I've been investing on Debitum since 2020. Mostly good experiences myself, good returns, great loyalty program. But you must check yourself, do your due diligence, there has been some controversy arou... Toon meer
Bedrijf heeft geantwoord
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Ich habe im April über einen Link von Northern Finance ein Konto bei Debitum eröffnet, da diese Plattform im Ranking sehr gut abgeschnitten hat. Mit der ersten Überweisung und Anlage von 1.000€ gin... Toon meer
Bedrijf heeft geantwoord
Terrible experience just trying to open an account. If you are an investor, they make your life extremely difficult, asking for document after document regarding your income. Even if you have money av... Toon meer
Bedrijf heeft geantwoord
Llevo desde Septiembre con ellos y muy contento con su puntualidad en los abonos de intereses y la devolución de los capitales invertidos. Han mejorado la seguridad para entrar en la web y ahora s... 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
3,4
Gemiddeld
113 reviews
Heeft 92% van zijn negatieve reviews beantwoord
Reageert doorgaans pas na meer dan 1 maand
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A pretty good business loan platform with some controversy...
I've been investing on Debitum since 2020. Mostly good experiences myself, good returns, great loyalty program. But you must check yourself, do your due diligence, there has been some controversy around loan originators, concentration and refinancing risk, etc. For now, I continue investing. After all, it's one of the few MiFID II platforms, regulated by Latvijas Banka.
15 mei 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for sharing your balanced and thoughtful review.
We are glad to hear that you have had mostly positive experiences with Debitum since 2020 and that you value the returns, loyalty program, and our status as a regulated MiFID II investment platform supervised by Latvijas Banka.
You are absolutely right that investors should always perform their own due diligence before investing. At Debitum, we aim to provide clear information about each investment opportunity, loan originator, risks, and available security mechanisms so investors can make informed decisions.
We also appreciate your point regarding concentration and refinancing risks. These are important considerations in any investment activity, and we continuously work on improving transparency, diversification opportunities, and risk-related information on the platform.
Thank you for your continued trust and for being part of Debitum.
Dringende Warnung! Finger weg von dieser Plattform!
Ich habe im April über einen Link von Northern Finance ein Konto bei Debitum eröffnet, da diese Plattform im Ranking sehr gut abgeschnitten hat. Mit der ersten Überweisung und Anlage von 1.000€ ging alles reibungslos. Als dann weitere 1.000€ überwiesen habe, erfolgte keine Gutschrift. Auf Nachfrage sollte meine Adresse verifizieren. Dies habe ich bereits bei Kontoeröffnung mit meinem Personalausweis und Eier zugegeben geschwärzten Telekomrechnung getan!
Seit dem 30.04.26 verweigert Debitum die Gutschrift sowie Rücküberweisung auf mein Konto!
Ich habe mich bereits bei Northern Finance und der Verbraucherzentrale beschwert. Nach Ablauf der dreiwöchigen Frist werde ich mich auch bei dem Europäischen Verbraucherzentrum Deutschland beschweren! Weiterhin werde ich das unseriöse Verhalten an die Medien weitergeben.
Ich kann nur vor dieser Plattform abraten und bin gespannt, ob ich mein Geld je wiedersehe!
30 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are aware of this situation and are currently waiting for your response to our emails regarding this case. Additional verification documents were requested because further deposits exceeded the applicable verification threshold.
As a regulated and compliant investment platform, we are required to request additional verification documents once certain investment thresholds are reached. These procedures are part of our regulatory obligations and apply equally to all investors.
Please continue communication with our support and compliance team and let us know your final decision regarding the requested verification documents so we can assist you further.
Buena plataforma. Fiable
Buena plataforma. Muy fiable. Buena rentabilidad. Estoy contento con el rendimiento y funcionamiento de Debitum. Totalmente recomendable. Llevo invirtiendo desde agosto de 2025.
23 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for your feedback and for investing with us since August 2025.
We are glad to hear that you find the platform reliable and are satisfied with both the returns and overall functionality. Your recommendation and continued trust are highly appreciated.
Ich bin seit einiger Zeit in Debitum…
Ich bin seit einiger Zeit in Debitum investiert und kann nur betonen, wie gut diese Plattform funktioniert und alle meine Investitionen pünktlich zurückzahlt. Ich bin begeistert von der Rendite und der Kommunikation.
23 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for your kind words and for being with us on your investment journey.
We are glad to hear that your experience on the platform has been smooth and that you are satisfied with both the returns and the communication. Ensuring timely repayments and transparent updates is a key priority for us.
We truly appreciate your trust and continued support.
So far so good (2026)
Hello, i have been using it since summer 2025, so far so good, i receive every day/month on the time predicted. I didnt actually tried to make an withdraw tho because i always re-invest my gains, although i would prefer another deposit method to avoid international transfer taxes since i´m not from Latvian.
23 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are happy that you are satisfied with Debitum!
At the moment, we have two options: a manual transfer and internet banking. We are planning to have card payments in the future.
