Debitum Investments Referral 2026: €25 Bonus

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 under KYC/AML rules for regulated investment firms. Once your account is validated, you can fund your wallet by bank transfer and start investing in business loans from as little as €10. The interface is available in multiple languages and the platform operates under the supervision of the Bank of Latvia (Latvijas Banka).

The Debitum Investments referral offer is straightforward: €25 for you and €25 for your referral, paid once they invest a minimum of €1,000 on the platform within 30 days of signing up. For larger investments (€5,000 or more), each side earns a percentage of the outstanding amount (around 1%), up to a maximum of €1,000 each. The bonus is calculated and credited at the end of the 30-day window. 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 €25 bonus is not a guaranteed return; it adds to what you invest.

Here is the essential (checked August 2026):

The €25 bonus is validated and credited to your Debitum account at the end of the 30-day window following your referral's registration, once the investment condition is 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. For a referral investing €5,000 or more, the bonus is prorated as a percentage of the outstanding amount, up to €1,000 each.

Debitum Investments is a business-lending (P2B) platform: you lend directly to SMEs across various sectors — manufacturing, forestry, agriculture, construction, trade, leasing and invoice financing (factoring). Each loan is backed by real assets, which provides partial security in case of borrower default. Loan terms average around 12 months. The referral offer applies as soon as you invest in any loan available on the marketplace, with no asset-type restriction.

The platform advertises nominal rates of up to ~14.8% a year depending on the loans selected; in practice, investors report net returns closer to 9-12% a year. These returns are high versus classic savings products, but reflect real risk: possible capital loss if a borrower defaults — although Debitum claims a 0% default rate over six years. Debitum also runs a tiered loyalty programme granting a yield bonus of +0.5% (Investor), +1% (Pro) and up to +2% a year (Elite) for regular investors, plus a quarterly 1% cashback on net deposits (capped at €100/quarter). To diversify your P2P exposure, Robocash or Mintos offer loans with complementary characteristics.

Debitum Investments has operated since 2018 and holds, since 2021, an investment-brokerage licence from the Bank of Latvia (Latvijas Banka, no. 42103092209) under the EU MiFID II regime — a demanding regulatory marker still rare in P2P lending. It has passed €200 million funded and 32,800+ registered investors (2026 data). Note: unlike a bank account, invested funds carry no deposit guarantee. The offer is for new sign-ups only; KYC is mandatory; the €25 bonus triggers only if the referral actually invests at least €1,000 within 30 days. 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.