Ya llevo varios años invirtiendo en Twino, y todo perfecto. Problemas que he tenido (como cambio de banco o correo electrónico), me lo han solucionado fácilmente y sin rodeos. Mientras sigan así, me tienen como cliente muchos años más.
Hoy he recibido un email de Twino advirtiéndome de que me cobrarán 10€ por inactividad (que no cobrarán porque el saldo es 0€). Debían advertir mucho más claramente de este cobro cuando se abre la cuenta puesto que es el único marketplace (de los muchos que tengo cuenta abierta) que cobra esta tarifa. Deseo cancelar la cuenta, pero no me deja cerrar el perfil porque dice que tengo inversiones activas... No veo la manera de cerrar inversiones que aparecen con céntimos...
Llevo invirtiendo con ellos desde octubre de 2017 y a día de hoy puedo decir que es una plataforma confiable y que todas las gestiones y reintegros de capital siempre se han realizado de manera rápida y efectiva. El interés medio anualizado obtenido en este periodo ha sido en torno al 10,5% lo cual no está nada mal. Para mí la experiencia de inversión con ellos ha sido buena.
Tengo problemas para acceder a la plataforma de inversión y no responden los emails. Me indica que el usuario o contraseña no es válido, pero si lo es. Intento recuperar la contraseña y el email para hacerlo no llega nunca, tampoco a spam. Les escribes a su email y no responden nunca. Solo te queda la opción de llamarles por teléfono, pero al no saber su idioma, es imposible para mí. Pues nada, aquí va una mala reseña a ver si así responden.
Mi experiencia es muy buena. Tengo un buen tiempo invertiendo en Twino y tengo muy buenas ganancias. Voi a seguir invertiendo e poner mas dinero allí. Cuando necesitaba ayuda me contestaba enseguida. Gracias por la plataforma y por la oportunidad que tenemos.
Llevo Unos meses en la plataforma y por ahora todo correcto y con los pagos al día. Seguiré invirtiendo más en esta plataforma.
Mucho movimiento, facilidad de invertir, mucha información, facil de trasferir fondos. en general muy bie.
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Strong Loan Originator with great yield
SCAM DON'T BUY ANYTHING I THIS SITE
So I bought a lot of Vietnamese investments in the secondary market. They were all marked (and still are!) as active. Even though the Vietnamese company is dead and insolvent. No information can be found on the website. Their communication with investors is through emails that you may or may not even receive. But who cares?They don't. Don't recommend using Twino to anyone. Everything they touch turns to shit.
these guys do not understand the concept of client centricity. No solution for Russian Loans Unable to close my account because of Russian loans Charging me an inactivity fee, although i want to close my account Oh and ridiculous requirements for a Password, so you have to write it down somewhere and then lose it. but the worst of all: if any contact you have with their CS, the answer is: sorry we cannot help you.
They don‘t pay my money out and then I get a fee for inactivity. Can‘t recommend this Website.
I have been client for multiple years. at first i was doing small investments but in recent years i have expanded it. I really trust them as a client and will continue to invest.
Freundlich, geduldig und absolut professioneller Support! Vielen Dank 😊
Suddenly 10 euro fee per month (out of the blue) if there is inactivity in the account. So not really passive income, but rather active.
Kompletter Scam. Es gibt eine Inaktivitätsgebühr - die auch nachträglich auf bestehende Kunden angewendet wird. Diese gilt für Guthaben, selbst wenn sie so gering sind, dass sie gar nicht ausbezahlt werden können. Im Grunde wird man gezwungen das Geld immer weiter zu veranlagen.
