P2P Lending in Italy: 21 Best Platforms Ranked (2026)

Local platforms in Italy

Italy has an active domestic platform scene, and it spans property, green-energy, and consumer lending. Trusters, part of the CrowdFundMe group, funds short-term property deals. Ener2Crowd channels retail money into green-energy projects, through both loans and equity stakes. Prestiamoci matches private lenders with Italian personal loans, and handles the collection work on them. Soisy merged into Compass Banca in January 2024, and its services were permanently discontinued. Rendimento Etico, a property-lending platform, has asked CONSOB to cancel its crowdfunding registration and is moving its investors’ positions to EvenFi, a Spanish-regulated crowdlending platform.

None of Italy’s platforms has been through our review process yet, and the ranking carries only platforms we have reviewed. Every cross-border platform in it accepts Italian investors, under home-country rules. The three strongest are Mintos, Go & Grow, and VIAINVEST.

Euros, with no conversion step

The platforms in this ranking operate in euros, and Italy is in the eurozone. Funding an account is an ordinary SEPA transfer from a Italian bank, with no currency conversion anywhere in the chain.

Returns arrive in euros too, so what you see in this ranking is what you measure at home. The exchange-rate exposure that non-euro investors carry doesn't apply.

Regulation in Italy

Italy licenses its domestic platforms through CONSOB under the EU crowdfunding regime — Trusters and Ener2Crowd both hold that authorisation — and cross-border platforms don’t need an Italian one. A platform licensed under MiFID II or the EU crowdfunding regime answers to its home-country regulator, and that licence passports across the EU. CONSOB licenses none of the platforms in this ranking, and neither does the Bank of Italy, whose register of financial intermediaries covers Prestiamoci instead.

11 of the 21 hold a MiFID II or ECSP licence, and crowdfunding licences can be checked in ESMA's register. The other 10 operate unregulated, which our Safety dimension prices in.

P2P investments sit outside the €100,000 bank deposit guarantee, and no scheme anywhere covers loans that default. The 5 MiFID II platforms in this ranking (Mintos, VIAINVEST, Nectaro, TWINO, and Debitum) are members of national investor compensation schemes under EU Directive 97/9/EC, which pay up to €20,000 if the firm itself fails to return your instruments or cash. An ECSP licence brings conduct rules but no compensation scheme, and the unregulated platforms carry neither.

How P2P returns are taxed in Italy

Italian tax residents pay progressive income tax on interest from loans made or bought through the platforms in this ranking, at 23% up to €28,000, 33% to €50,000, and 43% above, plus regional and municipal add-ons, per the Agenzia delle Entrate. A flat 26% on P2P interest exists in Italian law, but only a platform run by an intermediary authorised by the Bank of Italy can apply it as a withholding at source. The platforms in this ranking sit abroad, outside that regime, so loan interest goes into the annual tax return at the full rates. Interest on notes, the securities some platforms sell instead of loans, may instead fall under Italy’s 26% tax on foreign securities income, and the Agenzia’s P2P rulings cover loans, not notes, so confirm their treatment with the Agenzia or an adviser.

13 of the 21 platforms in this ranking withhold nothing at their end either, so the Italian tax is settled entirely through the return. Accounts on foreign platforms are also declared as foreign financial assets in the return’s monitoring section, per the Agenzia delle Entrate’s guidance on platforms outside the Italian regime. Holdings you can resell, on a platform’s secondary market or as notes, also owe Italy’s 0.2% tax on foreign financial assets, at their nominal value. Where tax is withheld abroad, by a platform or by a borrower or loan originator in its own country, Italy credits tax withheld on loan interest against the Italian tax on the same income. Notes taxed under the 26% regime earn no credit for tax withheld abroad. The per-platform withholding row sits in each review’s fee table.

Savings-style products that pay their return as the price at which they buy back the loan claims you hold may be taxed differently, so check that treatment with the Agenzia delle Entrate or an adviser.