Their compliance is more annoying than that of comparable financial institutions. They trigger for pretty small amounts, ask more documentation than other institutions, and are slow to process them.
User since 2024. PROS: Automatic investment Passive income ... CONS: Lack of transparency Low quality customer support Interest rates have been decreasing Bad communication Cashdrag is awfull ! Full experience : Customer support takes ages to answer. And suddenly early 2026... account deactivated. No reason given. Shady explanations by email. And now waiting for them to transfer back my remaining funds... "in due time" according to them. They sure take their time ! Luckily only a few euros left... This sudden account deactivation and lack of transparency is worrying. Glad I'm out with no broken bones
Erst soll man eine Kopie des Ausweises hochladen. Nachdem man das gemacht hat kommt ein paar Stunden später eine E-Mail man soll den Ausweis hochladen weil er abgelaufen ist ( ist gültig bis 2035) und dann passiert nichts .
Bientôt deux mois en tant que client, et je fais face à un cash drag constant entre 15 % et 20 % depuis mes débuts. La plateforme manque de transparence concernant la localisation géographique des prêts. Il est quasiment impossible d’investir manuellement, car les projets à financer sont très rares. Il faut paramétrer le robot d’investissement avec le moins de filtres possible pour espérer placer son argent. Pourtant ils ont introduit deux nouveaux originateurs de prets et pourtant ca n'a pas amélioré la situation. Je retire progressivement mes fonds afin d’éviter d’être trop pénalisé par cette situation.
Broken customer support
Cela fait maintenant un an que j'utilise Swaper. Appart la récente arrivée de cash drag, dû à une apparente limite journalière d'investissement, je n'ai jamais eu aucun problème et j'ai toujours atteint le rendement annoncé. Je suis très satisfait de la plateforme et suis même frustré de devoir rester raisonnable en n'investissant qu'une partie de mon patrimoine pour rester diversifié.
Aanvankelijk heb ik hier wat liggen klooien met het aanmelden, maar werd wel goed en snel geholpen door de klantenservice via mail. Ik heb dit platform aan mijn p2p portfolio toegevoegd vanwege hoge rendementen, geen betalingsachterstanden, regulatie en goede ervaringen van anderen. Ook was Covid, de Oekraïne oorlog en de Poolse leningen goed gegaan, dus ze verdienen een kans. Ik kijk ernaar uit of ze hun stabiliteit ook bij mij kunnen waarmaken.
I’ve been using Swaper for almost a year and initially had a positive experience — good ROI, smooth deposits, and quick withdrawals. However, in recent weeks I’ve faced persistent cash drags, which made it difficult to keep my funds working. When I tried to follow updates in their Telegram channel, I was removed within minutes despite never posting, and I can’t rejoin. This lack of communication, combined with ongoing cash drag issues, left me dissatisfied. As a result, I’ve withdrawn my capital and will be moving to platforms that keep funds actively working.
GROS CASH DRAG je n'arrive pas à investir pourriez-vous remédier au problème svp ? Merci c'est urgent... Big cash drag I can't invest could you remedy the problem please? Thank you, it's urgent ...
Ich habe alle meine Invetsments bei Swaper veräussert und versuche seit über 2 Wochen den gesamten Geldbetrag zurück zu überweisen. Seither wird das ganze blockiert mit dem Hinweis auf eine Neuidentfikation, welche aus meiner Sicht keinen Sinn macht. Ich habe aber schon mindestens zweimal all die Dokumente (Pass, HR-Auszug etc.) hochgeladen. Trotz Hinweis von Swaper, dass eine Überprüfung 1-2 Tage dauert, ist bis heute nichts geschehen, kein Hinweis auf allenfalls weitere fehlende Dokumente, keine Antworten auf meine Mails. Das Ganze macht einen schlechten Eindruck und spricht nicht gerade für die Seriosität von Swaper. Gibt es Anleger mit ähnlichen Erfahrungen? Ich bin für jeden Hinweis dankbar.
Fingerprint reader not working on Android 15. Your account is not secured neither biometrics nor password. And login logout is not always working as expected.
So far, everything is running smoothly for me on the platform. I think it's good that you can find performance reports in the blog. That creates transparency and trust.