Ich konnte bisher nichts Negatives sagen, war aber auch bereits seit 2024 dabei, mein Portfolio bei Twino zu entsparen. Da die Investitionen nur kleckerweise in kleinen Beträgen zurückflossen, habe ich mich natürlich nicht jeden Monat eingeloggt, um mir 1-2 € auszahlen zu lassen. Als ich mir nun dieses Wochenende mal wieder meine gesamten Auszahlungen überweisen lassen wollte, musste ich feststellen, dass mir von meinem über Monate angesammelten Guthaben von ca. 15 € eine Inaktivitätsgebühr von 10 € abgezogen worden war (die Gebühr wird seit Neuestem und monatlich erhoben). Angeblich war man darüber per E-Mail informiert worden, ich habe aber keine erhalten. Vielleicht ist sie auch im Spam gelandet, was aber zumindest komisch wäre, weil andere Mails von Twino ja auch ankamen. Nachprüfen kann ich es nicht mehr, Spam wird bei mir nach 2 Wochen gelöscht. Was aber bei mir angekommen ist: Wer die Plattform verlassen will, wird dafür bestraft. "Twino wird von der Bank von Lettland lizenziert und beaufsichtigt" ist nichts als eine leere Floskel. Eine Bank hätte meine Zustimmung zu der Gebühr einholen müssen, Twino musste das offenbar nicht. Der Support hat übrigens so reagiert: "Diese Situation wäre nicht eingetreten, wenn die freien Mittel weniger als 15 % des gesamten Kontowerts betragen hätten oder in den letzten sechs Monaten aktive Investitionen erfolgt wären." War ich mir vorher noch nicht sicher, würde ich nun definitiv nicht wieder bei Twino investieren.
Ich habe meinen Account bereits am 25.10.2025 mit sofortiger Wirkung gekündigt und zwar bevor eine Inaktivitätsgebühr fällig wurde. Ich habe bisher keine Kündigungsbestätigung erhalten. Ich habe keinen Cent auf meinem Account und auch keine Investitionen. Ich möchte bei Twino nicht mehr investieren. Twino ignoriert meine Kündigung und berechnet mir eine Inaktivitätsgebühr. Wenn ich nicht einen Stern geben müsste, dann hätte ich garkeinen Stern vergeben. Ich habe in der Kündigung alle meine Daten korrekt angegeben. Hier kann man nicht von einem funktionierenden Kundenservice sprechen. Sich ignorant den Kunden gegenüber zu verhalten, ist das aller letzte und dann noch eine Gebühr zu berechnen ist ohne Worte.Ich kann Twino niemandem empfehlen. Ich werde wohl rechtliche Schritte einleiten.
They have introduced a scammy inactivity fee with bogus justification. I would stay far away from this company as such a move reeks of financial trouble.
Piattaforma digitale di investimento abbastanza semplice ed intuitiva. Rendimento ottimo.
Used to be one of the best EU P2P companies, fully regulated, licensed, registered brokers. I would grade them 8/10. Then came pandemic, war and that all was understandable when you invest. But first they removed mobile app and worst of all fully stopped communication for a year. You sell trust, and you lost it.
Ich habe eine Mail von Twino erhalten mit der Aussage, dass 10 EUR Gebühr fällig wird. Um dies zu vermeiden, soll ich entweder eine Transaktion tätigen oder das Konto kündigen. Beim Kündigen des Kontos erscheint die Fehlermeldung, dass ich Geld auf dem Konto habe. Dies ist allerdings nicht der Fall.
Plattform läuft wie ein Schweizer Uhrwerk.
I have been using the platform for a long time. It is simple, understandable, investor-friendly, with multiple levels of protection mechanisms, which I believe is appreciated by investors.
The proceeds are good despite the clunky website. I've had a hard time figuring out why 9 euros of interest were not auto invested. Asking through chat was a bit disappointing, since an answer came weeks later. In the meantime, I found out that there's a minimum of 10 euros. Like I said: the proceeds are good, so don't let this keep you from investing here.
