Mintos
Recommended4.0/5
Seven of my loan originators failed and I still came out ahead, which is why it's where I'd point serious money first.
8–12% €50 min MiFID II Buyback
Return 8–12% Min €50 Regulation MiFID II Protection Buyback
P2P Lending in Switzerland: 21 Best Platforms Ranked (2026)
P2P lending in Switzerland runs on two tracks — a domestic crowdlending scene in francs, and Europe's cross-border platforms in euros. 13 of the 21 platforms in this ranking accept Swiss investors. The platforms operate EU-wide, most of them across the whole EEA. We've scored all 21 on the same four dimensions we apply everywhere, with our own money on the top picks. Platforms we rate Not recommended stay in the ranking, with a link that only names the platform.
P2P lending platforms available in Switzerland
13 of the 21 P2P lending platforms in this ranking accept investors from Switzerland. The loans span consumer, business, real-estate, and agricultural lending. Minimum investments start at €1 and run to €1,000. Advertised returns range from 6% to 16% per year. 11 of the 21 hold a MiFID II or ECSP licence, and the other 10 operate unregulated. The oldest platform here has taken investor money since 2014, the newest since 2023.
This is the same ranking that anchors our European P2P platform ranking. Availability doesn't change the verdicts. Every verified sign-up bonus is listed in the P2P bonus overview, and every market we cover is in P2P lending by country.
-
-
Go & Grow
Recommended3.8/5
Delivers exactly the 6% it advertises, with zero effort required.
Up to 6% €1 min Unregulated None
Return Up to 6% Min €1 Regulation Unregulated Protection None
-
VIAINVEST
Investable3.4/5
Licensed, fee-free notes that pay their coupons. The term filter decides your rate.
9–13% €50 min MiFID II Buyback
Return 9–13% Min €50 Regulation MiFID II Protection Buyback -
InRento
Investable3.3/5
InRento registers each mortgage for its investors, as their representative. No InRento mortgage had been enforced by October 2026, and two Polish loans went into recovery that autumn.
9.25–11.5% €500 min ECSP Mortgage
Return 9.25–11.5% Min €500 Regulation ECSP Protection Mortgage -
LANDE
Investable3.3/5
Farm loans, mostly against land or machinery, where defaults have become years, not losses.
9–12% €50 min ECSP Mortgage
Return 9–12% Min €50 Regulation ECSP Protection Mortgage -
Income Marketplace
Investable3.1/5
Buybacks work while its loan originators can pay, but one 2022 default is still only partly repaid.
7–15% €10 min Unregulated Buyback
Return 7–15% Min €10 Regulation Unregulated Protection Buyback -
Nectaro
Investable3.0/5
Coupons paid to the cent under a Latvian licence, but every note funds Nectaro's own DYNINNO group, whose parent company is the largest borrower.
10–14% €50 min MiFID II Buyback
Return 10–14% Min €50 Regulation MiFID II Protection Buyback -
PeerBerry
Investable3.0/5
Its loan originators repaid their war-hit loans in full, but PeerBerry couldn't keep my portfolio invested.
8.5–10% €10 min Unregulated Buyback
Return 8.5–10% Min €10 Regulation Unregulated Protection Buyback -
TWINO
Investable3.0/5
Licensed in Latvia, but every new security is repaid by one Polish card company.
6–12% €1 min MiFID II None
Return 6–12% Min €1 Regulation MiFID II Protection None
-
Robocash
High risk2.8/5
No reported freeze since its 2017 launch, on a group with $4.25M of equity against $82.8M owed to investors at the end of 2024.
8–10.5% €10 min Unregulated Buyback
Return 8–10.5% Min €10 Regulation Unregulated Protection Buyback -
Monefit
High risk2.7/5
Pays exactly its advertised rate, but every claim comes from one lending group, with no regulator or buyback behind it.
7.5–10.52% €10 min Unregulated None
Return 7.5–10.52% Min €10 Regulation Unregulated Protection None -
InSoil
High risk2.6/5
Publishes its default figures, and they show 11.19% of its loans defaulting in an average year.
11–15% €100 min ECSP Mortgage
Return 11–15% Min €100 Regulation ECSP Protection Mortgage -
Letsinvest
High risk2.6/5
First-rank mortgages under a Bank of Lithuania licence, but a €1,000 ticket earns each loan's lowest rate and the only loan marked late sits beside a 0% default counter.
7.5–10.5% €1,000 min ECSP Mortgage
Return 7.5–10.5% Min €1,000 Regulation ECSP Protection Mortgage -
Lendermarket
High risk2.3/5
Creditstar's group guarantee backs its loans' buyback, but most loans on offer sit outside the licence and the top rates demand multi-year lock-ins.
Up to 15% €10 min ECSP Buyback
Return Up to 15% Min €10 Regulation ECSP Protection Buyback -
Esketit
High risk2.0/5
Each loan's assignment agreement is readable, but no auditor checks the platform's own accounts. Its founders own the loan originators behind most of the money on offer.
7–12% €10 min Unregulated Buyback
Return 7–12% Min €10 Regulation Unregulated Protection Buyback
-
Debitum
Not recommended1.6/5
Licensed in Latvia, but two-thirds of its book funds one forest fund and its sister fund, and Flow's early exit is a request the issuer may refuse.
9–15% €10 min MiFID II Collateral
Return 9–15% Min €10 Regulation MiFID II Protection Collateral -
Hive5
Not recommended1.5/5
Every loan comes from companies Hive5 places in its own group, and the group's audited accounts carry a going-concern warning.
