Investing P2P Reviews

Grupeer Review: A Complete P2P Investment Platform with High Yields

Grupeer is an online Peer-to-Peer (P2P) lending marketplace - Read our full Review for Everything you need to know with Pros & Cons.
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Grupeer is an online Peer-to-Peer (P2P) lending marketplace that provides loan opportunities to consumers and businesses.

Grupeer is a rising star among peer-to-peer platforms where you can invest in different loans and make money. If you are looking for a way to either lend or borrow on a direct basis, Grupeer may be worth checking out.

Unlike bank lending, P2P lending cuts out the banking system and connects borrowers with lenders directly. This allows people who have money to lend to make a lot more interest than they would with a bank deposit, although the risk of a lender losing their money is also much higher.

Grupeer is getting the attention of investors because of its user-friendly interface and easy navigation system, It also offers up to 15% return on P2P investments, which makes it a great platform to invest with if you are comfortable taking risks with your money.

The company originated in Latvia and has become a popular European P2P lending platform, and is also growing rapidly today.

Grupeer at a Glance

Grupeer ReviewGrupeer  Visit
Product TypePeer to Peer Lending
Potential Return14% Approx
FeesNo Fees
Min Investment€10
Available toEuropean Economic Area (EEA)

Visit Grupeer

What is Grupeer?

Grupeer is known for helping to facilitate business loans and real estate development projects. However, there are other types of loans available on the platform. For example car loans, personal loans and mortgage loans can all be obtained via the platform.

The company allows lenders to analyze, evaluate, and manage each loan to reduce the risk factors and also provide you a buy-back guarantee that forces the loan originator to pay back the loan in case if anything bad happens. While this still creates counterparty risk, the borrower isn’t your direct counterparty, which does remove a large amount of risk from the lending equation.

Grupeer also has an extensive loan selection process that screens many loans out, before a lender’s money is put at risk. Overall the platform is a good P2P lending option for both borrowers and lenders and offers attractive rates of interest to both parties.

Grupeer Website

Grupeer History

Grupeer was established and registered in 2016, in Riga, the capital of Latvia. In the last three years, Grupeer had financed loans worth more than 60 million euros and had almost 13,000 registered investors from more than 80 countries join the platform.

The company stands out for providing high returns to its investors, currently, around 14% per year on average, and the average maturity of the loans is 12 months. Recently, in 2019, it re-domiciled its official business place to the Republic of Ireland.

Grupeer opened its gates to the public in 2017, it operates in Europe and prefers that all its investors are EU citizens with European bank accounts.

Why P2P Lending Makes Sense

The banks make a lot of money from their lending operations. When a bank can pay 2% interest on deposits, and lend money at 10% (or more), it isn’t difficult to see why there are so many hurdles to P2P lending in many US states and some nations.

P2P lending platforms like Grupeer allow both investors and lenders to access a market that would be off-limits otherwise and get a much better deal in the process. Much like a bank, anyone who wants to enter the world of P2P lending should spread out their loan portfolio, and mitigate the risk of default.

Another benefit that P2P lending can offer is counterparty diversification. Instead of trusting a bank (and the government that guarantees deposits), a P2P lender will have a diverse range of counterparties. In a market crash or major economic downturn, this could be a big advantage.

How Does Grupeer Work?

At its most basic level, Grupeer is a network that connects the borrower with lenders.

The platform allows borrowers who use Grupeer to go around the traditional bank loan route and gain access to a loan directly. It facilitates real estate and business loans with a potential yield in the range of 10% and 15% per year for lenders, which is very high when compared to current interest rates.

  • Grupeer offers different types of investment options which allow investors to select and control their loan portfolio according to their individual investment criteria.
  • The company has introduced auto-investment options, and stability funds to offer a balanced flow of income to investors. Basically, a person invests in loans and based on your portfolio of loans, you will receive ongoing interest on a monthly basis.
  • Grupeer specialists make selections and analysis of credit firms who they work with and also evaluate each agreement they are offering to lenders. Before listing loans on the platform, an experienced management team of financial experts, marketing gurus, real estate professionals, bankers, and IT developers evaluate it carefully.
  • You can also invest in a loan that had already been issued. Any company that issues a loan via Grupeer is accountable for its maintenance. Grupeer gives investors the option to buy an entire loan or just a part of it, which is great for a diversified loan portfolio.