Bin seid mehr als 5 Jahren bei Twino, allerdings hatte ich mich seid einen knappen halben Jahr nicht mehr eingeloggt und nun konnte ich mich nicht mehr einloggen da ich meinen 2F-Verifizierungs Code vergessen habe. Twino hat keinen deutschen kundendienst oder eine Rufnummer wo man durch kommt. Eine Rückruf bitte per Mail Anfrage interessiert keinen. Sowie alle Emails in Deutsch zur Klärung. Auch die Emails in Englisch sind zwecklos. Es gibt praktisch keinen kundendienst. Von zwanzig email kam nach zwei Wochen eine in Englisch in dem es his: Man solle eine Einzahlung machen mit dem Betreff mit der Deaktivierung 2f verifizierung, das brachte auch nichts. Schlechteste P2P Plattform. Mfg Schad
Bonjour, très mauvaise expérience sur TWINO. Les rendement promis sont bien là, le problème est le remboursement final du capital à la fin. La plateforme avait eu des problèmes suite à des prêts en Russie et dernièrement c'est des prêts au Vietnam et aux Philippines qui n'ont pas été remboursés et sont en litiges depuis 8 mois. Sur les 10 000€ investis j'ai touché autour de 700€ d'intérêt mais maintenant j'ai 1400€ d'arriérés non payés et sans visibilité. En résumé j'ai perdu 700 balles... à fuir !!!!
Twino has been around for many years and I've always had a good return from them. Yes I had Russian loans but I don't blame Twino for Putins illegal war. Stick to their core Polish loans and there have been no problems. Website is easy to navigate and the secondary market is lively and I was recently able to quickly sell all my holdings due to a payment commitment.
I have a somewhat positive review about twino. Their P2P aspect is really trying, not perfect but at least there's something good to talk about in that department.
Keinen direkten Kontakt möglich, alles über Tickets. Für Folgefragen muss man jedes mal Tickets schreiben, das kostet zeit.
I had a small sum of British pounds which I invested over 3 years ago to learn about Twino and P2P loans. My returns are steady in line of my expectations. Information and feedback is good. Although I never withdrew any of my funds, there is no signal or reason that they are not safe. I plan to invest more in euro's in the near future.
Loan Securities: As far as it concerns loans securities experience is good, although it lacks offerings from other countries than PL, thus one has to manage part of portfolio elsewhere for diversification. Concerning defaulted loans (VN, PH), it is a mess. I do not see them properly reflected in statements so I cannot account losses when I will pay tax. Primary market: It has always securities to offer. Interest rates are ok. Secondary market: it is much appreciated thanks to the zero fees. Cashback campaigns: rules lately have become tricky, not really appreciated by investors, comparing to the past and what other platforms offer. Loyalty bonus: Not existing and it is makes me really sad. Other platforms are offering up to 2% for loyalty. Referral campaigns: These are broadly advertised but when new investors try to understand the terms, outdated information (e.g. pages still refer to past campaigns and rules, not current ones) gets in the way. Cashout: all good. No delays.
Es gibt kaum Infos über die Maßnahmen zur Rückgewinnung ausgefallener Kredite. Als Anleger fühle ich mich hier nicht mehr sicher!
I'm investing in twino for several years and the experience has been close to perfect!
Investissement simple et efficace. J'adore la simplicité d'investissement et la possibilité de les automatiser.
Very solid and reliable P2P Platform that just misses an appealing Loyalty Program for loyal and bigger investors to receive 5/5 stars from my side.
Great platform for investing.
great returns on Poland
Ive been member since 2023, I put my money in real states and since then I don't receive 0.01 euro, everything is stuck, they don't tell me anything about what's going one, why I don't receive nothing, the loan I think is stuck, no updates, nothing, worst p2p ever. I try to sell also in second market but it's complety impossible. Avoid any at any cost
Esperienza positiva da oltre 4 anni, azienda seria e competente
I’ve had a very negative experience with Twino over the past couple of years. I’ve been unable to sell my assets on the secondary market for over 5 months, which effectively locks my funds without any clear resolution in sight. Even worse, I haven't seen any investment returns for 2 years, which completely defeats the purpose of using the platform. Twino’s handling of real estate investments is especially troubling — no updates, no transparency, and no reports. It feels like investors are being kept in the dark, which is completely unacceptable. Customer service has been another source of frustration. The attitude is far from client-oriented, and responses are painfully slow, often taking weeks — if they come at all. It’s clear that investor concerns are not a priority. I cannot recommend Twino based on my experience. There are other platforms that offer far better communication, performance, and transparency. Proceed with caution.
Good option to lose your money. The worst service ever.
Buyback guarantee does not guarantee anything. Several loans defaulted and Twino has not compensated since 2022.
