Grupeer Review


Earn on average 13.20% interest per year.
Your investment is secured by a 60-day buyback guarantee.






  • Invest business and development loans
  • Minimum investment from €10
  • 60-day buyback guarantee
  • Good ratio between returns and risk


Risk & Return3 stars
Usability4 stars
Liquidity2 stars
Support4 stars


Buyback GuaranteeYes
Auto InvestYes
Secondary MarketNo


Min. Investment€ 10
Loan Originators22
Loan Period2 - 24 months
Interest10% - 14%


  • High availability of B2B loans
  • Good diversification
  • Buyback also covers accrued interest
  • No instant withdrawals
  • No secondary market
  • No bonus for new investors

Grupeer Review

Grupeer is a Latvian peer-to-peer (P2P) lending platform that lists business and development loans protected by the 60 day buyback guarantee. Investors choose Grupeer for its average interest of13% per year, its high availability of loans, and good diversification options through itsAuto Invest tool.

Keep reading our in-depth Grupeer review to find out whether this platform is the one for you.

grupeer review

Grupeer in Numbers

Grupeer’s statistics will give you a quick overview of the company’s past performance.

Grupeer Statistics
Operating since:2017
Investor's earnings:+ €3.8 M
Total loan value:+ €43 M
Amount of investors:+24,000
Loss of investors' money:0%
Average portfolio size:€3,446
Latest financial reportReport for 2018

Grupeer has grown exponentially since it was founded in 2016. With over 20,000 investors and a total loan value exceeding €66 million, Grupeer certainly isn’t a small P2P lending platform anymore.

Despite the number of investors on the platform continuing to grow , Grupeer isn’t a profitable platform at the moment. While this isn’t necessarily a red flag as many of the leading P2P lending platforms in the Baltics weren’t profitable the first few years of operations, this is something you should keep in mind.

Grupeer Promo Code

Many P2P lending sites offer promo codes, referral codes, cashback and sign up bonuses for new investors, however, as it currently stands Grupeer doesn’t offer any of these rewards Loans with an average interest of 13% per year, backed by the buyback guarantee should give you enough incentive to invest on Grupeer.

grupeer cashback

Grupeer is one of the platforms, however, that offer temporary cashback bonuses for investors that invest in certain loans.

Increased interest until 26th of February

Grupeer is celebrating its third birthday. As a reward to the loyal investors, Grupeer increased the interest on loans from individual loan originators until the 26th of February 2020.

Earn increased interest up to 14% with loans from the following loan originators: EpicCash, Monetria, Finsputnik Platforma, Lion Lender, PlanetaCash, CashU Finance, RightChoice Finance, DoZarplati, eMkopo, Pozyczka Piendzy.

Looking for a P2P lending platform that offers a sign-up bonus? Check out Bondster , Mintos and EstateGuru instead.

Don't mind the bonus?

Grupeer User Requirements

All new users on Grupeer must be over 18 years old and hold a bank account within any of the countries in the European Economic Area, or in Switzerland, Norway, or Liechtenstein.

While there are no limitations regarding your residency, you do need to be able to pass Grupeer’s verification process, which includes uploading a copy of your ID if you want to access all of Grupeer’s features.

The verification takes a maximum of two days, and transferring money to Grupeer from our N26 account also took two days.

Prefer to use TransferWise? That’s totally fine too! But, when using TransferWise, make sure you only send money from your borderless account, as if you use the money transferring service your deposit won’t be allocated to your investor’s account.

Risk and Returns Involved with Grupeer

There are always risks when investing your money in P2P loans, which is why it’s important to know how your investment is protected. While some platforms have protection, the type of protection the platform offers depends on the type of loans available. For example, EstateGuru’s real estate loans are secured by a mortgage. Meanwhile, other platforms - like Bondora or Fellow Finance - don’t offer any protection at all.

When investing on Grupeer, you’re investing in business or development loans. While on Monethera or Crowdestor the loan description includes information about the protection scheme, such as commercial collateral or mortgage, most of the time you’ll find that this information isn’t displayed on Grupeer.

Grupeer’s Buyback Guarantee

All P2P loans on Grupeer are secured by a buyback guarantee. Grupeer’s buyback guarantee is activated when loans are more than 60 days delayed. The loan originator buys investors’ claims back and refunds them the outstanding balance as well as the delayed interest.

This is important as not all P2P platforms have the same buyback guarantee. Some loan originators on Mintos don’t pay out the interest for delayed payments.

Is Grupeer Safe?

Grupeer’s buyback guarantee seems to be a reliable protection scheme as the platform’s stats show that no investors have lost any of their money so far.

Past performance, however, does not guarantee future outcomes, and it’s always good practice to diversify your investments as much as possible to minimize the risk of default. On Grupeer, you can diversify your investment across various loan types and 17 countries.