As long as a borrower is making loan payments, an investor will get profits according to his share and contribution in a loan.

Why Invest With Grupeer?

Grupeer is a good platform to consider for anyone that wants to invest directly in debt, especially specialized loans for real estate and businesses. The system that Grupeer has created decreases individual risks when compared to making a single investment in one loan. Grupeer is a leader in P2P lending for real estate and business development.

The loan originators offer a buy-back guarantee on the loans and mostly operate in the areas of business lending, real estate rental and development projects. This means that many of the loans that the platform brokers will have a constant source of revenue, and won’t rely directly on employment income to make monthly payments.

Grupeer: The Facts

  • Currency – Euro
  • ROI (return on investment) – 14% (approx.)
  • The minimum amount of investment – € 10
  • Period of investment – One to twelve month
  • Commission fees – Zero
  • Buyback Guarantee – For 60 days
  • Auto Investment – Yes
  • Grupeer Rating (trust pilot) – 7.6/10

Good Returns

The average returns at Grupeer are good, as it offers up to a 15 % interest rate, and advertises a 14.25 % average return across all investors. Other companies such as Crowdestate or Envestio also have higher return rates, but a greater amount of risk may be involved. Grupeer offers high rates to investors and safe returns on the P2P lending market.

Buy Back Guarantee & Cashback Campaigns

Grupeer’s buyback guarantee and cashback campaigns are excellent features. All loans provided by Grupeer have a buyback guarantee that shifts risk away from the borrower, to the loan originator. Grupeer is one of the first platforms to create a buyback guarantee as a criterion for the loan originators who want their loans listed on the platform.

The P2P lending platform also has a special bonus referred to as Grupeer cashback. This program means that if you invest in a loan that has the cashback deal activated the platform will credit your account with a certain percentage of your new investments straight away.

Other loans that are listed without the cashback feature will generally start to pay a return after 60 days, like many other platforms. Grupeer is in-line with the rest of the P2P lending industry, and also has some programs that put it in a unique position.

Grupeer Features

Grupeer Auto-invest

Like many other P2P lending marketplaces, Grupeer has also introduced an auto-invest feature. This program is specially designed for those who are very busy with their existing businesses and don’t have extra time to go through all investment opportunities on the platform.

With Grupeer auto-invest, an investor can design an auto-Investment strategy along any lines they choose. The feature will automatically invest in projects that fit the specified parameters and can be reviewed at any time. You can also set a limit of how much you want to invest via auto-Invest.

Auto Invest
The Auto Invest Dashboard

Grupeer Customer Service

There are a lot of options for getting in touch with Grupeer, and it is a multilingual platform. Phone, emails or live chat are available, and three major languages are offered.

Telephone support is offered on weekdays between 09.00 – 16.00 in English, German and Spanish and for email, the company says you will get a response in a maximum of one or two days after you lodge an inquiry. Investors can also search through answers on the FAQ section of the Grupeer website.

Investing With Grupeer

Both private individuals and companies can invest on Grupeer’s platform but they all must follow the general requirements listed below as per EU Anti Money Laundering laws.

  • Must be 18 years old
  • Must be a resident of the European Economic Area (EEA) or Switzerland
  • Must have a bank account in the EEA or Switzerland

It is also possible to register if you have a bank account in another country, but Grupeer required to do additional KYC work and gather more information if you aren’t in the EEA or Switzerland. This will be less convenient for you and is worth keeping in mind before you start the process.