After having been with Twino for over 3 years i can say their 'buy-back' guarantee is WORTHLESS! If the investment goes well, all is well. But Twino managed to get into Russian and Vietnamese loans with the latter originator declaring bankruptcy in early 2025. In the contract, one reads 'The Lender (TWINO) undertakes to buy back from the Assignee the Claim on the 61st (sixty-first) day of delay if the repayment of the Loan is delayed for more than 60 (sixty) days, and the Assignee refuses in this regard to raise any objections or claims, including to raise objections and claims for lost profit'. Well, guys, consider it a broken promise. Their bad debt provision is nowhere near the amount to 'buy back' the loans that are in default. And no matter how hard they try, they will NOT honor their buy-back guarantee. It's clear their priority is to keep the lights on for the company, pay their personnel and the SHAREHOLDERS as the top priority. Screw the investors. Twino's due diligence is shambles as well, since they are chasing higher profits but end up with non-EU originators from whom it's very difficult to recover funds. And then they sell those bad debts for pennies on a dollar/euro just to recover something. I wonder if they have the guts to write feedback to this review... most likely they will say 'investors have to conduct their own due diligence when choosing the originator'. STOP IT. Why do you even BOTHER to provide the buy-back guarantee? Where is your integrity? Come clean and be honest.
"Damit wir als Finanzinstitut die für in Lettland registrierte Finanzinstitute verbindlichen behördlichen Vorschriften einhalten können, die die Notwendigkeit bestimmen, unsere Kunden, ihre Transaktionen und die Herkunft von Geldern zu kennen, reichen Sie bitte die erforderlichen Informationen bis XX.11.2024 ein: • Weitere Informationen über den Beruf, Ihre derzeitige persönliche Tätigkeit, den Namen des Unternehmens und die Position. Bitte stellen Sie uns Ihren Lebenslauf oder Ihr LinkedIn-Profil zur Verfügung, aus dem Ihre einschlägigen Qualifikationen und Erfahrungen hervorgehen. • Bitte geben Sie eine Steuererklärung für den letzten verfügbaren Zeitraum ab, aus der das Einkommen und das Steuerland. • Kontoauszüge für das Bankkonto XXXXXXXXXXXX, die die Herkunft der Gelder belegen, die vom XXXXXX, bis zum XXXXXX auf Ihr TWINO-Konto überwiesen wurden (insgesamt 1XXX EUR). • Kontoauszüge für das Bankkonto XXXXXXXXXXXX, die die Herkunft der Gelder belegen, die vom XXXXXX, bis zum XXXXXX auf Ihr TWINO-Konto überwiesen wurden (insgesamt 1XXX EUR). Diese Auszüge sollten detailliert und ungefiltert sein und vollständige Informationen über den Absender, die Zahlungsdetails und den Kontostand enthalten, um nachzuweisen, wie die Gelder zustande gekommen sind. Laut KYC ist die Herkunft der Gelder das Gehalt. Wenn dies der Fall ist, sollte aus dem Umfang der übermittelten Dokumente hervorgehen, wie der Betrag (oder zumindest der größte Teil davon) aus dem Gehalt stammte und auf das TWINO-Konto geleitet wurde."
is ok. Getting good returns % wise for several years now
Ungenügender Kundenservice! Ich habe den Kundenservice mehrfach angeschrieben. Leider erhalte ich keine Antwort. Spam Ordner ebenfalls kontrolliert. Fehlanzeige! Seit neuen kann ich nach dem Einloggen nicht mehr meine Investitionen checken bzw. Hoch und runter scrollen. Immer wieder gibt es bei Twino Probleme. Ich bin seit einigen Jahren investiert und kann jeden nur raten hier nicht zu investieren bzw. sein Investment zu beenden.
Bank account at Twino hacked. Email and origin IBAN changed with no notification sent or proper validation done. Proceeding to authorities and doing complaints. Twino is not a platform to be trusted
Twino beendet die Geschäftsbeziehung weil meine Geldquellen angeblich "suspekt" sind. Es sind normale Überweisungen von MEINEM Unternehmen (Gehaltszahlungen) Nachdem ich Twino nicht meine Geschäftspartner & Verträge, Rechnungen o.Ä offen legen wollte, wurde die Beziehung beendet. Ich habe mit meinen Geschäftspartnern eine strikte Geheimhaltungsklausel Ich kann die Entscheidung nicht verstehen und kann nur von Twino abraten.
