Indemo Bonus 2026: Get 0.5% Cashback as a New Investor

The Indemo bonus is 0.5% cashback on what new investors invest, as of November 2026. Indemo pays the bonus only for sign-ups through a partner link.

By Uffe Stjernholm
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We earn a commission when you open an account through a link on this page. Depending on the platform, the commission is a fixed amount per new investor, a share of what that investor invests during a set period, or both. It costs you nothing. The methodology explains how platforms are rated.

Indemo logo

Indemo

Not reviewed yet · MiFID II

0.5% cashback

On your investments

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

Checked against the offer listing for affiliate sites

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

Claim bonus

Opens indemo.eu

Bonus
0.5%
Cashback
Required
€10
Platform minimum. No bonus minimum.
Time to invest
Not stated
By the platform
Hold
Not stated
By the platform
Invite code
None
Via the link

What is the Indemo bonus?

The Indemo bonus is 0.5% cashback on what you invest, for new investors who sign up through a content creator’s link, such as the one on this page. Indemo also runs its own cashback campaigns for every investor, and those don’t depend on a link. Whether the offer through the link on this page adds to a running campaign isn’t stated in Indemo’s terms.

Indemo's 0.5% is half of 1%, the typical rate among the 20 cashback offers on this site.

How to claim on Indemo

  1. Click the claim button on this page

    Click it before you open your Indemo account.

    Claim bonus ↑
  2. Register and complete verification

    Sign up with your real details and verify your identity.

  3. Invest in Notes

    Choose Notes on Indemo and invest.

    Ongoing

What is the bonus 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

Mistakes that cost you the bonus

Registering via a direct URL
An Indemo account opened without the link click gets no creator-link cashback.
Typing a code into the invite code field
If you type a code into Indemo's invite code field, Indemo applies that code instead of the link on this page. Indemo gives a typed code priority over a referral link, and a content creator's link counts as one.
Ad blocker during sign-up
The link's tracker records your click with a script on its own site, and an ad blocker can stop that script. Turn ad blockers off for the sign-up.

Offer history

Indemo has 24 offers open to new investors on record since June 2024. 23 of them are campaigns, and 1 is its standard sign-up offer. The latest campaign, November Cashback, runs until 22 November 2026. Indemo has started 10 campaigns since November 2025.

Offers on Indemo running now or ended since November 2025
Offer Conditions From Until
November Cashback 1.5–3.5% cashback €10+ invested Verified 10 Nov 2026Claim
0.5% cashback Through a partner link RunningVerified 10 Nov 2026Claim
Golden August Cashback 3–5% cashback €10+ invested
Cashback for All 3–5% cashback €10+ invested
May Refresh 5% Cashback 3–5% cashback €300+ invested
Spring Bloom 5% Cashback 2.5–5% cashback €250+ invested
Hello Spring Cashback 2.5–5% cashback €250+ invested
Goodbye Winter Cashback 2.5–5% cashback €250+ invested
New Year Cashback Boost 2.5–5% cashback €250+ invested
Winter Reward Season Cashback 2.5–5% cashback €250+ invested
Black Friday Month Cashback 2.5–5% cashback €250+ invested
Offers that ended before November 2025 (13)
Offers on Indemo that ended before November 2025
Offer Conditions From Until
CashbackFest 1.5–4% cashback €250+ invested
September's Easy Cashback 1–3% cashback €1,000+ invested
Indemo Summer Returns Cashback - Vol. 3 1–4% cashback €250+ invested
Indemo Summer Returns Cashback - Vol. 2 1–4% cashback €250+ invested
Indemo Summer Returns Cashback 1–4% cashback €250+ invested
Maximum Cashback 2.0 2–4% cashback €500+ invested
First-time €30 Investor Bonus €30 bonus €10+ invested
Maximum Cashback 1.5–2% cashback €200+ invested
Spring Cleaning Cashback 1.3% cashback Unknown
Carnival Cashback 1.8% cashback Unknown
St. Valentine's Instant Cashback 1.4% cashback Unknown
Indemo FastTrack 1.74–4% cashback Unknown
Summer Cashback event 2% cashback Unknown

The dates come from Indemo'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 Indemo's offer compares

Indemo'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

    €10 on €2,000

    Not reviewed yet · ECSP

  5. Indemo bonus · 0.5% cashback You're here

    €10 on €2,000

    Not reviewed yet · MiFID II
    Claim bonus

    Opens indemo.eu

  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 Indemo invite code?

No, you don't need an Indemo invite code to get the Indemo bonus. Signing up through our referral link gives new investors 0.5% cashback as of November 2026. Our referral link is an affiliate link we earn a commission on, not Indemo's refer-a-friend program. The Indemo sign-up form has an invite code field. If you type a code into Indemo's invite code field, you get that code's offer instead of this page's. No promo code, referral code or bonus code is needed either.

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

No, the Indemo bonus is for new investors only. Existing Indemo investors can join November Cashback, which runs until 22 November 2026. Indemo's own cashback campaigns are open to existing investors, and Indemo's campaign terms count existing balance and reinvested repayments as well as new funds.

Can I withdraw Indemo's cashback?

No, Indemo's cashback can't be withdrawn directly. Indemo credits cashback as investment funds, which you invest in Notes. The repayments and earnings from those Notes become free cash you can withdraw.

Do I pay tax on the Indemo bonus?

Whether you pay tax on the Indemo 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 Indemo's refer-a-friend program work?

Indemo's refer-a-friend program pays both an existing investor and the friend they invite, once the friend qualifies, under terms in force since 20 October 2026. A friend qualifies by investing at least €1,000 within 60 days of registering and keeping it on Indemo for 30 days, and then gets a €25 welcome bonus. The inviting investor gets €25 for the first qualified friend, €500 in total for six, and €150 for each friend after that. A friend who invests €20,000 or more within 30 days of their first investment earns each side 1% of that amount instead. Indemo's refer-a-friend bonuses can't be combined with any other Indemo promotion, per the program's terms. A sign-up carries only one referral or creator link, so a new account gets either a friend's referral or the offer on this page.

Can I combine this bonus with Indemo's campaigns?

Indemo's terms don't say whether the offer through the link on this page combines with a running Indemo campaign, as of November 2026. Indemo's campaign terms set the default that campaign cashback can't be combined with other Indemo promotions unless explicitly stated. No Indemo document names the offer through the link on this page as an exception.

Has Indemo offered other bonuses before?

Yes, Indemo has 24 offers open to new investors on record since June 2024. 23 of them are campaigns, and 1 is its standard sign-up offer. The latest campaign, November Cashback, runs until 22 November 2026. Indemo has started 10 campaigns since November 2025.

What do I invest in on Indemo?

Indemo sells Notes backed by Spanish mortgage debts that were bought for less than the amount owed. The return on Indemo's Notes comes as those debts are collected or settled. Indemo is licensed by Latvijas Banka as an investment brokerage firm.
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