Grupeer: Account setup

Opening an account online with Grupeer is relatively easy (as long as you are in the EEA or Switzerland), and you just need to follow three simple steps:

  • Step 1: To begin, you need to fill data that will show Grupeer your name (or business name), country, email address, telephone number and password for registration. You can simply click on the “Register” button on the home page and provide the info that it asks for. After completing the registration, you will receive a confirmation email with a message that tells you that an account has been successfully created.
  • Step 2: Once you are done with the registration form, the next step is to verify the identity. You simply need to follow the instructions and provide a scan of Identity card as well as tax documents that pertain to you or your company. After finish the identity check, the site will take you to the account balance page.
  • Step 3: Now your new account should be ready to use, and you can use the platform dashboard after completing all the steps. You still need to add funds to your account to invest, and it’s very easy to add funds to Grupeer account. Just click on the “Add funds” button. After that, it will take you to the deposit method options to top up your account and start investing.

Grupeer Signup

Grupeer Deposits & Withdrawals

Making withdrawals and deposits with Grupeer is similar to many other peer-to-peer lending platforms.

Grupeer accepts transactions by bank transfer (SEPA transfer so an IBAN number is required) according to anti-money laundering laws. Grupeer does not accept payments from online payment services companies.

Deposits normally appear in your account within a day of confirmed arrival to Grupeer (this may take 2-3 banking days). When the funds added to your account you will receive a confirmation email, and you can start investing.

It’s very simple to withdrawal funds from your account at well. You just need to click the “withdraw funds” button and put the amount you would like to receive in the field.

Then you will have to wait for two days to receive the money you requested. Withdrawals can only be done with your verified bank account. There is no minimum withdrawal and no extra fees for withdrawing funds.

Grupeer Deposits
Grupeer Deposits Page

Which Countries are Accepted?

The platform accepts investors from the EEA as well as Switzerland. Investors from the following countries can invest through Grupeer with its normal guidelines.

1. Austria
2. Belgium
3. Bulgaria
4. Croatia
5. Italy
6. Netherlands
7. Norway
8. Poland
9. Cyprus
10. Czech Republic
11. Denmark
12. Finland
13. Greece
14. Hungary
15. Ireland
16. Malta

The website is available in many languages: English, Russian, German, French and Spanish; however, the quality of the translations vary greatly from one language to another.

Types of Loans

Grupeer currently offers various types of pre-issued loans that investors can choose from.

Some of these loans are made for the purchase of cars, mortgage loans, consumer loans, business loans, as well as for development projects. All of these loans will have some form of collateral, which is important from the standpoint of risk.

Development loans are loans that are offered to businesses during the initial stages of a land development project and normally these loans don’t pay interest during the grace period. You can divide your investments in more than one type of loan, and ensure that you have the income that you expect from your investments.

Development Projects
Development Projects

If you are interested in shorter-term investments the platform offers loans of a few months in duration, which means that your capital will be returned quickly.

The major loan details like loan duration, type, date issued and how much of the total amount is open for public investment will be described to you as an investor if you delegate your capital manually.

Grupeer Loans Dashboard
The Grupeer Loans Dashboard

Other Platforms to Learn About

There are more and more P2P and crowdlending platforms showing up in the marketplace, and they all have something unique to offer investors.

Swaper, Bulkestate, Crowdestate, Crowdestor, and Mintos all offer similar investment opportunities, and you might want to learn more about them before you decide which ones to use.

Grupeer vs Mintos: Some Things to Consider

Let’s take a look at two of the most popular P2P lending platforms in Europe, so you have an idea of what they both offer. They both have a very similar business model, and there are a couple of things to keep in mind when choosing a P2P lending platform to invest with.

Mintos Review
You can read our review of Mintos here

There are many things that are similar in both platform as mentioned below:

  • Originated in the same country (Latvia)
  • Both offer a ‘Buy Back’ guarantee
  • Minimum investment of 10 Euro is the same on both platforms
  • Similar loan marketplace business model

How is Grupeer is Different from Mintos?

  • Yields appear to be higher on Grupeer
  • Grupeer has more specified real estate loans opportunities
  • Grupeer focuses on business loans
  • Grupeer provides cashback campaigns for their users, Mintos doesn’t

Every investor will have different goals, and there isn’t a single platform that will be the right choice for every investor. Make sure you understand what a P2P lending platform can and can’t offer you before you decide to allocate your capital.