Auf TWINO bin ich seit 2016 investiert und sie gehört zu den ältesten P2P Plattformen in meinem Portfolio. Aktuell habe ich ca. 15.000 EUR investiert und meine Rendite beträgt 11,37% (nachlesbar unter passives-einkommen-mit-p2p.de). Seit geraumer Zeit bereits, lasse ich mir die Zinsen monatlich auszahlen und habe so ein kleines Nebeneinkommen etabliert. TWINO hatte seine Höhen und Tiefen und ist heute eine gestandene und regulierte P2P Plattform. Was mir nicht gefällt ist die Tatsache, dass man doch einen starken Polen-Fokus hat, ein regulatorisch schwieriger Markt seit Jahren. Auch wenn man hier gefestigt scheint, hinterlässt das immer noch ein ungutes Gefühl. Auch vom Ukraine-Krieg ist man betroffen, zahlt jedoch als eine der wenigen P2P Plattformen die Schulden Stück für Stück zurück. Alles in allem eine gute Plattform, die man durchaus im Portfolio haben kann.
I have a portfolio with them. Performance is really poor, as is their reporting. Some functionalities are not working for months. New products like real estate loans seem very risky. Replies to questions and concerns are probably done by very inexperienced employees. Not recommendable at all. I am experienced in this field (25+years) and wanted to test some diversification of my personal portfolio. Believe me: this was by far the poorest of 10 tests I ran with different p2p lenders.
Leider kann mit der Auto-Invest Funktion nicht sinnvoll diversifiziert werden. - Fehlender min/max EUR Betrag pro Kreditpaket. Die Diversifizierung innerhalb des Kreditpaketes mit ein paar Kreditnehmern dahinter, ist nicht ausreichend. Support antwortet darauf mit langen copy&paste-Texten, ohne das Problem verstehen / zugeben zu wollen. Tenor: Bei uns ist doch alles super, nur Du blöder investor kapierst es noch nicht.
It is not possible to take back my money (russian investments and infinitive extensions loans)
I have been a customer for more than 2 years. Firstly they never answer there calls. Then if you deposit over a certain amount they want evidence where it came from and then years later ( 2 be exact ) they suddenly want bank statements showing where the money came from and how it was earned along with Payslips etc. So if you are self employeed you are screwed. It is ridiculous. Every time you want to deposit money you get an email asking for proof of stuff. Even after providing they will ask again the next time you deposit just a 1000 euros. I can get a CC from the bank easier with less hassle than the paperwork ( which has been send a couple of time before ) being requested again and again. And forget about them answering calls to there call centre. It just rings and rings. Only got three stars due to money growing nicely.
bad plateform
Been investing on Twino 2 years now, the returns are great and customer support very friendly and responsive. Can only recommend if you want to invest in p2p.