13–16% €10 min Unregulated Buyback
Return 13–16% Min €10 Regulation Unregulated Protection Buyback -
Estateguru
Not recommended1.3/5
About two-thirds of the money out on loan was late or in recovery in October 2026, and the secondary market Estateguru closed in August had no announced reopening by November.
8–11% €50 min ECSP Mortgage
Return 8–11% Min €50 Regulation ECSP Protection Mortgage -
Lonvest
Not recommended1.3/5
Every loan originator belongs to the group Lonvest calls its own, none shows audited accounts, and no published contract contains the "group guarantee" Lonvest markets.
9–13% €50 min Unregulated None
Return 9–13% Min €50 Regulation Unregulated Protection None -
Maclear
Not recommended1.3/5
Its own terms say investor funds aren't privileged if the platform fails.
12–15% €50 min Unregulated Collateral
Return 12–15% Min €50 Regulation Unregulated Protection Collateral -
Loanch
Not recommended1.0/5
Double-digit rates, almost all of the money with one Fingular loan originator, and deposits unavailable for more than 11 weeks in 2026.
Up to 14.5% €10 min Unregulated Buyback
Return Up to 14.5% Min €10 Regulation Unregulated Protection Buyback
Local platforms in Switzerland
Switzerland has an active domestic crowdlending scene, and it lends in francs. LEND runs personal loans, SME loans, and mortgages with an open investor side. Cashare, the Swiss crowdlending pioneer, funds private, business, and mortgage loans. CG24 operates a lending marketplace across SME, real-estate, and private credit, and Crowd 4 Cash runs consumer and SME loans from Zug.
One Swiss platform is in this ranking, and it is the cautionary tale. Maclear, an SME project platform registered in Switzerland, markets itself as Swiss-regulated, but holds no financial-market licence — its SRO membership under anti-money-laundering law is not investor supervision — and it is rated 1.3 of 5 in this ranking. The domestic scene above has not been through our review process, and the ranking carries only platforms we have reviewed. The three strongest are Mintos, Go & Grow, and VIAINVEST.
Euros and exchange risk
The platforms in this ranking operate in euros. None offers franc accounts. Funding an account is a euro bank transfer. Swiss banks send SEPA payments in euros, or a multi-currency account converts your francs first.
Returns arrive in euros too, so a franc-based investor carries CHF/EUR exchange exposure on top of platform risk. That cuts both ways over a holding period — the euro returns shown in this ranking aren't what you'll measure in francs. The domestic platforms above lend in francs, with no conversion step.
Regulation in Switzerland
Switzerland supervises its financial markets through FINMA, and no platform in this ranking holds a FINMA licence. The EU licences here don’t reach into Switzerland either. A platform authorised under MiFID II or the EU crowdfunding regime answers to its home-country regulator, that licence passports across the EU, and Swiss investors join as customers from outside the EEA — which is why several platforms in this ranking don’t accept them at all.
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 Switzerland
Swiss tax residents pay ordinary income tax on P2P interest, taxed together with their other income rather than at a flat rate, under the federal income tax act. Switzerland taxes interest from loan claims, notes and crowdfunding loans the same way. Switzerland’s 35% withholding tax covers interest on bonds from Swiss issuers and on Swiss bank deposits, so interest from foreign borrowers and issuers carries no Swiss tax deduction and is declared in the annual tax return. The portfolio also counts toward taxable wealth for the cantonal wealth tax, at its value at the end of the year.
13 of the 21 platforms in this ranking withhold nothing at their end either. Where tax is withheld abroad, by a platform or by a borrower or loan originator in its own country, Switzerland credits only the part the double-tax treaty lets that country keep, 10% for Latvia, and only once the year’s creditable foreign tax tops CHF 100. Tax withheld above the treaty rate has to be reclaimed from the source country. 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 your cantonal tax administration or an adviser.
Frequently asked questions
Can Swiss investors use these P2P platforms?
13 of the 21 platforms in this ranking state terms that accept investors from Switzerland. VIAINVEST, LANDE, Nectaro, TWINO, InSoil, Letsinvest, and Estateguru state rules that don't cover Switzerland, and InRento publishes no rule that covers Switzerland, so eligibility shows at signup.
Can I invest in Swiss francs (CHF)?
No, the platforms in this ranking operate in euros, with no franc accounts. Franc investors convert on the way in and carry the CHF/EUR exchange rate on top of platform risk.
Is P2P lending legal in Switzerland?
Yes, P2P lending is legal for Swiss investors, and Switzerland has a domestic crowdlending scene of its own. The cross-border platforms in this ranking accept Swiss investors where their own terms allow it, because Switzerland sits outside the EEA and eligibility is per platform. Supervision sits with each platform's home-country regulator where a licence exists.
Are these platforms supervised by FINMA?
No, not even the Swiss platform in this ranking is. Maclear holds no FINMA licence, and the cross-border platforms answer to their home-country regulators where they are licensed at all. 11 of the 21 in total hold a MiFID II or ECSP licence, with the rest unregulated.
How is P2P lending income taxed in Switzerland?
Swiss tax residents pay ordinary income tax on P2P interest, taxed together with their other income and declared in the annual tax return. Swiss residents also declare the P2P portfolio as taxable wealth for the cantonal wealth tax. Switzerland's 35% withholding tax doesn't apply to interest from foreign borrowers and issuers. 13 of the 21 platforms in this ranking withhold no tax themselves.
What is the minimum investment from Switzerland?
€1 at Go & Grow is the lowest minimum investment on this list. 19 of the 21 platforms start at €100 or less, so testing with a small amount is realistic.