TWINO Bonus 2026: Get Up to 2% Cashback for New Clients

The TWINO bonus is 0.5–2% cashback on what new investors invest, as of November 2026.

By Uffe Stjernholm
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TWINO logo

TWINO

3.0/5 · Investable

0.5–2% cashback

On your investments

€10–€40 on €2,000 · +0.5 to 2 percentage points on your first year's return

Keep each investment, unsold, until it repays or the bonus is paid

TWINO bonus terms ↗

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

Ends 22 Nov 2026

Claim bonus

Opens twino.eu

Bonus
0.5–2%
Cashback
Required
€1
Platform minimum. No bonus minimum.
Time to invest
Until 22 Nov 2026
The offer's last day
Hold
Until payout
Each investment, unsold, unless it repays first
Promo code
None
No code to enter

What is the TWINO bonus?

The TWINO bonus is 0.5–2% cashback on the Loan Securities that new clients buy on TWINO’s primary market, at a rate set by each security’s term. TWINO’s campaign terms for The Golden Cashback pay 2% on 12-month securities, 1% on 6-month securities and 0.5% on 3-month securities, up to €1,000 per client.

TWINO's top rate of 2% is twice 1%, the typical rate among the 20 cashback offers on this site.

TWINO pays the cashback to new clients whether or not they sign up through a partner link, so the link on this page adds no extra bonus. Only clients who had no TWINO account before 14 September 2026 qualify. TWINO’s terms also exclude sign-ups through a friend’s refer-a-friend link and clients who live outside the EU and the EEA.

TWINO’s deadlines depend on the two-week period in which you register. A new client who registers from 9 to 22 November 2026 must enrol in the campaign by 22 November. That client’s qualifying investments are due by 6 February 2027, and TWINO pays the cashback on 8 March 2027.

TWINO pays the cashback to win new clients, so its rate says nothing about how safe the platform is.

How to claim on TWINO

You claim TWINO’s cashback in six steps, and the last one runs until the payout on 8 March 2027.

  1. Register on TWINO

    Register through the link on this page or on TWINO's own site, since the cashback is the same either way. A sign-up through a friend's refer-a-friend link doesn't qualify.

    Claim bonus ↑
  2. Verify your identity and take the assessment

    TWINO verifies your identity through Onfido, from a photo of your passport or ID card and a selfie. Its Suitability and Appropriateness assessment comes next, and you must complete it before you can use Auto-Invest.

  3. Enrol in the campaign

    Activate the campaign under Profile → Campaigns by 22 November 2026. TWINO pays no cashback to a client who hasn't enrolled.

  4. Deposit euros

    Deposit by bank transfer or Pay by Bank from an EU or EEA account in your own name. TWINO says a bank transfer is credited within 2 business days on average.

    About 2 business days
  5. Buy 3-, 6- or 12-month Loan Securities by 6 February 2027

    Buy them on the primary market, by hand or through Auto-Invest. Securities bought from other investors, FLEXI and securities with other terms earn no cashback.

  6. Keep the securities until the payout

    Keep each security, without putting it up for sale, until its repayment date or 8 March 2027, when TWINO pays the cashback into your account after tax is withheld.

    8 Mar 2027

What is the cashback worth for your amount?

TWINO’s cashback depends on how long the securities you buy run, so the calculator shows the range from 3-month securities only to 12-month securities only.

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€10–€40
Added to your first year's return, once
+0.5 to 2 percentage points

Mistakes that reduce the cashback

Registering through a friend's link
TWINO's campaign terms exclude clients who register through a refer-a-friend link, so that sign-up earns no cashback from the campaign.
Investing before you enrol
TWINO's campaign terms pay cashback on investments made after you activate the campaign under Profile → Campaigns, so enrol before your first purchase.
Letting Auto-Invest buy other terms
TWINO's Auto-Invest buys any term from 1 to 12 months that your settings allow, and only 3-, 6- and 12-month securities earn cashback.
Selling before the payout
A security you sell, or put up for sale, on the secondary market before its repayment date or 8 March 2027 earns no cashback.

Offer history

TWINO has 15 offers open to new investors on record since April 2020. 14 of them are campaigns, and 1 is its standard sign-up offer. The current offer is itself a campaign, running until 22 November 2026. TWINO has started 4 campaigns since November 2025.

Offers on TWINO running now or ended since November 2025
Offer Conditions From Until
0.5–2% cashback New investments only, each kept unsold until it repays or the bonus is paid, capped at €1,000 Verified 10 Nov 2026Claim
The Sunny Cashback 0.5–2% cashback Invested within 90 days
Spring cashback! 2% cashback Unknown
New Year, New Goals! 0.5–2% cashback Invested within 90 days
Offers that ended before November 2025 (11)
Offers on TWINO that ended before November 2025
Offer Conditions From Until
Securities for funding 2% cashback Unknown
Securities for funding 2% cashback Unknown
Polish Loan Securities 2% cashback Unknown
Polish Loan Securities 2% cashback Unknown
Polish Loan Securities 2% cashback Unknown
Polish Loan Securities 2% cashback Unknown
Real Estate Cashback 5% cashback Unknown
€20 bonus €100+ invested
Real Estate Cashback 5% cashback Unknown
Polish Loan Securities 2% cashback Unknown
Auto-Invest Cashback 1% cashback Unknown

The dates come from TWINO'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 TWINO's offer compares

TWINO's offer pays €10 to €40 on €2,000 invested, depending on how long the investments run. Counted at its lowest figure, €10, 13 of the other 23 bonuses on this site pay more, 5 pay the same and 5 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 You're here

    €10–€40 on €2,000

    3.0/5 · Investable
    Claim bonus

    Opens twino.eu

  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

    €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 TWINO promo code?

No, you don't need a TWINO promo code to get the TWINO bonus. TWINO pays the TWINO bonus to new clients whether or not they sign up through a partner link, so the link on this page adds no extra bonus. New clients who register through a friend's refer-a-friend link can't get the TWINO bonus. No referral code or bonus code is needed either.

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

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

When do I get the TWINO bonus?

TWINO pays the TWINO bonus on 8 March 2027 to new clients who register from 9 to 22 November 2026, according to TWINO's campaign terms. TWINO credits the cashback to your TWINO account after tax is withheld. TWINO pays it only on securities you still own, and haven't put up for sale, on their repayment date or the payout date.

Do I pay tax on the TWINO bonus?

Whether you pay tax on the TWINO 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 TWINO bonus?

€1 is the least you can invest to get the TWINO bonus. €1 is TWINO's own minimum, and the bonus sets no minimum of its own. TWINO's cashback is capped at €1,000.

Has TWINO offered other bonuses before?

Yes, TWINO has 15 offers open to new investors on record since April 2020. 14 of them are campaigns, and 1 is its standard sign-up offer. The current offer is itself a campaign, running until 22 November 2026. TWINO has started 4 campaigns since November 2025.

Which TWINO investments count toward the bonus?

Loan Securities with a term of 3, 6 or 12 months count toward the TWINO bonus when you buy them on TWINO's primary market, as of November 2026. TWINO pays 2% on 12-month securities, 1% on 6-month securities and 0.5% on 3-month securities. FLEXI, securities with other terms and securities bought from other investors earn no cashback.
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