Heute kam diese Antwort. Eine absolute Frechheit so Bürgschaften zu „vermeiden“. Ich kann nur zum Ausstieg bei Twino raten. Angebliche Sicherheiten gibt es nicht. TWINO Vor 5 St. Hallo, entschuldigen Sie unsere späte Rückmeldung. Am 16.09.2022 haben wir Investoren informiert, dass der Darlehensgeber SIA "OC Finance" mit dem Darlehensnehmer eine Vereinbarung getroffen hat, die Darlehenslauzeit um 12 Monate zu verlängern. Dementsprechend gibt es einen neuen Zahlungsplan für die monatlichen Zinszahlungen, die ab dem nächsten Tag des in dem Abtretungsvertrag festgelegten ursprünglichen Fälligkeitsdatums des Darlehens berechnet werden. Das bedeutet, dass Sie Zinszahlungen für die Darlehen erhalten werden, bis der Darlehensnehmer seine Verbindlichkeiten vollständig beglichen hat. Dies ist im Einklang mit Punkt 5.1. des Abtretungsvertrags: 5. Bevollmächtigung 5.1 Der Zessionar bevollmächtigt hiermit den Darlehensgeber, folgende Handlungen vorzunehmen: 5.1.1 den Darlehensvertrag ohne vorherige Abstimmung mit dem Zessionar nach eigenem Ermessen zu ändern und zu ergänzen, darunter die Rückzahlungsfrist des Darlehens zu verlängern, aber nicht mehr als 2 (zwei) Mal, wobei jede der 2 (zwei) Verlängerungen der Rückzahlungsfrist des Darlehens 12 (zwölf) Monate nicht überschreiten darf; Der Zessionar ist informiert, dass die obengenannte Bevollmächtigung in Bezug auf den Darlehensgeber während der ganzen Laufzeit des Abtretungsvertrages gültig ist und die in diesem Zusammenhang durch den Darlehensgeber vorgenommenen Handlungen für den Zessionar verbindlich sind. Aufgrund der Vertragsverlängerung befindet sich das Darlehen nicht im Verüzug und somit tritt die Haftung durch den Bürgen nicht ein. Mit freundlichen Grüßen, Ihr TWINO-Team
Bad experience, i deposit 100 euro to give them a try, I received a mail with the confirmation of the deposit. I went to check the dashboard and i did not see my money. Tried to talk with the costumer support but not answer, i hope they are going to read this bad rate experience and find a way to get my money back
Don't trust a single word from this company. TWINO is suspending the principal repayments of the Russian loans, although their own terms say: Under the Payment Guarantee investor protection scheme, TWINO will compensate both the invested principal amount and earned interest on a monthly basis as per original loan repayment schedule, regardless of delay or default by the borrower. The Payment Guarantee applies to the whole duration of the loan. Even in their blog post dated March 9 they provide misleading and contradicting information: "During the seven years of our operations, investors have always received both the principal and interest repayments in full amount, and this is definitely something that we are proud of and are not planning to change." - that's after stating that principal repayments are stopped in the same post. It's amazing how openly they've decided to save their founders money instead the investors. Trust is the major attribute of a financial institution and these guys just blew it. -------- UPD after comment You can see, they even don't deny that they are not fulfilling their obligation to compensate the invested principal amount. The company clearly states: a decision was made. A decision to take investors money so the founder doesn't loose their. And to be fair - all of your updates had a clear message: everything is fine, we're handling it. Then you've broke your promise to buyback the principal. I call that conscious misleading - making people believe thу situation is under control so there is no panic while you're figuring out a way to freeze their money for your own good.
This company is withholding 1000£ of MY money without giving me any explanation as to why my withdrawal request has been processing for 1 month now. Any recommendations on what to do about it?
Update (reply to TWINO): that is a lie, you only got back to me and gave me an explanation 5 days ago now, and still managed to mess up the next withdrawal of funds, splitting the transaction fees with me although your policy is to fully pay for them yourselves. Definitely the worst experience so far in P2P lending. Original post: Worst P2P Lending platform I have used (and I have used 5 different ones). I submitted a withdrawal request 2 weeks ago and still did not receive the money in my account. I have almost 1000£ on my account that I don´t know when i´ll be able to get back. Voice customer service is not active in the UK even though they make a phone number available (no agents on the line, ever), email customer service takes at least a week to answer your queries, and in-app customer service is a weak bot that seems to have only 2 or 3 answers programmed in it.
They want to earn 0%, this is the right place to invest. Deadlines are extended. as much as they fit, can’t plan for cash flow. Get only currency exchange losses.
You can't be their customer if you live outside Europe (even if you're European citizen). Otherwise it seemed good, decent returns and no payment problems after using them for 4.5 years. Being recently licensed by the Latvian financial regulator makes them more trustworthy.
Today is my revisiting day of investment and all looks prettly awesome! Thanks for keeping my money safe and investing!
