Afranga Bonus 2026: Get 0.5% Cashback on Your First 90 Days

The Afranga bonus is 0.5% cashback for new investors in their first 90 days, as of August 2026.

By Uffe Stjernholm
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Afranga logo

Afranga

Not reviewed yet · ECSP

0.5% cashback

On your investments within 90 days

€10 on €2,000 · +0.5 percentage points on your first year's return

Investing on Afranga puts your capital at risk, and a bonus doesn't change that.

Claim bonus

Opens afranga.com

Bonus
0.5%
Cashback
Required
€10
Platform minimum. No bonus minimum.
Time to invest
90 days
Hold
Not verified
Referral code
None
No code to enter

What is the Afranga bonus?

Afranga’s offer for new investors is 0.5% cashback on money you deposit and then invest in loans in your first 90 days after registering.

How to claim on Afranga

  1. Open Afranga through the claim button

    Use the claim button on this page to open Afranga, and register there.

    Claim bonus ↑
  2. Verify your identity and take the assessment

    Afranga asks every investor to verify their identity and complete its suitability and appropriateness assessment, which sets your investor category, before investing.

  3. Deposit and invest within the window

    Add money through Afranga's payment provider, then invest it in loans from the Invest page.

  4. Receive your cashback on day 91

    Afranga transfers the cashback to your Afranga wallet on day 91 after registration.

    Day 91

What is the cashback worth for your amount?

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€10
Added to your first year's return, once
+0.5 percentage points

A friend's Afranga refer-a-friend code pays new investors €50 once they invest €1,000. On €1,000 to under €10,000 invested in your first 30 days, the friend's €50 is more than this offer pays.

Mistakes that cost you the bonus

Depositing without investing
Afranga counts only money that is both deposited and invested, so cash left in your Afranga wallet earns no cashback.
Registering before you're ready to invest
The cashback window counts from the day you register, so every day before your first investment comes off the window.

Offer history

Afranga has 2 offers open to new investors on record since August 2026. 1 of them is a campaign, and 1 is its standard sign-up offer. The latest campaign, SaveSmart Level Up, runs until 30 November 2026.

Offers on Afranga
Offer Conditions From Until
SaveSmart Level Up Fixed bonus by personal goal New money in 12-month SaveSmart, with goals set for each investor. Examples: €15 at €1,000 up to €125 at €5,000. Verified 10 Nov 2026Claim
0.5% cashback Invested within 90 days RunningLast checked 11 Aug 2026Claim

The dates come from Afranga's own terms, posts and announcements, and from archived copies of its website. A date marked "or earlier" or "or later" is the first or last day the evidence shows the offer running.

How Afranga's offer compares

Afranga's offer pays €10 on €2,000 invested. Of the other 23 bonuses on this site, 13 pay more on that amount, 5 pay the same and 5 pay less.

The list groups the offers by each platform's rating, from Recommended and Investable down to Not recommended. Within each group, the offers run from the most to the least they pay on €2,000. The Not recommended group is ordered by rating instead.