Bonjour
Bonjour, Validation cni impossible, validation visage non valide. Contact "nous contacter" du site, page introuvable. Bref red flag!
21 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are sorry that you had a bad experience with identity verification.
You can contact support by sending a message to support@debitum.investments, and we will be happy to help.
Difficulties with openning an account
Terrible experience just trying to open an account. If you are an investor, they make your life extremely difficult, asking for document after document regarding your income. Even if you have money available in your bank account and want to invest, they still don’t accept it. Not worth the time or energy. I was never able to get my account verified, even though I have accounts with other reputable platforms, so I requested the deletion of my account. Meanwhile they answered to my e-mail explaining that document was only to improve limits, I will see how it goes.
15 april 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We are sorry to hear about your experience and that the onboarding process felt frustrating.
Please understand that as a regulated investment platform supervised by the Bank of Latvia, we are legally required to carry out strict identity, KYC (Know Your Customer), and Source of Funds checks. These are not optional steps, but mandatory regulatory requirements designed to protect both investors and the platform from fraud, money laundering, and financial crime.
In some cases, additional documentation may be requested, particularly when increasing investment limits or verifying the origin of funds. While this can feel excessive, these checks are applied consistently to all users and are essential to ensure a secure and compliant investment environment.
We understand that this process may differ from other platforms, but it reflects the higher regulatory standards we operate under. That said, your feedback is very important, and we are continuously working to make the verification process as smooth and transparent as possible.
If you are open to it, we would appreciate the opportunity to review your case individually and provide direct assistance.
Mi dinero trabaja
Llevo desde Septiembre con ellos y muy contento con su puntualidad en los abonos de intereses y la devolución de los capitales invertidos.
Han mejorado la seguridad para entrar en la web y ahora siempre hay q pasar la doble autenticación, algo fundamental para proteger tu cuenta y que me gusta.
Aunque hay poca variedad de empresas ofreciendo prestamos siempre hay disponibilidad y variedad temporal.
Que siga así!!!
28 maart 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hola,
Gracias por sus comentarios detallados y por estar con Debitum desde septiembre.
Nos alegra saber que la puntualidad en el pago de intereses y la devolución del capital invertido ha cumplido con sus expectativas. La fiabilidad en los pagos es una parte fundamental de la plataforma, por lo que es importante para nosotros que esto se refleje en su experiencia.
También es muy positivo ver que valora las mejoras en seguridad. La autenticación de dos factores es un elemento clave para proteger las cuentas de los inversores, y seguimos trabajando continuamente para reforzar la seguridad de la plataforma.
Sus comentarios sobre la disponibilidad de activos y la variedad de plazos también son muy valiosos. Estamos trabajando activamente en ampliar nuestra red de socios, manteniendo altos estándares de calidad, para garantizar un flujo constante de oportunidades de inversión.
Gracias nuevamente por su confianza y por compartir su experiencia.
ENG
Hello,
Thank you for your detailed feedback and for being with Debitum since September.
We are glad to hear that the punctuality of interest payments and principal repayments has met your expectations. Reliability in payments is a core part of the platform, so it is important to us that this is reflected in your experience.
It is also great to see your appreciation for the improved security measures. Two-factor authentication is a key element in protecting investor accounts, and we continuously work to strengthen platform security.
Your comments about asset availability and loan term variety are equally valuable. We are actively working on expanding our partner network while maintaining strict quality standards to ensure a consistent flow of investment opportunities.
Thank you again for your trust and for sharing your experience.
So far
So far, everything has gone just fine: interest, tax, verifying, solutions to problems. I invest via Debitum Investments because it has one of the highest interest on loans, a community forum where also workers of Debitum take part, and a working customer support be it via email or web conferencing.
11 maart 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for sharing your experience. We’re glad to hear that you’ve found Debitum Investments’ interest rates, community forum, and customer support helpful.
Our team works hard to provide a smooth and transparent investment experience, and it’s rewarding to know that it’s making a difference for our investors.
Contento
Llevo varios meses y de momento ningún problema. Todo correcto y funcionando.
1 juni 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hola,
Gracias por tu comentario y por compartir tu experiencia con Debitum.
Nos alegra saber que todo está funcionando correctamente y que hasta ahora no has tenido ningún problema. ¡Esperamos que sigas teniendo una experiencia positiva en la plataforma!
ENG
Hello,
Thank you for your review and for sharing your experience with Debitum. We are glad to hear that everything has been working well for you so far and that you have not encountered any issues.
We hope your experience on the platform continues to be positive.
Plataforma confiable
Plataforma confiable. Cumple lo que promete. Seguiré invirtiendo.
11 maart 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hola,
Gracias por su reseña y por confiar en Debitum.
Nos complace saber que la plataforma cumple con sus expectativas y apreciamos su continua confianza al invertir con nosotros.
Hello,
Thank you for your review and for your trust in Debitum.
We are pleased to hear that the platform meets your expectations and appreciate your continued confidence in investing with us.
