Independent · No personalised advice · Fact-based

Compare P2P Lending, the stock market and online banks in Europe

Rates, fees, regulation and real risks — no jargon, no return promises. Plus a calculator to project your compound interest.

Compare P2P →Calculate my interest

🔒 Informational content only — not investment advice.

platforms analysed

interactive comparators

criteria per platform

100%

factual & transparent

Simulator

Project your compound interest

A starting amount, a monthly contribution, an average rate: see the growth and export the table.

Your parameters

Starting amount (€)

Monthly contribution (€)

Average annual rate (%)

Duration

Potential value

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Amount invested

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Estimated interest

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Theoretical projection at a constant rate. Excludes taxes, defaults and market swings. Not investment advice.

Three worlds, one goal

See clearly before investing

We compare savings, investment and banking solutions on objective criteria. You decide.

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P2P Lending

17 crowdlending platforms: historical rates, minimum ticket, regulation, secondary market.

Compare P2P →

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Stocks & Banking

20 brokers, neobanks and crypto platforms: fees, PEA, markets, regulation.

Compare Stocks & Banking →

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Understand the risks

How the site is built, its limits and how platforms are selected.

Read the FAQ →

What you should know

Frequently asked questions

Transparency on our method, the risks and the site's business model.

Does this site give investment advice? +

No. Smart Finance Guide only provides factual information and comparisons. No personalised recommendation is given: every decision is yours and should reflect your situation.

How does the site make money? +

Some links to platforms are affiliate links: if you open an account through them, the site may earn a commission at no extra cost to you. These links are disclosed.

Is P2P lending risky? +

Yes. Crowdlending carries a risk of capital loss, borrower default and platform failure. Several European platforms have gone bankrupt. Displayed rates are historical and guarantee nothing.

What does “regulated” mean? +

A regulated platform holds a licence (investment firm, IBF licence, PSFP approval…). This imposes obligations but does not remove the risk of loss.

How are platforms selected? +

We include notable European platforms, active or historically important, accessible to retail investors. Closed or defaulted platforms are kept for transparency.

Is the interest calculator reliable? +

It is a theoretical compound-interest projection, for educational purposes. It assumes a constant rate and ignores taxes, defaults and market variations.

Disclaimer. This site contains affiliate links (advertising). Content is provided for information only and does not constitute personalised investment advice. Investing involves risks, including total loss of capital. Past performance does not guarantee future results.

Blog

Guides & analysis

Educational, factual articles to understand investing in Europe.

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Getting started with P2P Lending

The 2026 step-by-step guide: choosing, diversifying, managing risk and taxes.

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PEA or brokerage account?

Taxation, investment universe and use cases to choose the right envelope.

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Spotting a risky platform

The 8-point checklist drawn from past failures (Envestio, Grupeer…).

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