TWINO announced it's discontinuing GBP services from 9 July 2026, and told UK customers that to keep investing (or avoid a €35 withdrawal fee) we need to link a new EU/EEA SEPA bank account. I hav... Toon meer
Bedrijf heeft geantwoord
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Lees wat reviewers zeggen
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 Kre... Toon meer
Bedrijf heeft geantwoord
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 w... Toon meer
Bedrijf heeft geantwoord
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... Toon meer
Bedrijfsgegevens
Geschreven door het bedrijf
Discover TWINO, a leading European investment platform providing accessibility, security, and high-yield investing opportunities. As a licensed investment brokerage firm supervised by Latvijas Banka, TWINO adheres to strict EU investor protection rules and offers financial instruments that are simple and trustworthy. Our user-friendly platform caters to both seasoned and novice investors, delivering impressive returns of over 12% p.a. TWINO's commitment to transparency and compliance ensures a secure environment providing peace of mind while pursuing high returns.
Contactgegevens
Pērses iela 2A, LV-1010, Riga, Letland
- +371 66 259 594
- info@twino.eu
- twino.eu
2,9
Gemiddeld
112 reviews
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Reageert doorgaans binnen 48 uur
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Very solid and reliable P2P Platform…
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.
12 juni 2025
Review zonder uitnodiging
Great platform for investing.
11 juni 2025
Review zonder uitnodiging
Ive been member since 2023
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
11 mei 2025
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Thank you for being part of TWINO, and for sharing your honest feedback.
You’re absolutely right that we haven’t communicated well enough about the Rentals product, and we’re actively working to change that. Recently, we published detailed performance updates and statistics for each property, which you can find here:
🔗 https://blog.twino.eu/update-on-rentals/
Please rest assured: your funds are not stuck. The Rentals simply haven’t generated income, which is why you haven’t seen returns. We’ve also made the strategic decision to phase out the Rentals product entirely. As part of this process, all invested capital, along with any profits from the sale of the properties, will be returned to investors.
If you have further questions or need help reviewing your portfolio, feel free to reach out to info@twino.eu.
Best regards,
Kristiana from TWINO
Esperienza positiva da oltre 4 anni
Esperienza positiva da oltre 4 anni, azienda seria e competente
2 mei 2024
Review zonder uitnodiging
No updates, no transparency, and no reports.
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.
29 april 2025
Review zonder uitnodiging
Antwoord van TWINO Investments AS
We're truly sorry to hear about your negative experience with TWINO, and we appreciate your honest feedback.
You're absolutely right that communication around Rentals has been lacking, and for that, we sincerely apologize. We've now published detailed updates and performance statistics for each property on our blog. You can find all the information right here:
🔗 https://blog.twino.eu/update-on-rentals/
We understand that from your perspective, your funds may feel stuck, as they are currently illiquid and not generating returns. This is due to the underperformance of the Rentals properties, which have not been producing income. To address this, we've made the strategic decision to phase out the Rentals product. As part of this process, we will begin liquidating the properties, and all invested capital, along with any profits from the sales, will be returned to you. We appreciate your patience and continued support as we work toward returning your investment.
We also recognize that our support response times need significant improvement, and we're actively working to speed up our replies.
Best regards,
Kristiana from TWINO
Good option to lose your money
Good option to lose your money. The worst service ever.
6 februari 2025
Review zonder uitnodiging
Antwoord van TWINO Investments AS
We're very sorry to hear you've had a negative experience and feel this way.
Please reach out to us directly at info@twino.eu.
We'd like to understand your specific concerns and help address them.
Best regards,
Kristiana from TWINO
Buyback guarantee does not guarantee…
Buyback guarantee does not guarantee anything. Several loans defaulted and Twino has not compensated since 2022.
7 februari 2025
Review zonder uitnodiging
Buyback guarantee is shambles
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.
25 januari 2025
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Thank you for your feedback. We’d like to clarify the points you raised.
First, it’s important to distinguish between the buyback guarantee offered by the TWINO platform for the claim rights product (that was offered before it became a regulated investment brokerage firm), and the Securities product currently offered on the platform. The buyback guarantee, as you describe it, does not apply to the Securities. The Securities differ from the previously offered product, where loans were issued directly to individual borrowers and sold to the investors in the form of claim rights. In this case, a buyback or payment guarantee (typically provided by the loan originator) protects investors from the defaults of individual borrowers to whom the loan originators have granted loans.
