Seit November 2023 bin ich in Debitum Investments mit P2P-Krediten investiert. Durchschnittlich über 13 % Zinsen. Keine Ausfälle, solide und zuverlässig wie ein Uhrwerk. Bin sehr zufrieden und kann... Toon meer
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Hi all, I tried to open an ccount with debitum since April 2026. After waiting for nearly 2 months they responded looking for a bit more information and I heard nothing since. So basic... Toon meer
Bedrijf heeft geantwoord
Wonderfull experience! All is clear and without little letters, great platform, simple to use and to understand! I am here more than 2 years, all working, no late paying and good interests!
Bedrijf heeft geantwoord
Awesome and trusted broker! Easy to use and invest, amazing interest rates and loyalty bonus. I strongly recommend. An improving idea could be the chance to exit the investment before the expiration,... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
An online investment platform that allows investing in various business loans around Europe.
Contactgegevens
Dzirnavu iela 67, LV-1011, Riga, Letland
- +37120005452
- support@debitum.investments
- debitum.investments
4,0
Goed
136 reviews
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Sistema KYC di bassa qualita'
Sto provando da tempo a terminare il processo KYC, il loro strumento di acquisizione foto e' pessimo. Se tutto il resto funziona cosi', forse è meglio lasciar perdere. Anche Copilot dice che ci sono tanti utenti con lo stesso frustrante problema.
7 december 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for sharing this – and I’m sorry you’ve had such a frustrating experience with the KYC photo capture.
We use a regulated third-party KYC provider, and while the process normally works smoothly, it clearly hasn’t in your case. A few things that usually help are: using a smartphone with a good-quality camera, taking the photos in good lighting, making sure all four corners of the document are clearly visible, and taking a live selfie rather than a photo of a photo.
That said, you shouldn’t be stuck in a loop. Please contact us at support@debitum.investments from your Debitum email address, and our team will review your case directly and help you complete verification.
Good reliable plattform with all…
Good reliable plattform with all required functions you excpect from a P2P plattform
6 december 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for your feedback! We’re glad you find Debitum Investments reliable and appreciate that it provides all the key functions you expect from a P2P investment platform.
We strive to make investing simple, transparent, and rewarding for our investors.
Ich soll meine Kontoauszüge der letzten…
Ich soll meine Kontoauszüge der letzten 12 Monate hochladen. Bestimmt nicht !!!
28 november 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We understand that you may have concerns regarding our compliance with the AML/CTF laws. Please be assured that our measures are focused on ensuring the security and legality of your investments.
While these processes may feel bureaucratic, they are essential for protecting your investments and ensuring full legal compliance.
If you have any further questions or concerns, please don’t hesitate to reach out.
Keine Ahnung wie man hier Geld einzahlt…
Keine Ahnung wie man hier Geld einzahlt alles auf englisch sehr unübersichtlich nix für mich.
Antwort auf englisch wie krank ist das denn
27 november 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hi,
Thank you for your feedback, but it is not accurate because our website is available in German: https://debitum.investments/de/
Debitum is based in Latvia, so we offer customer support in Latvian and English.
We are sorry for the inconvinience.
Unreliable and rude people. Not worth my money anymore.
I advise my wife to open an account with them. I had one myself for many years. She invested EUR 5k. I invested 11k. They have a refer a friend program. For each referal they pay you a small amount of EUR 20,- i believe. The do not wanna pay because it's my wife and not a friend...
My wife and I have separate bankaccounts and Investments. Debitum says I misled them and want to harvest a bonus. I feel really upset by this and thinking of leaving the platform. There are more friendly and genuine platforms. This statement of them puts me with my feet on the ground.
26 november 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are genuinely sorry to hear that this experience has upset you, especially given your long history with us.
We want to provide clarity on why this decision was made, as it is a matter of policy, not a personal judgment against you.
1. As a regulated investment platform, our Referral Program operates under strict Terms & Conditions. These terms explicitly exclude referrals between immediate family members or individuals residing in the same household.
This is a standard compliance measure used across the financial industry to ensure the program is used for genuine external growth and to prevent potential conflicts of interest. You can view these specific rules in the "Loyalty Program" page terms and conditions.
2. Regarding the "Harvesting" Comment, We sincerely apologize if the language used regarding "bonus harvesting" felt like a personal accusation. In compliance terms, this is simply the technical classification for a referral that does not meet eligibility criteria. It was not intended to question your integrity or the legitimacy of your wife's investment.
