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Ekassa review 2020

Read our Ekassa review, and decide if you should use them.

Review of Ekassa


We find the return compared to the safety favorable.

Beginner Friendly

The Ekassa P2P platform is very beginner friendly.

Investor Protection

Ekassa has made a lot of safety measures.


Investors get an average return of 7-13%.

We Like

  • Safe platform
  • No investment fees
  • Incredibly simple investing process
  • Possible to use auto invest

We Don’t Like

  • High early exit fees
  • No manual investments
  • Limited diversification options

Summary: Ekassa is definitely not a scam. They offer great protection for their investors in the lines of bigger P2P lending platforms. And with their extremely simple investment process, you get an easy and safe investment product that can quickly get you started investing in P2P loans. Ekassa is definitely a challenger on the market, which any European P2P investor should take a closer look at.

Get a 1% bonus the first investment in Ekassa’s guaranteed product

Last updated: March 27, 2020

Ekassa review

Ekassa is a somewhat new platform. And with only a few articles and reviews about them on the internet, we decided to take a look at the platform. We wanted to assess if they are a good choice for P2P lending. The result of our findings is this Ekassa review.

In this Ekassa review, you will, amongst other things, find our best assessment of how safe Ekassa really is. So take your time to read through this review, and decide if you should use Ekassa, or if you should rather go with one of the many other Peer-to-Peer lending sites on the market.

We want to remind you that this Ekassa review only reflects our own opinion about the platform. Nothing that you can find in this review should, therefore, be considered as financial advice. If you have something specific you want to know more about, feel free to use the navigation below. Enjoy!

Learn about the following in our Ekassa review:

What is Ekassa?

Ekassa is a P2P lending platform focused on different types of consumer loans. They are a part of an international finance group, which started their operations back in 2012. However, the Ekassa P2P lending platform was first released in 2018.

The Peer-to-Peer platform itself, differentiate from a lot of competitors by its simplicity. They offer a package solution, where you can decide between a few different strategies. This makes the process of getting to investing really easy:

Ekassa review auto invest

Both the guaranteed and the profitable package relies on Ekassa’s auto invest algorithm, and you can start using it with as little as €10.

What rate of return can you expect?

The rate of return you can expect at Ekassa depends a lot of how you decide to invest. Realistically, you can expect a return somewhere in the range of 7-13%.

Primarily, your return depends on the length you choose to invest your money in. However, which investment package you choose also has an impact on your return. Of course, if you choose their guaranteed package, then your return will be lower than if you choose the package without. Guarantees are not free.

Who can invest via Ekassa?

Investing at Ekassa is, at the moment, only an option for European investors. If you want to open an account on the platform, you’ll have to comply with the following:


  • Being at least 18 years old
  • Having a bank account
  • Being from Europe
  • Proving your identity

If you comply with the requirements listed above, it should be fairly easy for you to sign up as an investor at Ekassa. Simply follow the following process:

  1. Create an account
  2. Add funds (EUR or PLN) to your account
  3. Choose a strategy and start investing

As you can see, there are both very few requirements to sign up, and it’s really easy to start investing with Ekassa.

Would you like to become an Ekassa investor? Then press the button below in order to sign up. It is the fastest way to get from reading this Ekassa review to actually invest yourself:

Is Ekassa safe to use?

This Ekassa review is mainly aimed at examining the safety of the platform. Therefore, we have taken a look at what Ekassa has done to secure their investors:

Thorough due diligence

The first thing we noticed on their website is that they have informed about their risk management procedure. Here they have described their due diligence method.

What we mainly noticed is the thoroughness of the assessment of the borrowers. Among other things, more than 50 parameters are used to score them. Credit rating is also carried out at any time by a minimum of 3 credit bureaus.

The thorough due diligence shows Ekassa’s seriousness and helps put them on the map along with large P2P lending platforms such as Mintos and Grupeer.

Skin in the game

In addition to the thorough due diligence of the borrowers, Ekassa also has big requirements for the loan providers. It is a requirement that the lenders on the platform retain a stake of at least 10% of the total loan. This helps ensure that there are aligned incentives for investors and lenders. 10% is at the high end for P2P platforms, which is a positive sign.

Loan diversification

The platform’s spread of risk across individual loans is good. There is a diversification between a number of borrowers, and also loan types. The maximum you will ever have allocated in a single loan is €20.

We would, however, have liked to see a few more types of loans on the platform. However, this can easily be remedied by supplementing Ekassa with a project-oriented platform like Flender or Crowdestor.

Also, be aware that you can never be absolutely sure how secure the loans on a platform are. If all the loans are of questionable quality, then diversification between many questionable loans effectively don’t matter.

Measures against late payment

Ekassa has also made some procedures for late or non-payment of the loans.

If a borrower fails to repay a loan, the borrower is actively contacted. This helps ensure that a larger proportion of borrowers actually repay their loans.

If you choose Ekassa guaranteed product, the company will also guarantee to buy back the loans from you in case of non-payment. We recommend the use of buyback guarantees in the beginning. Later, you can always experiment with not using it.

Can I get an Ekassa promo code?

Unfortunately, there are not any Ekassa promo codes around at the moment. We did, however, make an agreement with Ekassa. The agreement gets you an additional 1% for the first investment you make in the guaranteed product. The additional rate is put on top of the standard rate in their guaranteed product.

So instead of an Ekassa promo code, you can use any link from this site to theirs in order to easily add a little extra to your portfolio.

Would you like to claim the bonus? Then press the button below to activate your bonus now. But please be aware that the bonus is only for the guaranteed product. Luckily, it’s also the safest way to try investing on their platform:

Set up an Ekassa auto invest strategy

The Ekassa P2P lending platform is built around its auto invest algorithm.

So once you have signed up at their site and transferred money to your account, you will have to choose one of the two Ekassa investment packages. The packages can be adapted to your desired risk/reward level.

The process of setting up your auto invest strategy looks like this:

Ekassa review auto invest

Primarily, you will have to choose between one of their two products:

  • Guaranteed
  • Profitable

The main difference between the two products is that one has guaranteed profits, and the other doesn’t.

You will have to decide how long you want to invest. The duration of the loans is short, ranging from 1 to 6 months.

Going with 6 months will earn you a higher return, than choosing just 1 month. So if you won’t need the money within the 6 months, we recommend picking that one.

Conclusion of our Ekassa review

Ekassa is definitely not a scam. They have done their part to make the investment experience safe for you as an investor and lives up to what many of the larger platforms offer.

If you, as a European investor, are looking for a P2P lending platform where you do not have to bother with configuring auto invest strategies, then Ekassa made themselves an obvious choice.

Do you want to invest via the platform after reading our Ekassa review? Simply click on the button below. This will take you to their site, where you can sign up and get started. Remember that by using the links on this page, you will get a 1% bonus on the first investment you make in their guaranteed product: