Modena Bonus 2026: Get €25 + 1% Cashback on Your First 120 Days

The Modena bonus is €25 plus 1% cashback for new investors in their first 120 days, as of November 2026.

By Uffe Stjernholm
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Modena

Not reviewed yet · Unregulated

€25 bonus + 1% cashback

In your first 120 days

€45 on €2,000 · +2.25 percentage points on your first year's return

Keep €200 invested until day 90 for the €25

Modena bonus terms ↗

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

Claim bonus

Opens modena.capital

Bonus
€25 + 1%
Flat bonus + cashback
Required
€50
For the 1%. The €25 needs €200.
Time to invest
120 days
Hold
Day 90
Keep €200 invested, for the €25
Promo code
None
No code to enter

What is the Modena bonus?

Modena Capital, Modena’s P2P investment platform, pays new investors 1% cashback on what they invest in their first 120 days, plus a €25 bonus after day 90. Modena calls the offer its Newcomers Bonus.

Modena gives you 120 days to invest, more than any other bonus on this site with a set number of days.

Modena’s cashback builds up day by day and is paid out in parts during the window, not in one payment at the end. Modena caps the cashback at €1,000.

The €25 needs at least €200 kept invested until day 90.

How to claim on Modena

  1. Open Modena through the claim button

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

    Under a minute Claim bonus ↑
  2. Verify your identity

    Have an ID document and a selfie ready for Modena's identity check.

    A few minutes
  3. Deposit and choose a vault

    Send a bank transfer to your Modena account and place the money in a vault. The Dynamic Vault lets you withdraw with 30 days' notice, and the Fixed-Term Vault locks the money for 12 months.

  4. Keep the money invested

    Leave at least €200 in the vault until day 90 to get the €25. Keep your money invested until day 120 for the full cashback.

  5. Collect both rewards

    Cashback instalments arrive while the window runs, and the €25 follows at the end of day 90.

    During the window

What is the bonus worth for your amount?

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€45
Added to your first year's return, once
+2.25 percentage points

Mistakes that cost you the bonus

Dropping below €200 before day 90
A withdrawal that leaves less than €200 invested before day 90 cancels the €25. The cashback you've earned so far stays yours.
Withdrawing before the window ends
Modena calculates the cashback only for the time your money stayed invested, so money taken out early earns less of it.

Offer history

Modena has 3 offers open to new investors on record since September 2025.

Offers on Modena
Offer Conditions From Until
€25 bonus + 1% cashback €25 on €200+ invested, kept invested to day 90 · 1% within 120 days RunningVerified 10 Nov 2026Claim
€25 bonus + 1% cashback €25 on €50+ invested, kept invested to day 90 · 1% within 120 days
€25 bonus + 1% cashback €25 on €50+ invested, kept invested to day 90 · 1% within 90 days

The dates come from Modena'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 Modena's offer compares

Modena's offer pays €45 on €2,000 invested. Of the other 23 bonuses on this site, 2 pay more on that amount and 21 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 You're here

    €45 on €2,000

    Not reviewed yet · Unregulated
    Claim bonus

    Opens modena.capital

  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

    €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 a Modena referral code?

No, you don't need a Modena referral code to get the Modena bonus. No promo code or bonus code is needed either.

Can I get the bonus if I already have a Modena account?

No, the Modena bonus is for new investors only. The sign-up bonuses of other platforms are listed under all P2P bonuses.

When are Modena's cashback and €25 paid out?

Modena pays the cashback in parts as you earn it, and the €25 at the end of your first 90 days, as of November 2026.

Do I pay tax on the Modena bonus?

Whether you pay tax on the Modena 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 much do I need to invest to get the Modena bonus?

€50 is the least you can invest to get the 1% cashback of the Modena bonus. €50 is Modena's own minimum, and the cashback sets no minimum of its own. The €25 part of the Modena bonus needs €200 invested. Modena's 1% cashback is capped at €1,000. Modena pays the €25 only if at least €200 stays invested for the full 90 days.

Has Modena offered other bonuses before?

Yes, Modena has 3 offers open to new investors on record since September 2025.

How is Modena's cashback calculated?

Modena's cashback is 1% of what you invest during its cashback window, as of November 2026. Modena's cashback builds up day by day, and Modena pays it in parts. Money withdrawn early earns cashback only for the time it stayed invested. Modena's own example puts €5,000 invested at €50 of cashback, plus the €25.

Is Modena's cashback capped?

Yes, Modena caps the cashback at €1,000, as of November 2026. Modena's own example reaches the cap at €100,000 invested, and the €25 comes on top.

What am I investing in on Modena?

On Modena you buy debt claims from Modena Estonia OÜ against consumers who used its credit or buy-now-pay-later financing, as of November 2026. Modena's help pages say Modena buys a claim back automatically about 35 to 90 days after the consumer misses a repayment, depending on the claim type. Modena Estonia OÜ is a licensed creditor supervised by Estonia's Financial Supervisory Authority, and Modena's own site says it isn't an investment firm or a crowdfunding platform operator.
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