Buen equilibrio entre rentabilidad y seguridad
Debitum tiene un buen equilibrio entre rentabilidad y seguridad.
0 % de impagos en cinco años es algo raro en el mundo del P2P.
La plataforma apuesta claramente por la calidad de los prestatarios y no por la cantidad.
Por otro lado, el potencial de crecimiento es limitado, ya que la rentabilidad es fija, sin posibilidad de “upside”.
He añadido Maclear para una parte de mi cartera con el fin de aumentar el ROI medio. Hasta ahora, ambas plataformas están funcionando muy bien.
2 november 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for your insightful review! We are thrilled that you appreciate the balance we strike between profitability and security.
Maintaining a 0% default rate is our top priority, and we achieve this through our rigorous due diligence and strict selection of asset-backed investments.
While our returns are indeed fixed, this predictability is a key feature for investors seeking stability and capital preservation over high-risk volatility.
Thank you for choosing Debitum as the secure anchor in your diversified portfolio.
Plataforma estável, mas mais voltada para investidores conservadores
A plataforma é boa, os pagamentos são feitos sem atrasos e a interface é intuitiva.
Mas parece que o Debitum se tornou mais voltado para investidores conservadores.
Na Maclear, a rentabilidade é maior, mas os riscos são um pouco diferentes.
Acho que o ideal é manter parte da carteira em ambas para equilibrar.
15 april 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Our core philosophy prioritises security and capital preservation above all else. We achieve this through strict due diligence and by ensuring every investment is asset-backed.
We agree that a balanced portfolio is a healthy strategy, and we are proud to serve as the stable, reliable foundation of your investments.
Ehrlich gesagt
Ehrlich gesagt, Debitum hat mich positiv überrascht – Transparenz, Stabilität, alles so, wie es sein soll. Die Rendite liegt etwas über dem Marktdurchschnitt (etwa 13 %), Auszahlungen funktionieren reibungslos.
Nach Bondora und Mintos merkt man, dass hier ein anderer Ansatz verfolgt wird – mehr Kontrolle und weniger Marketing.
Ich habe jetzt Maclear hinzugefügt, um den ROI zu steigern, aber Debitum bleibt für mich die Basis der Stabilität.
10 februari 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for this feedback. You have perfectly described our mission: prioritizing control and asset quality over marketing hype.
We are proud to provide competitive returns while serving as the secure, transparent foundation of your portfolio.
Excellent
Invested here since several years. Smoothly running plattform. Never any problems. I was about the give up my investments here years ago but with CEO change new wind came in and now I am happy that I have even doubled my investment on debitum.
The interest range is quite big from lower interest rates like 8% to quite high interest rates like 16%. Cashbacks can be really received here on the plattform and make investing even more attractive. The track record so far is brilliant. Thank you for such smooth operation!
⭐⭐⭐⭐⭐
Please keep it up this way!
10 oktober 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We can confirm that the platform is fully operational. We recently released updates to improve the investor experience.
If you are having trouble logging in, please contact our Client Support team directly, and we will help you.
Todo bien por ahora
Todo bien por ahora. Plataforma regulada y bien gestionada.
La herramienta auto invest debe mejorarse.
30 augustus 2025
Review zonder uitnodiging
Meine Erfahrung mit Debitum Investment
Meine Erfahrung mit Debitum Investment
Am Anfang wirkte alles sehr professionell und vertrauenswürdig. Doch sobald ich versucht habe, meine Gelder auszuzahlen, verlangte man plötzlich zusätzliche Gebühren. Kurz darauf wurde mein Konto gesperrt und ich hatte keinen Zugriff mehr auf mein Geld.
Zum Glück konnte ich dank der Unterstützung von 𝗵u𝗮thu𝗺 mein gesamtes Kapital zurückerhalten. Ich teile meine Erfahrung, um andere vor den Risiken mit Debitum Investment zu warnen und zu zeigen, dass es mit der richtigen Hilfe doch noch eine Lösung geben kann.
20 juli 2025
Review zonder uitnodiging
Very poor customer service
Very poor customer service — I’ve been waiting for the KYC verification for 4 weeks.
14 augustus 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are sorry that you are experiencing delays with KYC.
The onboarding process is different for each investor, depending on the information provided, and it is a company or personal account.
Our compliance team is doing everything they can to check new registrations as soon as they can.
Our customer support is always ready to answer your questions.