Secondly, for the Securities, the underlying loans are business loans issued to the loan originator itself (not the individual borrowers), meaning the loan originator is the borrower and is contractually responsible for the repayment of the Loan. Second, for the Securities, the underlying loans are business loans issued to the loan originator itself (not the individual borrowers), meaning the loan originator is the borrower and is contractually responsible for the repayment of the Loan. If a loan originator fails to meet its obligations – such as in the case of VAMO Vietnam – legal actions are taken to try to recover investor funds.
Third, neither the claim rights product nor the Securities product carries any liability towards the investors other than the buyback guarantee (for the claim rights product) and the contractual responsibility for repayment (for the Securities product), both of which come from the loan originator itself. In either case, the investments carry a risk that the loan originator might default. Full information on the rights and obligations related to the Securities is available in the relevant prospectus.
Regarding the claim rights product, subject to the buy-back guarantee, it should be noted that the Russian loan originator has not defaulted and is willing to fulfill its obligations. However, circumstances beyond the control of all parties – specifically limitations related to fund transfer from Russia – make it impossible. Despite this, TWINO has found solutions to continue making monthly repayments, and delays in full repayment are solely due to capital flow restrictions, not a lack of available funds.
We understand that delays can be frustrating, and we remain committed to transparent communication and investor protection. If you have further questions, our Customer Relations team is available to assist.
We kindly remind you that investing inherently involves various risks, and it's essential to understand them to make informed decisions. One primary risk is borrower default, where the borrower fails to repay the loan, potentially leading to a partial or total loss of the invested amount. To mitigate this, many platforms offer buyback obligations, where the loan originator repurchases the loan if it's overdue by a certain period, typically 60 days. However, the effectiveness of this safeguard depends on the financial stability of the loan originator; if they face financial difficulties, they may be unable to fulfill the buyback commitment. Understanding these aspects can help investors navigate the complexities of peer-to-peer lending and make decisions aligned with their risk tolerance and financial goals.
Sie wollen vielzuviele personnenbezogen Daten
"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."
11 november 2024
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Dear Investor,
Thank you for sharing your feedback—we completely understand your concerns about providing personal data.
As a regulated investment firm based in Latvia, we're legally required to follow strict financial guidelines. These rules, known as "Know Your Customer" (KYC) and anti-money laundering (AML) regulations, exist to protect both you and the financial system by helping us verify clients, transactions, and fund origins.
We only request information that’s absolutely necessary to meet these important obligations and ensure our platform remains safe, transparent, and reliable for all investors.
Thanks again for your understanding,
Kristiana from TWINO
is ok
is ok. Getting good returns % wise for several years now
31 oktober 2024
Review zonder uitnodiging
Ungenügender Kundenservice
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.
31 augustus 2024
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Lieber Ralf,
es tut uns leid, dass Sie eine schlechte Erfahrung mit unserem Kundensupport gemacht haben.
Wir wissen Ihr Feedback sehr zu schätzen und würden uns freuen, wenn Sie Ihre Bewertung aufgrund dieser zusätzlichen Klarstellung noch einmal überdenken könnten.
Natürlich stehen wir Ihnen jederzeit für weitere Fragen oder Unterstützung zur Verfügung.
Zu diesem Zeitpunkt ist uns die von Ihnen beschriebene Situation noch nicht begegnet. Bitte geben Sie uns etwas Zeit, uns mit Ihnen in Verbindung zu setzen, da Ihr Profil wahrscheinlich bereits überprüft wird.
Da es sich um ein individuelles Problem zu handeln scheint, hängt es häufig mit dem Webbrowser, dem Gerät, dem Cache oder ähnlichen Faktoren zusammen. Wir werden uns jedoch in Kürze mit Ihnen in Verbindung setzen, um die Ursache zu klären und das Problem zu beheben.
Bank account at Twino hacked and robbed by fraudsters
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
30 augustus 2024
Review zonder uitnodiging
Twino beendet die Geschäftsbeziehung…
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.
10 april 2024
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Es tut uns leid, wenn die derzeitige Situation negative Gefühle ausgelöst hat.
Wir sind uns bewusst, dass es für die Kunden schwierig ist, verschiedene Daten zu erfassen und die Durchführbarkeit der Bereitstellung der erforderlichen Informationen zu beurteilen, und bemühen uns, nur die wesentlichen Daten anzufordern.
Als reguliertes Finanzinstitut sind wir jedoch zur Einhaltung zahlreicher Vorschriften verpflichtet, und die Bestätigung der Herkunft von Geldern hat für uns nach wie vor höchste Priorität. Leider kann die Nichtbereitstellung dieser Daten die Beendigung der Zusammenarbeit zur Folge haben.
Not recommended at all
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.
