Maclear Bonus 2026: Get 3% Cashback on Your First 90 Days

The Maclear bonus is 3% cashback on what new investors invest in their first 90 days, as of November 2026. Maclear is rated 1.3 out of 5, Not recommended, in the Maclear review.

By Uffe Stjernholm
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Maclear logo

Maclear

1.3/5 · Not recommended

3% cashback

On your investments within 90 days

€60 on €2,000 · +3 percentage points on your first year's return

No holding period · 90 days to invest

Maclear bonus terms ↗ · Checked against Maclear's own pages

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

Claim bonus

Opens maclear.ch

Bonus
3%
Cashback
Required
€50
Platform minimum. No bonus minimum.
Time to invest
90 days
Hold
None
Referral code
None
No code to enter

What is the Maclear bonus?

Maclear pays new investors 3% cashback and a €15 welcome bonus. Maclear’s €30-per-€500 bonus is open to every investor in its native projects, and Maclear’s help centre said in September 2026 that all three can pay out at the same time.

  • 3% cashback on your primary-market investments (new loans bought from Maclear, not from other investors) in your first 90 days, credited as cash once each project reaches Funded status.
  • €15 welcome bonus for a first investment of €50 or more within 7 days of registering, added as a separate investment in the same project.
  • €30 for every €500 you invest in one of Maclear’s native projects, up to €300 per project, also added as a separate investment in that project.

Maclear's 3% is three times 1%, the typical rate among the 20 cashback offers on this site.

Maclear announced a new bonus system on 28 October 2026, with a transition period, and the announcement doesn’t say whether these three programs change.

Maclear’s bonuses are what Maclear pays to win new investors, not a sign of quality, and they say nothing about the projects your money funds.

How to claim on Maclear

  1. Open Maclear's sign-up page

    The claim button on this page opens it.

    Claim bonus ↑
  2. Register and complete verification

    Sign up with your real details and verify your identity.

  3. Invest within 90 days

    Invest in Maclear's projects within 90 days of registering.

What is the cashback worth for your amount?

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€60
Added to your first year's return, once
+3 percentage points

Mistakes that reduce the bonus

Making your first investment after day 7
Maclear pays the €15 welcome bonus only on a first investment made within 7 days of registering.
Buying on the secondary market
Maclear's cashback counts primary-market investments only, so investments you buy from other investors earn none.

Offer history

Maclear has 5 offers open to new investors on record since April 2024. 2 of them are campaigns, and 3 are versions of its standard sign-up offer, one for each change in its terms. The latest campaign, Halloween Boost, ended on 10 November 2026. Maclear has started 2 campaigns since November 2025.

Offers on Maclear
Offer Conditions From Until
3% cashback Invested within 90 days, no holding period RunningVerified 10 Nov 2026Claim
Halloween Boost 0.5–2.5% extra interest €5,000+ invested
July Boost 1.5% extra interest €27,000+ invested
2% cashback Invested within 90 days
1.5% cashback Invested within 90 days

The dates come from Maclear'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 Maclear's offer compares

Maclear's offer pays €60 on €2,000 invested. No other bonus on this site pays more on that amount, and 1 pays the same.

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

    €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 You're here

    €60 on €2,000

    1.3/5 · Not recommended
    Claim bonus

    Opens maclear.ch

  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 a Maclear referral code?

No, you don't need a Maclear referral code to get the Maclear bonus. The Maclear sign-up form has a referral code field, and the Maclear 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 a Maclear account?

No, Maclear's cashback and €15 welcome bonus are for new investors only. Maclear's €30-per-€500 bonus applies to all investors in native projects, up to €300 per project, per Maclear's help centre in September 2026. Existing Maclear investors can still earn more through Maclear's loyalty program.

When do I get the Maclear bonus?

The Maclear bonus is credited when each project is funded.

Which of Maclear's bonuses are paid in cash?

Maclear credits two of its bonuses as cash, the 3% cashback and the 3+3 referral bonus, per Maclear's help centre in September 2026. Maclear's cashback reaches your balance once each project you invested in reaches Funded status, and you can withdraw it or reinvest it. The €15 welcome bonus and the €30-per-€500 bonus arrive as separate investments in the same project, so they pay out as that project repays. Maclear doesn't let you sell those bonus investments on its secondary market.

Do I pay tax on the Maclear bonus?

Whether you pay tax on the Maclear 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 Maclear's 3+3 referral program work?

Maclear's 3+3 referral program pays an existing investor 3% of a friend's primary-market investments and pays the invited friend 3% cashback, per Maclear's help centre in September 2026. Maclear credits the referral bonus once the friend's project reaches Funded status. The €15 welcome bonus and the €30-per-€500 bonus apply to a new investor whichever way they sign up.

How much do I need to invest for Maclear's bonuses?

€50, Maclear's own minimum investment, is enough for the cashback and the €15 welcome bonus. Maclear's €30 bonus needs €500 invested in one native project and pays €30 for each full €500, up to €300 per project.

Has Maclear offered other bonuses before?

Yes, Maclear has 5 offers open to new investors on record since April 2024. 2 of them are campaigns, and 3 are versions of its standard sign-up offer, one for each change in its terms. The latest campaign, Halloween Boost, ended on 10 November 2026. Maclear has started 2 campaigns since November 2025.

How do Maclear's bonuses work together?

Maclear's bonus programs run independently and can all pay out on the same investment, per Maclear's help centre in September 2026. A first investment of €2,000 in one native project within 7 days of registering earns the cashback, €120 from the €30-per-€500 bonus and €15 from the welcome bonus.
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