Debitum Investments Referral 2026: €20 Free
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Debitum investments
€20 free85MUX
Valid on Debitum investments • Use at checkout
About this offer
- Debitum Investments referral bonus: €20 for you and your referral once €1,000 is invested
- A P2P business-lending (P2B) platform licensed by the central bank of Latvia
- Returns of 11-15% a year on asset-backed loans
- Over €140 million funded and 25,500+ registered investors
- P2P lending carries a risk of capital loss — not a guaranteed savings product
Use code 85MUX at checkout on Debitum investments to get €20 free. This offer is verified and regularly updated.
How to use the Debitum Investments referral
On Debitum Investments, the "promo code" is in fact a referral link: there is no code to copy and paste, just a clickable link that automatically attaches your sign-up to the welcome offer. Click "Get the deal" on this page to reach the sign-up form, create your account, complete identity verification (KYC required), then make a first investment of at least €1,000 to trigger the €20 bonus for you and your referrer. It is a symmetric programme — both sides earn the same amount.
Signing up on Debitum Investments
Sign-up is entirely online and takes a few minutes. You enter your email, choose a password, then complete the identity verification (ID and proof of address) required by EU crowdfunding regulation. Once your account is validated, you can fund your wallet by bank transfer and start investing in business loans. The interface is available in multiple languages and the platform operates under the supervision of the central bank of Latvia.
€20 free with Debitum: what the offer really includes
The Debitum Investments referral offer is straightforward: €20 for you and €20 for your referral, paid once they invest a minimum of €1,000 on the platform. The bonus is credited within one business day of the investment being validated. The programme is attractive for its symmetry: both parties get the same amount. Keep in mind that capital loss is a real risk on any P2P loan — the €20 bonus is not a guaranteed return; it adds to what you invest.
The Debitum Investments offer at a glance
Here is the essential:
| Summary | Detail |
|---|---|
| Referral bonus (referrer + referral) | €20 each |
| Minimum investment required | €1,000 |
| Bonus payment time | 1 business day |
| Code to enter | None (referral link) |
| Regulation | Brokerage licence, Latvia (central bank) |
| Target returns | 11% to 15% a year |
| Fund guarantee | No deposit-guarantee scheme |
When do you receive the Debitum referral bonus?
The €20 bonus is credited to your Debitum account within one business day of the investment condition being met (€1,000 invested by the referral). It appears directly in your available balance on the platform, which you can then reinvest or withdraw by bank transfer. As the referrer, you receive the same bonus as your referral, which makes the programme especially attractive if you are already an active investor.
What loans does Debitum Investments fund?
Debitum Investments is a business-lending (P2B) platform: you lend directly to SMEs across various sectors — forestry, agriculture, construction, leasing and invoice financing (factoring). Each loan is backed by real assets, which provides partial security in case of borrower default. Loan terms typically range from a few months to two years. The referral offer applies as soon as you invest in any loan available on the marketplace, with no asset-type restriction.
Returns and performance on Debitum Investments
The platform advertises nominal rates between 11% and 15% a year depending on the loans selected, averaging around 12% in 2024. These returns are high versus classic savings products, but reflect real risk: possible capital loss if a borrower defaults. Debitum also offers a loyalty programme granting a yield bonus of up to +2% a year for regular investors. To diversify your P2P exposure, PeerBerry or Mintos offer loans with complementary characteristics.
Regulation, conditions and our verdict
Debitum Investments has operated since 2018 and holds, since 2021, an investment-brokerage licence from the central bank of Latvia — a strong regulatory marker in the European P2P space. It has passed €140 million funded and 25,500+ registered investors (2025 data). Note: unlike a bank account, invested funds carry no deposit guarantee. The offer is for new sign-ups only; KYC is mandatory; the €20 bonus triggers only if the referral actually invests at least €1,000. Always diversify across several loans and invest only what you can afford to lose.
Our verdict: a well-regulated asset-backed P2B platform with attractive symmetric referral terms. Best as part of a diversified P2P allocation alongside Bondora, Mintos or Raizers, never as your emergency fund.
Frequently asked questions
How do I use the Debitum Investments referral?
Debitum uses a referral link, not a code to enter. Click "Get the deal" on this page, create your account, and the €20 bonus is automatically attached to your sign-up. No manual entry is needed.
How much must I invest to get the €20 on Debitum?
The referral must invest a minimum of €1,000 on the platform to trigger the referral bonus. The €20 is paid within the next business day, for both you and your referrer.
Is the Debitum referral bonus taxable?
Yes, referral income and P2P interest are generally treated as investment income, taxable under your local rules. Keep your records and declare them in your annual return.
Are my funds guaranteed on Debitum Investments?
No. Debitum is not a bank, and your investments are not covered by a deposit-guarantee scheme. As on any P2P platform, capital loss is possible if borrowers default. Diversify across several loans and invest only non-essential funds.
Can I combine the Debitum referral with the loyalty programme?
Yes, the €20 referral bonus and the Debitum loyalty programme are two separate mechanisms. The loyalty programme (a yield bonus up to +2% a year) accrues over time based on your investment level and does not interfere with the €20 sign-up bonus.
Is Debitum Investments a regulated platform?
Debitum operates under an investment-brokerage licence from the central bank of Latvia since 2021, placing it under the EU ECSP (European Crowdfunding Service Providers) regulation. That is a mark of seriousness, but capital-loss risk is inherent to P2P lending. It is not a guaranteed product.