Visit Mintos

Grupeer: The Rundown

Grupeer is an innovative P2P lending platform that might be a good fit for your investment goals. Let’s have a look at the platform in simple terms.

Facts you need to know about Grupeer:

  • The company is located in Latvia, Europe.
  • Platform registration date: February 2016.
  • 29 loan originators are on the platform.
  • Currencies: EUR
  • 14000 plus investors have joined the marketplace already.
  • Approximately €60,000,000 loans have been made on the platform
  • The Grupeer investment base has over 6500 investors from 80 different countries
  • The yearly average return to investors stands at around 14.35%

Grupeer Pros & Cons


  • High-interest rates
  • A large number of available loans
  • Automatic investing available
  • No investment fees
  • Good diversification opportunities
  • Cashback bonus available
  • Large loan volume
  • Buyback guarantee on all loans
  • It’s quite easy to navigate the site and find information
  • Quick sign-up process and excellent customer service


  • No secondary market or sell back
  • Only indirect investment structure
  • No option to cancel your investment

Is Grupeer Safe?

Investor security is one of the most important things in any industry. Whenever you are investing with an online platform, one of the first issues that comes to mind is risk, and the safety of your money. Grupeer has a very positive reputation in the industry and uses similar safety protocols to a bank.

Grupeer is made by professionals and they do research to provide the best products for its investors. Additionally, the platform complies with anti-money laundering laws, and recently entered the European market via its relocation to Ireland.

There is always some amount of risk when lending money at double-digit interest rates, but the system that Grupeer has designed is solid. If you want to make 10%+ more than you would in a Certificate of Deposit, or Money Market account, you will have to take some risks.

The Risks Involved in Investing With Grupeer

Risk is an important factor to consider when you are investing your money.

With high risks come high rewards, but you may also lose the money you invest. With Grupeer, all loans are generated by different loan originators, so Grupeer isn’t making loans itself.

Investing in P2P lending platforms does carry risk, and some of the risks that pertain to Grupeer are listed below.

  • If the borrower defaults on the loan, and…(see below)
  • The loan originator organization goes bankrupt
  • Grupeer itself goes bankrupt

Grupeer’s Referral Program

Grupeer offers one of the best referral programs in the P2P lending industry.

The referral program is available for all registered members. To find more information about it, look on the website under the ‘Deposit/Withdraw’ section.

You should see a heading called ‘Referral Options’. In this section, you will see various methods of sharing your referral link like send to friends, or on a blog post, or other creative ways that you may choose.

Grupeer offers a bonus of 0.5% to 1.25% on investments made by the person who joined its platform through your individual link.

Is Grupeer a Good Investment Option for You?

Grupeer has a user-friendly platform that is easy to navigate. It offers some great features, despite being relatively new to the P2P lending space.

In terms of returns and safety, Grupeer’s model is designed to be safe for investors. There are no guarantees that nothing will go wrong, but there are safeguards in place for investors.

The company has great customer support and offers consistent returns in excess of 10% per year. While there could be problems in the future, so far, Grupeer has helped to create great returns for investors.

There is no reason why you can’t use more than one P2P lending platform, in order to spread your P2P investments as widely as possible.

Grupeer is a P2P lending platform to keep an eye on, especially if it is able to consistently create returns in excess of 10% per year for its investors.

Visit Grupeer



Ease of Use






Customer Support





  • High-interest rates
  • A large number of available loans
  • Automatic investing available
  • No investment fees
  • Buyback guarantee on all loans


  • No secondary market or sell back
  • Only indirect investment structure
  • No option to cancel your investment

Nicholas is an experienced Finance Journalist who has written for a number of prominent online publications. He grew up in Ann Arbor, Michigan with a father that would read him the Wall St. Journal along side of other bed-time fare. He has traveled extensively, and been lucky enough to study a changing global economy in person. Nicholas spent many years in the Southern Cone of South America, sometimes in the middle of the countryside where livestock starts its journey to all points of the globe. Today he is thoroughly bemused with the stance that Central Banks have taken in the wake of the 2008 meltdown. There is no telling what will come out of the global financial system next, but he is glad that he lives somewhere that gold can be bought and sold readily!

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