P2P Lending Services Open to International, Non-Resident Investors

If you are living in the UK then there is an abundance of available p2p lending services available for you to invest into. However for most other countries, even developed European markets, there are few or even none p2p lending services operating in. Quite often I receive emails from readers that ask which platforms are open for international investors, so I decided to create this information page.

Why invest in p2p lending abroad?

Aside form the obvious reason (being, that there is no p2p lending market in the country the investor resides in), there are several other reasons even if there is a local service:

  • Diversification
  • More features (e.g. a secondary market or secured loans or more better data)
  • (Perceived) better risk-reward ratio

What is meant by ‘open to international, non-resident investors’

Some platforms say, yes we are open to international investors, but they really mean only large institutional investors. Or they mean expats, because they require a local bank account and a local passport. On this page ‘open’ means the platform is allowing foreign nationals, that reside in a foreign country and have a bank account outside the local market to invest as a retail investor in p2p loans on the platform.

Know your customer, anti money laundering

Legal reasons require the platforms to check identities of investors. For local investors that often is automated. For international investors the platforms typically require the investor to upload document scans (e.g. driving license).

Currency risk and money transfer

Cross-border lending often means that the investor has to bear an additional risk: currency exchange rates fluctuate. But the first issue may arise when transferring money in. Luckily in the Eurozone the SEPA payments are fast and efficient and very low-cost (or even free). If there is a currency exchange necessary, services like Transferwise or Currencyfair might be cheaper options than a bank transfer.


Obviously investors will have to check if legislation in their home country allows them to invest in p2p lending and what the tax implications will be.

The list

I have personally invested on the following platforms as an international investor, meaning I can tell from own experience that the platforms are not only open to international investors but that the process is also functioning well.

bondora-logo-2016bBondora, Estonia, is open to international investors since the end of 2012. Bondora offers p2p loans to consumers (borrowers) in 4 European countries. It is open to international retail investors residing in the European Union, Switzerland and on a case by case basis other countries. It is also open to accredited investors from the US. The currency is Euro. Read my blog coverage on Bondora.

Mintos, Latvia, opened to investors in January 2015. Loans offered by several loan originators in Latvia, Estonia, Lithuania and Georgia. Some loans are secured by assets and/or buyback gurantee. Mintos is open to investors from the European Union, Switzerland and Norway. The currencies are Euro, CZK, PLN, DKK and GEL. Read my blog coverage on Mintos.

Twino logo
TWINO, Latvia, launched in June 2015. TWINO is open to investors from the European Union, Switzerland and Norway. TWINO offers opportunities to invest into consumer loans with a buyout guarantee, thereby reducing risks for investors. The currency is selectable – either Euro or GBP. Read my blog coverage on TWINO.

Finbee logoFinBee
FinBee, Lithuania, launched in August 2015. FinBee is open to investors from the European Union and Switzerland. FinBee is a marketplace with reverse auction for consumer loans and features a compensation fund. The currency is Euro. Read my blog coverage on FinBee.

Viventor logo
Viventor, Latvia, launched in October 2015. Viventor is open to investors from the European Economic Area. Viventor features loans secured by mortgages and short term consumer loans, both covered by a buyback guarantee. The currency is Euro. Read my blog coverage on Viventor.

Zlty Melon
zltymelon-logoZlty Melon, Slovakia, launched in 2013. Zlty Melon is open to international investors form the European Economic Area. Zlty Melon features property loans with a buyback guarantee and consumer loans in Slovakia and the Czech Republic. The currencies are CZK and Euro. Read my blog coverage on Zlty Melon.

crowdestate-logo-150Crowdestate, Estonia, launched in 2014. Crowdestate is open to international investors from anywhere in the world. Crowdestate features high-quality, pre-vetted real estate loans in Estonia. The currency is Euro.



Relendex logoRelendex, UK, (re-)launched in 2016. Relendex is open to international investors, provided they are not US citizens or residents. Relendex offers secured commercial and residential property loans in the UK. The currency is GBP*.

Viainvest logoViainvest, Latvia, launched in 2016. Viainvest is open to international investors with a bank account in the European Union. Viainvest offers a diversified potfolio of European consumer loans secured by buyback guarantee. The currency is EUR*. Read my blog articles on Viainvest.

Klear, Bulgaria, launched in 2016. Klear is open to foreign investors with a bank account in the EEA. Klear is a consumer lending platform offering loans to prime Bulgarian borrowers. The currency is BGN*. Read my blog coverage on Klear.


Learn about bonus offers on our p2p lending cashback page.

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Information for p2p lending services
Inclusion in the above list for services that are open to international retail investors is only 80 EUR per month (plus VAT if applicable; payable in advance for one year). P2P-Banking has a global readership and is a leading resource on information about p2p lending. Aside from winning investors directly, p2p lending marketplaces will benefit by the fact that information & tables compiled on this site are often cited or the contents copied by media and other internet sites, which will lead to even larger awareness for the service. For inclusion please email me. (my Linkedin profile)

*I plan to invest on this marketplace in the future