Twino Review 2025: My Results after 5 Years
My detailed experience investing on Twino P2P lending platform over 4+ years, including returns, safety analysis, and investment strategy
Quick Verdict
After four years of investing on Twino, my experience has been excellent with consistent 10.94% annual returns. The platform handled the COVID-19 crisis well, offers buyback guarantees on many loans, and is applying for an investment brokerage license, making it one of my main P2P lending platforms for the future.
Try TwinoWhat is Twino?
Twino is a Peer-to-Peer platform based in Latvia and is one of the largest Peer-to-Peer lending platform in Europe, with over 1 billion Euros worth of loans funded since the creation of the platform. They currently have over 20,000 investors. They also reached profitability back in 2018, which is a very good sign for a Peer-to-Peer lending platform.
They currently propose loans from 5 different countries, and of 3 different types (consumer loans, business loans, and invoices financing), meaning that investors can diversify their investments in several countries, and also several loan types.
They also won several awards over the years, including the BankingCheck award in 2019, and they have a very good rating of 4.2 stars over 5 on Trustpilot, meaning it's a platform that is really popular amongst its users.
What Returns Can You Expect?
Real returns based on my investing experience
On their homepage, Twino advertises loans with over 14% returns, however many loans on the platform have slightly lower returns. My personal return over the past years is currently at 10.94%, as I invest mostly in shorter term loans with lower interest rates.
I've also been investing in the platform since November 2015, and the returns have always been consistent. I found out that my current yield is at 10.71% based on raw data, which is in line with the loans I invested in.
Special Investment Features
Twino offers additional investment opportunities beyond traditional P2P lending
Twino Ventures
Real estate development projects with 12%+ yields, backed by commercial pledges or mortgages
Auto-Invest Function
Fully automated investment strategy with customizable filters for loan types, yields, and terms
Multi-Country Diversification
Invest across 5 different countries and 3 loan types for maximum portfolio diversification
I use auto-invest with 10% minimum yield, buyback guarantee only, and short-term loans (under 1 year) for optimal risk-adjusted returns
Is Twino Safe?
Key safety features and regulatory compliance
Buyback Guarantee
Many loans come with automatic buyback after 60 days of late payment, protecting your investment
Investment Brokerage License
Applied for license in Latvia - one of the first P2P platforms in Europe to do so
COVID-19 Crisis Management
Excellent communication and maintained stable returns throughout the pandemic
Profitable Since 2018
Platform reached profitability, demonstrating strong business fundamentals
🛡️ Buyback Guarantee Protection
The first thing that will protect your investments on the Twino platform is that they offer a lot of loans which comes with a buyback guarantee. As for other platforms, it means that even if a borrower doesn't pay back a loan, after 60 days of late payments Twino will automatically buy back the loan and return the money in your account. Not all loans come with this guarantee on Twino, but we'll see later how to make sure you only invest in such loans.
📜 Investment Brokerage License
They recently announced that they applied with an investment brokerage license in Latvia, which will make the platform one of the first to have such a license in Europe. This is definitely a good step forward for the platform and definitely makes it better than other similar platforms in terms of protection of your money.
😷 COVID-19 Crisis Response
They also had a great communication with investors during the COVID-19 crisis in 2020, and handled the situation much better than other platforms as they really showed they cared about their investors. I received consistent and stable returns even during this crisis, and this is definitely a very good sign for the future.
Getting Started on Twino
Create Your Free Account
Open an account on Twino's website in less than 5 minutes, including identity verification
Deposit Funds
Transfer money using the provided IBAN. First transfer must come from a bank account in your name
Set Up Auto-Invest
Configure auto-invest with buyback guarantee, minimum 10% yield, and short-term loans for passive investing
Start Earning Returns
Let the platform automatically invest in diversified loans across 5 countries and 3 loan types
Pros & Cons
✅ Pros
- ✓Consistent returns of 10.94% over 5 years
- ✓Over €1 billion in loans funded with 20,000+ investors
- ✓Buyback guarantee available on many loans (repurchase after 60 days of late payment)
- ✓Excellent handling of COVID-19 crisis with stable returns maintained
- ✓Applied for investment brokerage license in Latvia (first in Europe)
- ✓Multiple award winner including BankingCheck award 2019
- ✓4.2 stars on Trustpilot rating
- ✓Diversification across 5 countries and 3 loan types
- ✓Profitable since 2018
- ✓Easy and fast withdrawals (money received in 1 day)
❌ Cons
- ✗Not all loans come with buyback guarantee
- ✗Actual returns (10-11%) lower than advertised 14%+
- ✗First deposit must come from bank account in your name (TransferWise not accepted)
My Personal Results
So far, I managed to get an annual return of 10.94% on my investments, calculated by the XIRR formula on the raw numbers given by the platform. This is a number that completely makes sense, as I mostly invested in loans with yields around 11%. I also received over 1,700 Euros in interests for all this period, so that's not too bad! Also note that I had no loans in default during that whole time, as I only invested in loans with buyback guarantee.
As for all platforms, I also like to know what the raw data is saying versus the information given by the platform. Let's now use that to have a look at the returns produced by my investment on Twino since I started investing. I found out that my current yield is at 10.71%, which is in line with the loans I invested in.
Overall, I definitely still get very solid results from Twino after these four years of investing on the platform. Of course, I will update this section regularly as I have more results coming from the platform.