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Eine Plattform mit guten Zinsen (vor cash drag), wenig Transparenz und einem mittelalterlichen Dashboard mit ungenügend Einstellungen. Aus Gründen der Diversifikation und trotz wenig schmeichelhafter Rezensionen ein Konto eröffnet. Ich sehe trotzdem einige gute Aspekte. Nach einer relativ kleinen Summe wurden Einzahlungen blockiert (KYC and AML Policy). Soweit alles normal. Der Gesetzgeber verlangt den Herkunftsnachweis der Investitionen. Swaper möchte mehr, unverschämt viel mehr: 30 Seiten meiner Kontoauszüge, ja sogar interessiert im Detail, womit eine sehr kleine Altersvorsorge vor 20 Jahren finanziert wurde! Vollkommen unangemessen, noch dazu bei dieser überschaubaren Summe! Ich lebe nicht in China und möchte nicht bis in das stille Örtchen überwacht werden, auch wenn ich nichts zu verbergen habe. Würden alle Plattformen dies verlangen, wären sehr sensible Daten mit hoher Wahrscheinlichkeit bald im Darknet oder anderswo einsehbar. So verspielt man Anfangsvertrauen. Absolut keine Empfehlung für Leute, die noch ein bisschen Selbstachtung haben und vermeidbare Unsicherheiten ablehnen. Nachtrag Nach wiederholt unwahren Antworten und immer neuen Forderungen, Zurückhaltung von Geldern, habe ich mein 5-stelliges Investment nach drei Wochen beendet und Swaper verlassen. Sehr schade, auch um die Zeit! Es bleibt bei meiner Investmentwarnung...
I've been using Swaper for some time now, and I must say I'm very pleased with the platform. The returns are competitive, the interface is user-friendly, and the Buyback Guarantee provides peace of mind. While everything has been great so far, I'm curious to see how the platform performs in the future. For now, it's a solid 5 stars from me! Highly recommend it to anyone looking to start in P2P lending. 😊
une catastrophe pour s'inscrire !!! Que de complications, pas le bon document, il n'y a pas cette information, .... a bannir !
Best p2p lending platform I've used so far.
Doesn't open any more again
Showing that EE regulated, but ban EE tax residency investors. Very strange behaviour.
Ich habe bereits mehr als 10 P2P Plattformen getestet. Swaper gehört zu meinen Favoriten und bleibt fester Bestandteil meines Portfolios. Zahlungen kommen pünktlich und kaum Verzögerungen. Bisher gab es immer 10 bis 15% cashdrag. Aber die Situation hat sich seit kurzem deutlich gebessert - nur noch rund 2%. Wenn man den loyalty Bonus von 16% mitnimmt, hat man einen top Performer. #doppeldaumenhoch
Llevo varios años invirtiendo en esta plataforma de crowdlending y nunca he tenido ningún tipo de problema. He retirado dinero cuando lo he creído conveniente sin ningún tipo de traba y hasta ahora no he tenido ninguna pérdida en los préstamos invertidos. De las mejores y más serias plataformas de crowdlending, junto con Mintos, Viainvest y Peerberry.
Absolutely to avoid. I will have to resort to some Estonian authorities because they don't respond to any emails. they imposed an account verification ( this is right ) so I send all the documents 4 times but they make it start over again endlessly. I send emails and ask what to change, add, modify... no response... absurd after being a customer for more than 5 years and entrusting them with money, we are treated in this way... absolutely to be avoided..I'm about to contact the Estonian authorities about my rights and ask if it is right that these individuals have the relevant licenses to hold the money of European citizen savers and treat them in this way... luckily I had already withdrawn in the past due to the bad reputation of the company .. had to get them all .. stay away They started replying emails and we finally closed They started responding and requesting the right documents they needed and don't always start from beginning NO ONE DISPUTES the need to have the documents for AML KYC but the assistance you have to give to the customer who wanted to give you all the documents you want, but you always made me go back to the beginning verification form... I gave you at least 5-6 times my personal document and other documents ... then waiting for the documents to be checkedand verified.. next day I started again from the beginning of the verification form.. from the beginning!! Did it seem like a serious thing? However, in the end it seems resolved after dozens of emails and I've raised you to 3 stars, but you have to improve this KYC AML verification phase enormously because it was an ordeal that lasted over a 45 days and I never understood which document was missing or wrong, always just reject it and start again from the beginning
Auf Swaper war ich in den Jahren 2017 - 2023 investiert und habe sie auch über meinen Blog (passives-einkommen-mit-p2p.de) begleitet. In der Zeit habe ich viele Zinsen kassieren können und habe mein Investment mit ca. 13,7% Rendite abgeschlossen. Aufgrund anhaltender Intransparenz habe ich das Investment jedoch sicherheitshalber beendet. Anders als andere Firmen, hat sich die P2P Plattform für Anleger über die Jahre kaum weiterentwickelt. Man ist bis heute nicht reguliert, man weiß sehr wenig über das Unternehmen und den EINEN großen Kreditgeber im Hintergrund. Andere Plattformen haben Swaper hier meilenweit hinter sich gelassen.
Sono iscritto a 4 piattaforme, tutte positive ma SWAPER è decisamente la migliore, interessi molto alti con regolarità. Ho provato a prelevare e in 2 giorni ho ricevuto l'ammontare richiesto. Unico consiglio, investite poco alla volta per dare il tempo all'azienda di trovare clienti che richiedono prestiti. Continuate così!
The platform works acceptably for me. Few important points for everyone to consider before start investing in it: 1. There is some cash drag. If your initial deposit is more than 1k, it can take abt a month to invest it all. 2. The only usable investment method is the Auto invest. The loan offers are so few, that it is almost impossible to see them. They are immediately sold out. 3. There is a Secondary market, but you can never see what is there. The Auto invest module buys the loans for you from it. Think twice when setting the Auto investor. The experienced investors on the platform play smart and sell their loans few days before maturity on the Secondary market. This helps them avoid possible lengthy loan extensions (money blockage). 4. Loan Extensions - the most interesting and worrying point. Those are nowhere announced in the SWAPER website. But they exist in the Loan terms, agreed with us when buying each loan (actually we accept them when activating the Auto investor). THEY ARE UNLIMITED !!! That means every loan can be extended month after month until... forever. If you are lucky you may succeed to sell it to some newbie with wrong Auto-invest settings. 5. Secondary market purchases cannot be disengaged, i.e. the platform decides if Auto-investor will buy for you a new or a second hand loan. 6. Presently all the offered loans are monthly, 14% interest (29.08.2023). Of course if purchased from the secondary market they can be shorter. Sometimes even for a day or two, as mentioned above. The platform operates robot-like style. I do not recommend it for people who like a hand-on approach to their investments. But it is suitable if one likes to put some money for profits and forget about it for indefinite time.
Swaper does not offer enough loans to invest in. It took Swaper several days before investing 100 euros! I guess it will take one week to invest 200 euros. Nevertheless, you get your money back very quickly after selling your assets.
Excellente plateforme une fois qu'on l'a apprivoisée! Des périodes avec du cash drag ( argent non investi ): il faut rester patient! Cela fait maintenant un an que j'investis sur cette plateforme et un rendement de 13% est au rendez-vous! Les revenus sont réguliers et la courte période d'investissement( 1 à 3 mois) permet de garder une certaine liquidité du capital car les retraits sont rapidement exécutés.
The platform discriminates on the basis of national origin.
15-20% of the funds in the account are never invested, the real return is only 10%
Magnífica plataforma de inversión. Solvencia garantizada. Yo hice una inversión y por circunstancias personales he tenido que ir haciendo retiros y no ha habido ni el más mínimo problema. Cuando las circunstancias cambien volveré a depositar fondos. Aconsejable totalmente.
The site is good, they pay regularly since years, issued loans are continuously increasing (but they are not-verified numbers); but investors know nothing about its unic Loan originator, Wandoo Finance, that is the subject that rebuys insolvent loans. If you write, they say "we will do, transparence is important, we are preparing...", but substantially you don't see anything. Is it a Ponzi scheme???