Good investment assets
Good investment assets - forests, lands, which stands out compared to consumer loan p2p platforms.
11 maart 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for your review! We’re glad you appreciate the unique investment opportunities on Debitum Investments.
Our platform focuses on asset-backed securities and notes, including forests and land, offering investors diversified options that go beyond typical consumer loan P2P platforms.
precision , trust , serious
always on time , always reliable Yes ,they sometimes seem to over verify things ,but nothing tragic..Simple, trustful,
18 februari 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Dear,
Glad to hear about Your smooth experience. happy to have You!
Por diversificar decidi invertir en…
Por diversificar decidi invertir en Debitum , llevo dias que la pagina no carga , he probado en distintos dispositivos. No sé que sucede , pero no me transmite buenas sensaciones que haya estos problemas y ni hayan avisado. Es un error que por lo visto ya muchos usuarios han notificado . YA LO SABEN, pero no actuan. Solicitan info , con la excusa para poder bloquear esta reseña
17 februari 2026
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello!
Thank you for your feedback. We’re sorry to hear that you experienced difficulty accessing our website.
We do not have any recorded platform-wide issues during the period mentioned. Occasionally, we carry out scheduled maintenance work to improve performance and security. In such cases, we always inform our clients in advance via email and through our official Telegram channel.
If you are still experiencing access problems, please contact us at support@debitum.investments
with details (time, device, browser, screenshots if possible), and our technical team will be happy to assist you promptly.
En mi top
Una de las plataformas que me da mas seguridad.
Encantado con su rentabilidad y seguridad.
A dia de hoy todo perfecto..
17 december 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hola,
Muchas gracias por tu reseña y por confiar en nuestra plataforma.
Nos alegra saber que estás satisfecho con la rentabilidad y la seguridad que ofrecemos. Esperamos seguir cumpliendo tus expectativas en el futuro.
Hello,
Thank you very much for your review and for trusting our platform.
We are glad to know that you are satisfied with the profitability and security we offer. We hope to continue meeting your expectations in the future.
Plataforma de inversión sólida y con…
Plataforma de inversión sólida y con garantía de recompra.
Como inversor en diferentes áreas, Debitum es una plataforma que me transmite mucho seguridad y confianza. Llevo en ella ya casi 3 años y hasta el momento ningún problema (no entiendo las malas reseñas).
Obtengo un rendimiento medio del 12%.
Se trata de una plataforma de inversión que tienes que tener si te dedicas a las inversiones.
Si dedicas parte de tu cartera, Debitum tiene que estar en ella " 3KFRH" con hasta 20e extra ahora.
Actualmente tiene una campaña de cashback el alguno de sus originadores.
1 december 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
Thank you for sharing your experience and for being with Debitum Investments for nearly 3 years.
We truly appreciate your long-term trust and your detailed feedback on returns, platform stability, and overall experience. It is great to hear that the buyback structure, consistency of payments, and recent cashback campaigns are delivering value as expected.
We also value your perspective on diversification and portfolio allocation—this is exactly how the platform is designed to be used.
If you ever have suggestions or ideas on how we can improve further, we are always open to feedback.
Konnte mich nicht einmal verifizieren
Bin bei quasi allen P2P Plattformen, Brokern und Exchanges vertreten, aber hier ging nicht einmal das Registrieren.Ztotz korrekter Antworten wurden meine Qualifizierungsfragen immer als abgelehnt angezeigt, egal was man eingibt. Es wird quasi alles abgefragt, was persönliches Betrifft. Nicht einmal für den Hauskauf brauchte ich so viel anzugeben. Sogar Authentificator ist notwendig, also für Apple Nutzer eh nicht möglich.Am Ende wollen die wahrscheinlich noch die Steuernummer meiner Oma haben denke ich. Für ein lettisches Unternehmen ist das überhaupt nicht notwendig, dort gibt es fast gar keine Auflagen. Mich lässt der Datenklau bezweifeln, ob es nicht im Identitätsdiebstahl geht und ob die angebliche Ausfallquote von 0 überhaupt nachgewiesen werden kann. Über das Unternehmen finde nichts. Dann lieber Income oder Mintos...
12 december 2025
Review zonder uitnodiging
Antwoord van Debitum Investments
Hello,
We’re sorry to hear your registration experience was frustrating. Debitum is a licensed investment platform regulated by the Bank of Latvia, so we are legally required to run KYC/AML checks and an investor appropriateness (qualification) questionnaire under EU rules—this is why we ask for personal and financial background information.
If your qualification answers were rejected “no matter what,” it may indicate a mismatch between your profile details and verification data—our support team can check the exact reason and help you complete onboarding (support@debitum.investments).
Two-factor authentication is not “impossible” on iPhone: you can scan the QR code and use apps like **Google Authenticator, Microsoft Authenticator, or Authy** on iOS. Also, 2FA is **optional** on Debitum (you can continue without enabling it).
Regarding data safety: information is handled under GDPR, stored securely, and access is restricted to authorized personnel.
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.
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