  1. LANDE bonus · 3% cashback

    €60 on €2,000

    3.3/5 · Investable

  2. Mintos bonus · €25 bonus

    €25 on €2,000

    4.0/5 · Recommended

  3. Nectaro bonus · 1% cashback

    €20 on €2,000

    3.0/5 · Investable

  4. VIAINVEST bonus · 0.5% cashback

    €10 on €2,000

    3.4/5 · Investable

  5. TWINO bonus · 0.5–2% cashback

    €10–€40 on €2,000

    3.0/5 · Investable

  6. Go & Grow bonus · €5 bonus

    €5 on €2,000

    3.8/5 · Recommended

  7. PeerBerry bonus · 0.5% extra interest

    €3.33–€10 on €2,000, depending on loan length

    3.0/5 · Investable

High risk

  1. InSoil bonus · 2% cashback

    €40 on €2,000

    2.6/5 · High risk

  2. Lendermarket bonus · 1.5% cashback

    €30 on €2,000

    2.3/5 · High risk

  3. Robocash bonus · 1–2.5% cashback

    €20 on €2,000

    2.8/5 · High risk

  4. Esketit bonus · 0.5% cashback

    €10 on €2,000

    2.0/5 · High risk

  5. Monefit bonus · 0.25% cashback

    €5 on €2,000

    2.7/5 · High risk

Not reviewed yet

  1. Modena bonus · €25 bonus + 1% cashback

    €45 on €2,000

    Not reviewed yet · Unregulated

  2. Triple Dragon Funding bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated

  3. Devon bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated

  4. Afranga bonus · 0.5% cashback You're here

    €10 on €2,000

    Not reviewed yet · ECSP
    Claim bonus

    Opens afranga.com

  5. Indemo bonus · 0.5% cashback

    €10 on €2,000

    Not reviewed yet · MiFID II

  6. Crowdpear bonus · 1% extra interest

    €5–€20 on €2,000, depending on loan length

    Not reviewed yet · ECSP

Bonuses on platforms rated Not recommended

  1. Debitum bonus · 1% cashback

    €20 on €2,000

    1.6/5 · Not recommended

  2. Hive5 bonus · 1% cashback

    €20 on €2,000

    1.5/5 · Not recommended

  3. Estateguru bonus · 0.5% cashback

    €10 on €2,000, paid as investment credit

    1.3/5 · Not recommended

  4. Lonvest bonus · 0.25–1% cashback

    €5–€20 on €2,000

    1.3/5 · Not recommended

  5. Maclear bonus · 3% cashback

    €60 on €2,000

    1.3/5 · Not recommended

  6. Loanch bonus · 1% cashback

    €20 on €2,000

    1.0/5 · Not recommended

All P2P bonuses are on one page, in the same order.

Frequently asked questions

Do I need an Afranga referral code?

No, you don't need an Afranga referral code to get the Afranga bonus. The Afranga sign-up form has a referral code field, and the Afranga bonus doesn't need anything in it. No promo code or bonus code is needed either.

Can I get the bonus if I already have an Afranga account?

No, the Afranga bonus is for new investors only. Existing Afranga investors can join SaveSmart Level Up, which runs until 30 November 2026. Afranga allows one account per investor, so a second account doesn't qualify for the sign-up offer.

When is Afranga's cashback paid out?

On day 91 after registration, Afranga transfers the cashback to your Afranga wallet.

Do I pay tax on the Afranga bonus?

Whether you pay tax on the Afranga bonus depends on the country you're taxed in. The tax rules checked for the 31 countries this site covers don't mention P2P platform bonuses directly, as of October 2026. Finland's income tax act comes closest. Since 1 January 2026, Finland's income tax act treats cashback earned on investments as capital income. Whether the Finnish rule covers foreign P2P platforms is unsettled. In other countries, a bonus can count as investment income, as other income or, in some readings, as no income at all. The category decides your tax rate and whether a tax-free allowance for small amounts applies. Your tax authority or a tax adviser can tell you which category applies to you.

How does Afranga's refer-a-friend program work?

Afranga's refer-a-friend program pays €50 to the inviting investor and €50 to the invited friend, per Afranga's refer-a-friend terms as of November 2026. The invited friend qualifies by investing at least €1,000 in Afranga's SaveSmart or Primary Market loans within 30 days of completing account verification. Loans bought on Afranga's Secondary Market don't count toward the friend's €1,000. The inviting investor needs an active investment balance of at least €1,000 on Afranga. Afranga's refer-a-friend program accepts invited friends who are at least 18 and based in the EU. Afranga credits both bonuses 4 days after the investment that takes the friend to €1,000. The Afranga refer-a-friend bonus can't be withdrawn before it has been invested on Afranga. A friend's Afranga refer-a-friend code pays new investors €50 once they invest €1,000. On €1,000 to under €10,000 invested in your first 30 days, the friend's €50 is more than this offer pays.

Has Afranga offered other bonuses before?

Yes, Afranga has 2 offers open to new investors on record since August 2026. 1 of them is a campaign, and 1 is its standard sign-up offer. The latest campaign, SaveSmart Level Up, runs until 30 November 2026.

Do deposits alone count toward Afranga's cashback?

No, deposits alone don't count toward Afranga's cashback. Only money you deposit and then invest in loans within the window counts, and a deposit left uninvested in your Afranga wallet earns none of it.

What am I investing in on Afranga?

On Afranga you invest in business loans to pre-approved companies, typically small and medium-sized businesses. Each Afranga investment makes you a party to the loan agreement with the borrowing company. Afranga's SaveSmart investments are business loans issued by Stikcredit as loan originator, as of November 2026. Afranga is licensed as a European crowdfunding service provider by Bulgaria's Financial Supervision Commission.
Uffe Stjernholm
Uffe Stjernholm
P2P investor since 2018

European P2P lending investor since April 2018. Active across numerous platforms with my own money on the line. Survived the 2020 COVID liquidity crunch and its wave of originator collapses — and learned its hardest lesson: never trust a buyback obligation from a thinly capitalised originator.

8+ years experience Own money on 8 of 21 reviewed platforms