Very professional
Up this moment didn’t hade any troubles with TWINO in general. Let’s see when time will come withdraw funds
Customer since 3 months as so far i love your company and your honest way of presenting all p2p loan options. With a little research before investing you are able to invest into the right loan type and until now Twino has delivered. Cash Flow Forecast is amazing, the seconday market and primary market is amazing. Its sad to see that the IOS App does not allow for manual loan purchases but i hope that is going to be in one of your future updates. Hope i can leave another great feedback in 9 months when my first year is over.
My experience with Twino has been quite satisfactory. The platform is very user friendly and easy to use and to check all the statistics. The interest rate on the loans is encouraging. The only thing that could be improved is the number of loans available. Although the amount I have invested is still modest, sometimes I find it difficult to invest because there are no loans available.
TWINO Funktioniert sowohl auf der Website als auch per App intuitiv. Themen die ungeklärt sind kann man sich sehr zügig an lesen. Eine absolut sinnvolle Ergänzung für jedes Portfolio
Ich bin nun ein paar Monate bei Twino und alles läuft reibungslos. Teilweise hatte ich bis zu 10% Cash-Drag, was sich nun aber gebessert hat.
I like the cashflow of Twino, its experience and the stability.
I use Twino since many years and i fully satisfied. Sometimes cash drag but less than others platforms.
Great platform 6 years together. Little issue is problematic to sale loans in case you need cash especially with longer period.
I am using Twino over 5 years and really happy with it. It also didn't have problems during corona year 2020. Thumbs up for these great plattform.
Twino has fast and uncomplicated solved the problem. Thank you!
I already posted bad comment, but this one will be even worse. ~6 months of my last investment to be finished. It is getting extended, marked as delayed, extended again. The amount is laughable but it shows how it is being operated. After I get it back and money transfered - I will hit "Delete account" button. There are good things in Twino, but this model is killer. As investor I want to predict my money flow. Fine to lock it for 3 months. But not for 6-9 months when you state that buyback is after 60 days.
Je suis inscrit depuis peu sur cette plateforme. Pour l'instant j'en suis content,le site a l'air sérieux. Je recommande. Bon rendement. Juste que l'application mériterait d'être améliorée car si on veut avoir plus de détails sur les prêts,on est obligé d'aller sur le site internet,sinon parfait.
It's a sham that it's not possible to give 0 stars otherwise I would have done so. This is the worst company I have ever seen. I tried to open account for my company which they require tons of documents to do so. I happily sent all of the documents to them and few days later I get email saying "you verification has been rejected please submit the documents again". They did not even care to provide a reason. So I emailed them which they totally ignored. Funny part is that they keep sending me emails daily saying "fund your account" and are so arrogant to even include their payment details in there. Avoid them at all costs, big waste of time and who knows what are they now doing with my company documents.
Find another provider of P2P investments. Have been investing on Twino for +1 year. Twino has no existing customer service and no answers to emails etc. When you finally get an answer it is a system answer.
Twino has now suspended new payments for UK customers. "for regulatory reasons" If you reside in the UK I would withdraw your money before its too late.
Très bonne plateforme dans son ensemble. Rendement de 11% en moyenne.
Application rejected based on my country of residence? shame on you.... what is the next step? the race?
Been investing with Twino since 2015 now. Have had stable returns above 10% yearly. One of few audited and profitable P2P-lending companies. Great and quick replying customer service always. So far so good. Recommended!
Great team of Twino People !! I started investing in Twino in 2015, and they are always attentive to all my questions. They listen to investors to understand what we need from Twino. Twino Group is one of the most transparent groups in the p2p sector. I suggest Twino because in this period it is very rare to make investments transparent, profitable and sustainable! Thanks to all the inhabitants of Twino !! especially Roberts and Anastasija.
Great service very transparent.
Using this over a year. Very user friendly, good returns and they have a very quick and supportive customer service. Happy with the platform so far. Hopefully they keep this business model up and keep their intregrity. Like all investmentss, higher risk but higher return. Good job Twino.
Excellent platform and very good company that have become profitable by now.. I am investing with them for about 3 years..eventhough i was hesitant at first...now i regard it among the best hands free peer to peer platforms with very good returns!
There were very good times, and some bad times. Now in 2019 is not so many oportunities to invest on Twino.
