Hive5 review 2025

Read this Hive5 review to discover the pros and cons of the P2P lending platform. You will get a detailed assessment of the platform, its features, and any potential drawbacks. See a quick overview of our analysis of Hive5 just below:

Read the in-depth Hive5 review

In the full review, we provide an in-depth analysis of Hive5 and how the platform compares to the +30 other P2P lending platforms we have tested and reviewed since 2019.

Read our Hive5 review for insights on its benefits, drawbacks, and risk mitigation strategies. We examine Hive5’s features, investor implications, missed opportunities, and the risks involved. This hive5.co review is our opinion and not financial advice.

Learn about the following in our Hive5 review:

• What is Hive5?
• Is it safe to invest on Hive5?
• What is the return on Hive5?
• What are the fees on Hive5?
• Who can invest on Hive5?
• How to invest on Hive5?
• How to withdraw money from Hive5?
• What are the best Hive5 alternatives?
• Conclusion of our Hive5 review

What is Hive5?

Hive5 is a Croatian-based P2P lending marketplace with Lithuanian roots. It was launched in 2022 by the Hive Finance group and offers advertised returns of up to 16%. You can begin investing on the platform with as little as €10.

Hive5 works by connecting loan originators and investors on its online marketplace. Loan originators pre-fund their loans, and investors can then choose from various loan types, including short-term, business, and Buy Now Pay Later (BNPL) loans.

Hive5 has over 19,000 investors on its platform and has funded more than €83 million in loans.

The platform’s credibility is backed by its shareholders, Ričardas Vandzinskas and Andrius Rupšys, who have extensive experience in corporate governance, risk management, and international business.

Hive5 Marketplace d.o.o. is not regulated, as it is not required in the jurisdiction in which it operates.

Hive5 statistics:

Launched:	2022
Investors:	19,000 +
Interest rate:	12 – 16 %
Loan period:	0 – 21 months
Loan type:	Short-term and BNPL
Loans funded:	€ 77,000,000 +
Min. investment:	€ 10
Max. investment:	Unlimited

Is it safe to invest on Hive5?

Hive5 is not considered one of the safest P2P lending platforms, as it focuses on high-risk, high-reward loans. However, it has been operating reliably since 2022 without any reported capital loss for investors. All loans on Hive5 come with a buyback guarantee, which offers a layer of protection, though it does not eliminate the inherent risks.

While Hive5 Marketplace d.o.o. is not regulated, the platform is owned by the profitable Hive Finance Group, which indicates that Hive5 is legit and not a scam.

Loan originators

Hive5 has 4 loan originators in 4 countries that deal in 4 different loan types, resulting in a narrower diversification profile compared to larger marketplaces such as Mintos or PeerBerry.

Hive5 buyback guarantee

On Hive5, all loans are covered by a 60-day buyback guarantee. This means that if a borrower is more than 60 days late with repayments, the loan originator automatically repurchases the loan from the investor along with accrued interest.

The Hive5 buyback guarantee has a duration of 60 days, which is the industry standard. This is longer compared to Robocash and Loanch, which offer the shortest buyback duration on the market at 30 days.

Investors should keep in mind that the reliability of the Hive5 buyback obligation depends on the financial stability of the loan originators. If the loan originators are unable to buy back the loans, the buyback guarantee becomes worthless.

Hive5 double shield protection

The Hive5 double shield protection creates a more secure and attractive investment opportunity for investors, as it minimizes the risks involved in some of the loans on Hive5.

The Hive5 double shield protection is a unique safety feature offered by Ruptela on its BNPL (Buy Now, Pay Later) loans, which provides an added layer of security for investors. This double shield protection comprises two significant components:

• Buyback guarantee.
• Collateral in the form of GPS Fleet tracking devices.

For investors, this means that their investments have a higher level of security compared to other platforms that typically provide only a single layer of protection, either buyback or collateral.

In case of any delays or defaults in loan repayments, the GPS tracking devices pledged as collateral can be immediately ceased, acting as an effective debt-collection tool. The devices have a higher value than the loan amount, ensuring that investors are well-protected.

How solid is the company?

Hive5 appears to be performing well. Despite being established recently, Hive5 has already achieved significant milestones. Since its launch in 2022, it has become one of the fastest-growing marketplaces for investing in loans, attracting clients from the biggest European countries and reputable corporations.

That being said, Hive5 is not yet profitable and came out with a loss of €16,424 according to its audited financial report. This is to be expected for a young company like Hive5 that is investing in growth and the loss is fairly small.

Two-factor authentication

Hive5 offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.

What is the return on Hive5?

Hive5’s average annual investment return is 14.53%. This places the platform at the higher end compared to other European P2P lending platforms, where advertised returns typically range between 9% and 15%. Such elevated returns may suggest a comparatively higher level of risk.

The interest rates on Hive5 ranges from 12.5% to 15%, which offers a rather narrow band of variation. Despite the relatively high rates, the platform’s returns have shown notable stability, with no widespread reports of substantial fluctuations.

