Monefit Bonus 2026: Get a 0.25% Welcome Bonus on Deposits in Your First 90 Days

The Monefit bonus is 0.25% cashback on what new investors invest in their first 90 days, as of November 2026.

By Uffe Stjernholm
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Monefit

2.7/5 · High risk

0.25% cashback

On your investments within 90 days

€5 on €2,000 · +0.25 percentage points on your first year's return

Bonus locked until day 90 · Withdrawing before then can reduce or cancel it

Monefit bonus terms ↗

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

Claim bonus

Opens monefit.com

Bonus
0.25%
Cashback
Required
€10
Platform minimum. No bonus minimum.
Time to invest
90 days
Hold
Day 90
Bonus locked · Withdrawing before then can reduce or cancel it
Referral code
None
No code to enter

What is the Monefit bonus?

The Monefit bonus is a welcome bonus of 0.25% on the money you transfer into Monefit SmartSaver in your first 90 days. Monefit gives the bonus to every new SmartSaver customer, whichever way they sign up. Monefit locks the bonus for your first 90 days, and after that you can withdraw it.

How to claim on Monefit

  1. Open Monefit SmartSaver through the link on this page

    Use the claim button above to open SmartSaver's registration.

    Claim bonus ↑
  2. Register and verify your identity

    Sign up with your real details, then verify your identity with Monefit.

  3. Transfer money in within 90 days

    Monefit counts every transfer you make in your first 90 days toward the bonus, minus what you take out.

  4. Leave the money in until day 90

    After day 90 the bonus is yours to withdraw or keep in SmartSaver.

What is the bonus worth for your amount?

Monefit’s offer is set as a percentage, so what it’s worth grows with the amount you transfer in during your first 90 days.

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€5
Added to your first year's return, once
+0.25 percentage points

Mistakes that reduce the bonus

Withdrawing before day 90
Under Monefit's terms, money you withdraw from SmartSaver before day 90 takes the matching part of the bonus with it.

Offer history

Monefit has 3 offers open to new investors on record since October 2023.

Offers on Monefit
Offer Conditions From Until
0.25% cashback Invested within 90 days RunningVerified 10 Nov 2026Claim
Welcome Bonus 0.25% cashback Invested within 90 days
€5 Welcome Bonus €5 bonus Account opened and verified, no deposit needed

The dates come from Monefit'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. "About" marks a date worked out from other evidence.

How Monefit's offer compares

Monefit's offer pays €5 on €2,000 invested. Of the other 23 bonuses on this site, 19 pay more on that amount, 3 pay the same and 1 pays 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 You're here

    €5 on €2,000

    2.7/5 · High risk
    Claim bonus

    Opens monefit.com

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

    €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 Monefit referral code?

No, you don't need a Monefit referral code to get Monefit's welcome bonus. Monefit gives the welcome bonus to every new SmartSaver customer, whichever way they sign up. The Monefit sign-up form has a referral code field, and the welcome 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 Monefit account?

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

Can I withdraw the Monefit bonus?

Yes, the bonus can be withdrawn once Monefit's 90-day lock on it ends. If you withdraw your own money from SmartSaver before day 90, Monefit takes back the matching part of its welcome bonus.

Do I pay tax on the Monefit bonus?

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

Monefit's refer-a-friend program pays an existing SmartSaver customer and the friend they invite 0.5% each of the friend's SmartSaver balance on day 90, up to €2,500 each. The friend's 0.5% comes on top of Monefit's welcome bonus, under Monefit's refer-a-friend terms. Monefit's terms bar refer-a-friend links from review sites, so this page carries none.

Has Monefit offered other bonuses before?

Yes, Monefit has 3 offers open to new investors on record since October 2023.

How is Monefit's welcome bonus calculated?

Monefit's welcome bonus is 0.25% of every transfer you make into SmartSaver in your first 90 days, minus what you take out. Monefit locks the welcome bonus for 90 days, and if you withdraw before then, Monefit takes back the matching part.
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