Sie erfüllen endlich meine…
Sie erfüllen endlich meine Rückerstattungsanfrage, nachdem ich sie bei zltd gemeldet habe
23 juli 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are happy that your question was addressed and given a resolution.
Hope your future interactions will be smoother.
Überzogene Datenabfrage bei Anmeldung
Ich habe einen Account erstellt und wollte etwas Geld investieren:
Debitum wollte bei der Anmeldung von mir meine kompletten letzten Kontoauszüge oder Gehaltsabrechnungen für 12 Monate oder die letzte Steuererklärung haben. Ich finde diese Anforderung für eine Geldanlage sehr überzogen und fragwürdig.
2. Dokumente hochladen
Please upload one of the following Source of Funds documents:
bank account statements for the last 12 months (for example Juni 2024 to Juni 2025)
salary pay slips for the last 12 months (for example Juni 2024 to Juni 2025)
tax declaration of previous year
Ich wollte Geld investieren - keinen Kredit anfragen.
23 juli 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We completely understand your reaction. Being asked for detailed financial documents can feel intrusive, especially when you are the one investing capital, not borrowing it.
However, this requirement exists precisely because Debitum is a licensed Investment Brokerage Firm regulated by the Bank of Latvia, not an unregulated P2P website.
We are legally obligated to adhere to strict Anti-Money Laundering (AML) regulations. We request these documents not to check your creditworthiness (as a bank would for a loan), but to verify the legitimate origin of the funds.
This rigorous compliance is a mandatory standard for regulated European financial institutions and ensures the platform remains secure for all investors.
Meine Erfahrungen bei Debitum seit Januar 2024
Meine Erfahrungen bei Debitum sind nur sehr Positiv. Ich bin seit dem 19.01.24 bis jetzt mit über 25.000 Euro investiert.
Klar war die Anmeldung nicht einfach, aber für eine Regulierte Plattform werden halt auch noch andere Daten benötigt. Das ist nun mal so.
Deswegen kann ich die negativen Bewertungen nicht ganz nachvollziehen.
Mein Geld( Zinsen) kommt immer pünktlich und ist meist am gleichen Tag schon auf meinem Konto ( Sparkasse).
Bis jetzt gab es keine Ausfälle und ich bin sehr zu frienden.
Debitum ist eines meiner zuverlässigsten P2P-Plattformen. Kann ich nur empfehlen.
Passiv ziehe ich die Zinsen in Höhe von 300 Euro Monatlich ab. So soll es sein.
19 juli 2025
Review zonder uitnodiging
Excellent
Excellent. High returns on time. Platforms functions very well.
14 juli 2025
Review zonder uitnodiging
A reliable regulated company
I don't recognize the issues in the many recent one-star reviews. I suspect it's a coordinated lender or Disinformation of debitum. I have invested since 2021 and the only issue I have encountered is delayed loans due to the war in Ukraine.
I find it safe to invest in Debitum as it is regulated under MiFID II — one of the most stringent regulatory frameworks in the EU.
3 juli 2025
Review zonder uitnodiging
Ich habe meine Gelder noch nicht…
Ich habe meine Gelder noch nicht erhalten, was die Erfahrung unsicher wirken lässt. Was ich anderswo gesehen habe, zum Beispiel bei fıfthHeaven, zeigt mir, wie reibungslos es auch laufen kann.
10 juni 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are sorry that you had problems with your funds.
Please contact support@debitum.investments if you need help with your funds, and we will help you.
Ich habe mehrere P2P-Plattformen…
Ich habe mehrere P2P-Plattformen ausprobiert, aber keine verlangte so viele persönliche Informationen, nur um an mein Geld zu kommen. Bei DEBITUM habe ich das Gefühl, sie tun alles, um mein Geld zurückzuhalten. Das hat mich die reibungslosere Erfahrung bei FifthHeaven & Co schätzen lassen, wo Auszahlungen problemlos funktionieren.
2 juni 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We understand your frustration, especially if you are used to platforms with lighter requirements.
The reason for these checks is that Debitum is not a standard P2P website. We are a licensed Investment Brokerage Firm supervised by the Bank of Latvia.
Unlike unregulated platforms, we are legally required to strictly adhere to EU Anti-Money Laundering (AML) regulations. We do not withhold funds for our own benefit; we are simply mandated by law to verify the source of funds before processing certain transactions.
This high level of compliance is what ensures the platform remains secure for all investors. As soon as the required verification is complete, your funds will be released immediately.
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