid choice.
R
Ralf
Trustpilot
1 Abr 2026
$62d
R
Roland
Trustpilot
5 Fev 2026
Clear & friendly communication, top P2P lending company
Quick, clear and friendly communication, reliable answers, top client service. Further: many loans with attractive ROI available, no cash drag, reliable operations. In my view one of the top companies for P2P investing!
T
tommy jones
Trustpilot
5 Jan 2026
Change of Claims Allocation
Unfortunately the Second Market for the Ireland allocated claims appears to have been closed but otherwise the transition to the newly Croatia allocated funds seems to work smoothely.
Still paying an outstanding interest of 10.5% :D
A
Andrew Pitt
Trustpilot
31 Dez 2025
Easy to use
Easy to use, reliable returns, and immediate withdrawals! I’ve found Esketit straightforward and user-friendly, with solid investment options and responsive customer service that helps quickly when needed. Highly recommend for anyone looking into P2P investing! Will keep investing with the Croatian entity.
L
Lulu Bicmantovano
Trustpilot
20 Dez 2025
Sembra che si siano ripresi in modo…
Dopo un periodo di mancanza di proposte, sembrano rientrati con vari progetti.
Oggi ho depositato 300 euro... nei progetti precedenti ho avuto sempre riscontri positivi. Interessi rientrati in tempi precisi e prelievi in tempi brevi.
G
gui Ome
Trustpilot
26 Nov 2025
Bonne experience
Le service client est reactif
C
Christian
Trustpilot
17 Nov 2025
$62e
M
Mac Mac
Trustpilot
10 Nov 2025
Esketit P2P investing
I've been investing with Esketit for 2 years and have been happy with the service and on the one occasion I had a slight problem, it was resolved quickly. I give 4 Stars and not 5 because I would like to see more short term loans to invest in (3-6 months) but to be fair non of the 4 companies I use are currently able to do this.
V
Vojtech Zehnalek
Trustpilot
26 Out 2025
Move to Croatia - scam or amateurism?
The move to Croatia is either work of an amateur or it is a scam. 1) All loans stay under Irelands and CANNOT be liquidated, so investors lose access to their invested money until fully repaid (this will take years!!!). 2) Repayments are not auto-invested - they need to be withdrawn from the Ireland account and injected again under Croatia. You will need to do this regularly for weeks until it is fully cashed out. 3) There are also almost no loans available under Croatia account yet. Tell me, who sane would approve this transition?
J
JJ
Trustpilot
24 Out 2025
Esketit is going down
Esketit is becoming real rubbish after this whole moving to Croatia thing. They not only ask their existing customers to repeat verification steps, but even if their customers go through the extra hassle they will still block their customers' account.
V
Verbraucherschutzzentrale Wiesbaden
Trustpilot
19 Out 2025
esketit ........Betrug ?
Ich verstehe nicht, dass diese Plattform vor kurzem noch von einigen "P2P - Experten" hier getestet und empfohlen wurde. Auch bei mir gibt es bislang keine Rückmeldung auf meine Fragen bezüglich Geld transferieren von Irland nach Kroatien. Es funktioniert nicht mit dem Verkauf, da sie wahrscheinlich wissen, dass zum einen die Anleger danach wegen Vertrauensverlust weg sind und weil sie höchstwahrscheinlich nicht liquide sind. Ich will nur hoffen, dass mein Geld nicht weg ist. .....und das wie gesagt, trotz der Empfehlungen auf YT. Was sagt uns das ??
P2P bleibt riskant und vor allem...hört nicht auf diese Möchtegernexperten, welche auf YouTube P2P "Banken" testen......das sind auch nur normale, ahnungslose Anleger, die Null Ahnung mehr haben als wir und lediglich auf clickbate aus sind.