Hive5 appears to have minimal issues with cash drag, meaning funds are generally deployed quickly without long idle periods.

Hive5 loyalty program:

The Hive5 loyalty program is designed to attract both medium and larger investors with bonuses starting at a relatively low entry barrier of €5,000. This program provides structured bonuses that increase with larger investment amounts, offering potential investors a reason to increase their portfolio size with Hive5 over time.

• Navigator: Get a 0.50% bonus on €5,000+ portfolios after 90 days.
• Voyager: Get a 0.75% bonus on €10,000+ portfolios after 90 days.
• Pioneer: Get a 1.00% bonus on €20,000+ portfolios after 90 days.

Compared to other platforms, the Hive5 loyalty program is the best for investments between €5,000 and €24,999, as it offers a higher bonus than its competitors. For investors with a portfolio over €25,000, Swaper is the most attractive option due to its high bonus of 2%, surpassing the loyalty bonuses provided by other platforms, including Hive5.

What are the fees on Hive5?

Hive5 does not charge any fees to investors. All services, including account creation, investment, and withdrawal of funds, are free of charge. As there are no fees on Hive5, investors can easily calculate their real returns without worrying about hidden fees.

Instead of passing costs onto investors, Hive5 earns its revenue by charging a commission to the loan originators – the companies that list their loans on the platform.

• Deposit fee: No
• Investment fee: No
• Inactivity fee: No
• Selling fee: No
• Withdrawal fee: No

With a simple 0% fee structure and no hidden charges, Hive5 stands out from its largest competitor, Mintos, which has a more complex fee structure with charges for different services.

Does Hive5 withhold taxes?

Hive5 does not withhold taxes from investors’ earnings, which can simplify your tax process compared to some regulated competitors (such as Mintos, NEO Finance, VIAINVEST, and TWINO) that deduct a portion of your returns for tax purposes. By not withholding any taxes, Hive5 allows you greater flexibility in how you manage and report your income.

Tax report

Hive5 provides a tax report that makes submitting your earnings to local authorities more straightforward. You can easily download your tax statement from your dashboard on the Hive5 platform, ensuring you have all the information you need for filing.

Who can invest on Hive5?

Hive5 is available to all investors (both individuals and companies) who are at least 18 years old and have a bank account in the EU, provided they are not from high-risk third countries.

Requirements:

• You must be at least 18 years old
• You must have a bank account in the European Union
• You must not be from a high-risk third country

If you meet these criteria, you can sign up on https://hive5.co/.

How to invest on Hive5?

Before you can start investing on Hive5, you must complete the following steps:

1. Sign up on the Hive5 website.
2. Verify your identity.
3. Complete the KYC questionnaire.
4. Deposit funds into your account.

The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.

You can deposit money into your Hive5 account using SEPA transfers, as well as third-party payment services like Wise or Revolut. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).

Once you have funded your account, you can start investing in P2P loans on the platform. Hive5 allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.

Hive5 auto-invest

Hive5 provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.

The auto-invest tool enables you to configure key parameters, including portfolio size, maximum investment per loan, interest rate, loan term, and loan originators. You can also automatically reinvest all returns.

Setting up a Hive5 auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.

How to withdraw money from Hive5?

You can withdraw your uninvested funds from Hive5 at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €0.01 and it usually takes 1-2 business days for your funds to arrive in your bank account.

Hive5 does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.

To exit Hive5, you must first turn off all auto-invest strategies and wait for any outstanding loans to mature. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.

No secondary market

Hive5 does not have a secondary market, which means that investors must hold loans until they reach maturity. While this may not pose a problem for short-term loans with durations of 30 days, it can present a significant liquidity risk for investors with long-term loans.

The lack of a Hive5 secondary market is a major drawback compared to other platforms like Mintos and Esketit, which offer secondary markets for enhanced liquidity.

What are the best Hive5 alternatives?

Some of the best alternatives to Hive5 are PeerBerry, Esketit and Debitum. Each offers a competitive range of investment opportunities, though only Esketit features a secondary market for enhanced liquidity.

Conclusion of our Hive5 review

Hive5 is one of the best P2P lending platforms in Europe for short-term and BNPL loans. The platform sets itself apart by offering an innovative double shield protection featuring both a buyback guarantee and GPS Fleet tracking devices as collateral, which adds an extra layer of security for investors.

While Hive5 delivers high returns around 14.60%, zero fees for investors, and an intuitive interface that supports quick account setup, the lack of a secondary market and its relatively short track record may deter those seeking immediate liquidity and a longer operational history.

Hive5 is worth considering for investors who are comfortable with short-term loans and appreciate transparent financial reporting. It might not be a good fit for highly risk-averse individuals or those who prioritize instant liquidity through a secondary market. If you prefer fast access to funds or a more established platform, you can explore other P2P lending platforms.

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