Works fine
Autoinvestment läuft prima. Alles funktioniert ohne Probleme bereits über mehrere Monate. Sehr übersichtlich und funktional. Drücken wir uns die Daumen für die Zukunft, dass es weiterhin alles glattläuft. Autoinvest is busy like a bee. It's running so far perfectly. I'm using this service for some month now without any problems. Keep fingers crossed for the future and hope there will be no issues with my investment.
No interest for delayed time. So realized profit might be very poor. Now the last euros just coming back home after withdrawn . A 14 days loan took over 8 months to buy back.
Swaper collects personal data including scans of id knowing in advance that they are not going to provide any services. So, they ask for a country of residence on the first step of registration, on the second step they ask for scans of id. A couple of hours later they send an email with: "Please note that unfortunately we will not be able to process your registration at this time, as we currently do not accept new investors from [country name]." They should've informed about this before getting to step 2 and collect the rest of the personal data.
Swaper is dies. No or few available loans. Poor functionality. Im out!
After having invested for the last 4 months on Swaper, one behaviour pattern of the auto-invest platform became clear to me: 50% of my loans moved from status current to delayed, and 10% of the current ones moved to the status extended. Up to now, very few (if any) of the loans were paying according to schedule. In other words, the loans are not performing from what I can see, and you need to wait at least 2 to 3 months to see some "reinvestment" activity going on. This clearly drawed the IRR and thus the overall performance of my portfolio down. From my point of view, if your goal is to have an alternative approach to a "saving account" that pays 12% to 14%, this easy-to-use platform could be one of my choices. However, if your goal is to achieve a high performance with performing loans, then I would search other platforms. This is the reason why I am moving 80% of my funds to another more performing platform. I am however still leaving 20% of my funds on swaper.
1. Platform Look & Usability (Dashboard, XIRR, Auto-Invest, Reports) - in general missing reporting funcionalities, should be improved - 0/1 points 2. Platform Service (Deposit, Withdrawal, Communication, Support) nothing to complain until now - 1/1 points 3. Diversification (Countries/Originators): most loans from Poland, loans from other countries are rarely added, no information about loans or originators - 0/1 points 4. Interest Rates: 12% (14% with an invest of more than 5k EUR) is fine - 1/1 points 5. Loan amount: not sufficient except for loans from Poland - 0/1 points 6. Buyback Guarantee: yes - 1/1 points 7. Loan Conditions (Grace Period, Late fees): no grace period, fine - 1/1 points 8. Secondary Market: yes - 1/1 points Summary: 5/8 points in my personal rating - due to missing transparency and lack of diversification options currently only a platform diversification. In case you are willing to invest 5.000+ EUR you can expect a high interest rate above average compared to other platforms.
sehr gute P2P Plattform mit guten Renditen. Nachteil: Meistens zu wenig Kredite zum Investieren verfügbar
Cant even login
Unlike other P2P platforms I selected for trial investments, after several days auto-invest hasn't picked a single loan.Furthermore. manually there isn't a single loan available. Conclusion, all money from first deposit is just sitting there, zero invested. I'm obviously not happy with it. So, if situation persists I definitely can't recommend Swaper
Can't log in
Really a great interface and comfortable way of investing. Not yet sure how the long-term performance will be, but 12% interest and a buy-back with an auto-invest ratio of >90% is super.
Awesome...
Excellent app, all the things you need to control your account are available. Including notifications and many more. Like the way for changing the color themes.
Try to do it
Everything so far has been great! Have been using it for a few months and have to say, it is very convinient to know that your loans have buyback guarantee and a known steady interest. Very good for someone to just put their money to grow long-term, in my opinion. However, I am not giving a full 5-star raiting, as I have noticed that there are times whereby my money is just "sitting" on my investor account, as there are no loans available. I am using auto-invest and my lowest interest rate is even below their promised 12%, so it can't be that my conditions are somehow off (I have chosen every loan type, country, etc, etc). The only thing might be that I am not interested in very long term loans, so maybe they have less of them? In conclusion, I am still very happy with the results and the user-friendliness of the site! Recommended!
The first fully functional P2P lending app. Works very well.
The new application is just great. I really enjoy the design and the ability to receive push notifications on swaper account transactions
Always logs me out if I close the app. Problem is still there even after last update.
Intuitive and easy to use.
Useful
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