7 februari 2024
Review zonder uitnodiging
Fehlender min/max EUR Betrag pro Kreditpaket
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.
14 december 2023
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Hallo Denni,
es tut uns leid, dass Sie schlechte Erfahrungen mit unserem Kundensupport erlebt haben.
Wir möchten klarstellen, dass die Einstellung "pro Kredit" nicht mehr angewendet wird, da sich das Produkt geändert hat. Das dem Wertpapier zugrunde liegende Darlehen ist ein Geschäftsdarlehen, das an den Darlehensgeber vergeben wurde. Dies bedeutet, dass es bereits eine gewisse Diversifikation bietet, da der Darlehensgeber Kredite an mehrere unterschiedliche Einzeldarlehensnehmer vergibt.
Wir hoffen, dass diese Informationen zur Klärung beitragen. Wir schätzen Ihr Feedback sehr und würden es wertschätzen, wenn Sie, basierend auf dieser zusätzlichen Klarstellung, Ihre Bewertung überdenken könnten. Natürlich stehen wir Ihnen für weitere Fragen oder benötigte Unterstützung jederzeit zur Verfügung. Zögern Sie bitte nicht, sich erneut an unseren Kundensupport zu wenden. Unser Ziel ist es, Ihnen die bestmögliche Unterstützung zu bieten.
Mit freundlichen Grüßen,
Ihr TWINO-Team
Por ahora todo correcto
Llevo Unos meses en la plataforma y por ahora todo correcto y con los pagos al día.
Seguiré invirtiendo más en esta plataforma.
13 januari 2024
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Dear Antonio,
thank you for your review! It's great to hear you're satisfied with your experience and considering further investments. If you need any assistance, please do not hesitate to contact our customer support!
Kind regards,
TWINO Team
It is not possible to take back my…
It is not possible to take back my money (russian investments and infinitive extensions loans)
1 mei 2023
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Dear Christos,
thank you for sharing your concerns. We value your feedback and would like to address the points you've raised regarding the investments.
As we have already communicated, the Buyback guarantee cannot be ensured anymore for the Russian loans due to the geopolitical situation. However, we are consistently receiving scheduled monthly repayments of RUB 10 million, which are allocated to investors once per month on a pro-rata basis, and you keep earning interest on the outstanding principal. As of today, over €1.4 million of war-affected loans have been repaid in total.
Furthermore, Venture loans were extended in line with the assignment agreement which states that the loan maturity may be extended at the lender's own discretion, but no more than two times and each of the extensions may not exceed 12 months. We informed investors about this extension in September 2022.
We want to assure you that we are committed to providing the best possible service. If you have any further questions or need assistance, please don't hesitate to reach out to our customer support. We hope that this information clarifies your concerns and you might reconsider your review in light of this. We would like to point out that TWINO strives to maintain transparency and provide a fair representation of our services to our customers.
Kind regards,
TWINO Team
Ststements statements Proof And more statements
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.
3 maart 2023
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Dear Chris,
thank you for taking the time to provide us with your feedback regarding your experience with TWINO!
We apologize for any inconvenience you may have experienced in trying to reach us through our phone system. We understand that it is essential to be reachable and responsive to our investors, and we regret that we were not able to provide you with the level of service you deserve. We would like to point out that we have reviewed our phone system operators in order to ensure better service.
We also want to clarify that as a regulated financial institution, we are required to comply with the norms and regulations set forth by the Republic of Latvia. One of these requirements is to ensure that we know our customers and the origin of their funds. This means that at certain amounts, we may need to ask for additional information.
While we understand that this may be a cumbersome process, we believe that being responsive to Anti-Money-Laundering (AML) and compliance matters is crucial to providing you with the best possible service.
Furthermore, we recognize that this process may be inconvenient and time-consuming, and we appreciate your patience and understanding while we work to ensure compliance with regulatory requirements. Unfortunately, we are unable to identify your specific situation. However, if you have any doubts or concerns, please do not hesitate to contact us at info@twinoinvest.eu, and we will do our best to assist you.
We appreciate your feedback, which helps us improve our services and better meet our investors' needs.
Kind regards,
TWINO Team
bad plateform
25 november 2022
Review zonder uitnodiging
Antwoord van TWINO Investments AS
Dear Docil,
Thank you for the review. We are sorry to hear that you had bad experience with TWINO. May we ask you to provide a detailed explanation on what was the problem that you faced? Your feedback is truly important and will help us improving the processes in the future.
Please e-mail us at info@twinoinvest.eu explaining the issue and we will get back to you.
Kind regards
TWINO team
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