Grupeer’s Usability

Grupeer’s user interface is very similar to Envestio, but with a few improvements. The overall structure on Grupeer is better and the diversification options within the Auto Invest feature give more flexibility.

Multiple Languages

The platform is translated into French, Spanish and German, which is useful if you prefer to navigate in other languages than English. Grupeer gives you the option to invest manually or automate your investment with the Auto Invest tool.

Grupeer’s Auto Invest Tool

Grupeer gives you the option to automate your investment strategy based on your preferences. Setting up the Auto Invest takes only two minutes.

You simply choose the loan types, countries, loan originators, interest rate interval, period and max. investment amounts such as the repayment period. Then, simply confirm your preferences and you’re good to go!

Grupeer will also show you the number of loans that match your criteria. Unlike Mintos's, Grupeer’s feature actually works.

grupeer auto invest


One thing that lets Grupeer down is the platform’s lack of a secondary market. This is troublesome for investors who want to withdraw their investment before the end of the loan period.

Keep your eyes peeled though, as Grupeer is working toward introducing a secondary market on their platform in the near future!

If you consider yourself a short-term investor, we suggest you invest money on platforms such as Mintos or PeerBerrywhere you’ll get a much higher liquidity. It’s important to notice, however, that Grupeer currently offers loans with a higher average interest than these platforms.

Customer Support

Grupeer’s support is very responsive. When collecting additional information that we wanted to include in our Grupeer Review, we received a reply within only two hours.

The quality of the response is, however, not as high as that on PeerBerry or Mintos. Grupeer failed to provide an answer for the total earned interest by investors to date.

You can reach Grupeer’s support via their live chat feature on their website or by emailing their support team at

Grupeer vs. Mintos

Grupeer and Mintos are often compared within the P2P investor community. Mintos mainly focuses on listing short-term, unsecured loans backed by the buyback guarantee, while Grupeer primarily lists business loans and development projects.

Both companies offer a buyback guarantee which is the primary protection scheme for investors’ investments.

Here’s what you should take into account when relying on the platforms’ buyback guarantees.

  • On Grupeer the loan originator is required to pay you the outstanding balance as well as the delayed interest.
  • On Mintos, this solely depends on the loan originator. If you invest in loans, where the loan originator only pays back the outstanding balance but not the delayed interest, you lower your returns.

While you can, in theory, select loan originators individually within the Mintos Invest and Access feature, a lot of the time this won’t help as there aren’t as many loans available, which will only cause further cash drag.

Check the table below for the main differences between Grupeer and Mintos:

Number of investors:+ 21,000+ 220,400
Minimum investment amount:€10€10
Protection scheme:Buyback Guarantee (60 days + interest)Buyback Guarantee (60 days + interest for some of the loans)
Average interest:13.18%11.83%
Useful tools:Auto InvestInvest and Access, Mintos Investment Strategies, Auto Invest
Countries you can invest in:1732
Number of loan originators13762

Grupeer Review | Final Thoughts

Overall, Grupeer left us with a very positive impression.

The Platform’s Positives:

The sign-up is simple, transferring funds is an easy process , investing in loans only takes two minutes and the yield is on average around 13% per year.

Our investments on Grupeer are backed by the buyback guarantee which helps to cover the delayed interest. The diversification is very impressive when compared to other platforms such as Envestio or Crowdestor which also help to fund business loans.

Furthermore, there are currently no cash drag issues, as there are enough loans available for investors. For this reason, we recommend investors who are looking for alternatives to Mintos or Bondora to seriously consider Grupeer as their primary P2P lending platform.

Downsides to Using the Platform:

The only downside that we noticed with Grupeer is that there isn’t a secondary market yet. This means that investors need to rely on the buyback guarantee rather than any commercial collateral or mortgage which fundamentally offers better protection. As soon as this changes, we will update our Grupeer review.

Ticking a lot of your boxes?


How is my investment on Grupeer protected?

Your investment on Grupeer is secured by a buyback guarantee. If the borrower is delayed with its loan payments by more than 60 days, the loan originator will refund you the outstanding loan balance together with the delayed interest.

What’s the minimum investment amount?

The minimum investment amount on Grupeer is only €10 which makes it very easy for all investors, even those only investing small amounts, to diversify their portfolio.

Is there a secondary market on Grupeer?

Currently, there is no secondary market on Grupeer. The P2P lending platform, however, is planning to introduce a secondary market soon.

Does Grupeer offer an Auto Invest feature?

Grupeer offers an Auto Invest feature which you can use to set up your preferences and automate your investment strategy. Grupeer is a very good option for passive P2P investors.

Company Information
Company:Grupeer Limited
Address:The Black Church St. Mary’s Place, Dublin, D07P4AX, Ireland
Phone:+353 1 960 1199
Live Chat:yes
Opening Hours:Weekdays from 9AM to 4PM
Social Media:Facebook, Twitter, LinkedIn