I have been investing with Twino for 8 months now and to be honest, I am disappointed. My returns in terms of interest have been very poor. In addition, the auto-invest system is extremely slow to work, and the only loans available for some time via manual invest have been low interest. I want my money to work for me and it just isn´t doing that with Twino, so I'll probably transfer it all to another peer-to-peer platform. Sorry to have to do this.
Bisher keine schlechte Erfahrungen. Zins und Investments wurden korrekt und zeitnah (3 Tage) zurück bezahlt.
Very good platfrom, not high interest but quick and eccelent customer service, simple system in sending and withadrawal fund, buyback guarantee really functioning, and public certified balance with 2,8 milion Eur profit. It seems it has few loans but it is not so. This happens because when loans arrive on platform in few minutes are captured by clients' autoinvest.
I think is the best p2p loans platform right now... Things to improve: very slow on financial movments (deposits and withraws) compared with other platforms... a bit anoying...
I have been using them for a couple of moths. All i can say is they are average on repay (not so high returns ) , the main issue for me is the late repayments . A lot from my point of view in the last month(from 10 loans - 5 are delayed ) The second bad thing for me is that you can't use a borderless account. Sorry to say it Twino but this is a big issue . Like a investor ....i don't want to give free money (high taxes for what ...? ...to the banks on transfers.The good thing is that they have the 30 days delay Buyback ,which is a positive thing ... because in general is 60 days ...but not good enough. On payments they are ok , on both sides (deposits , withdraw) , customer support are great . Also the auto-invest is great, app for android .. i don't have IOS knowledge . Overall is a 3 from 5 for me .
Started investing a month ago. Surprising how little factual information is available online about Twino, but maybe im not looking in the right places. Seems that Germany has a lot of investors for Twino. They've been in exsistence for 6 or 7 years now and everything looks ok. Haven't heared negative news yet, there are papers written by experts that raise concerns about P2P lending in general. Issues about being a piramid scheme and sustainability of the businessmodel in general; please make your own informed descision. The reviews online are good; returns are as promised although have dropped from an average of 12 to about 10.5% Still very good returns. The platform itself is still in the development stage somewhat i feel. Information about specific controls could be explained better. Overall, so far so good. I saw return on investments comming in from day one, so im on my way. I personally expect the P2P lending market to explode in the upcomming years, but Im no expert by any means, just a guy with some extra money, dont listen to me for financial advise. Just a gut feeling. People are sick of banks in general, and this way of lending seems better, although the interest rates are very high for the borrower on a short term loan. Well, thats it folks, everything is working as it should so far.
I am using this service fo 2 years without any problem. The deposits and withdrawals works well, the autoinvest is perfect.
Ich mag Twino, aber es fehlt noch ein gutes Suport-Team.
I have been using the site for 3 months. I have an XIPP of 9% (as of today, this fluctuates higher and lower throughout the month). I have easily added and withdrawn funds (money was back in my back in my bank approx 3-4 days). The auto-buy system is easy to setup. selling is easy (I only get the buyback guarantee investments) and I have had the money available in under 24hours each time. Tax return paperwork is easy to download in a ready-to-use format. After looking around I believe this is the highest return and lowest risk combination. And coming into this as a complete newbie - I can say it couldn't have been easier.
TWINO is probably my favorite p2p lending site. Zero fees for investors, great returns and very liquid secondary market. Fast email support as well. I'm very pleased with TWINO.
Ich bin sehr zufrieden bis jetzt.Bloß fehlt leider momentan noch eine Websit-Anzeigemöglichkeit auf Deutsch. Deshalb (noch) 4 von 5 Sternen.
Twino is one of the best of the massive bunch of Baltic/Nordic p2p platforms, that have spun up over last 3 years. Along with Mintos this is my top 2 in EUR p2p platforms. Mintos allows slightly higher return if investing some manual labour. But Twino allows for seamless automatic investing solution, and for autoinvesting returns can be even better than Mintos. A solid anualized 13-14% net return.
Neuer Anbieter mit viel Potenzial. Deutscher Webauftritt fehlt (noch). Bisher läuft ales super. Auch die Rückkaufgarantie funktioniert einwandfrei.
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