Main Characteristics

  • Up to 12% of annual return
  • Invest with BuyBack Guarantee
  • Auto-Invest function

My return on investment

My total deposit on Swaper: 200 EUR

My total withdraw on Swaper: 0 EUR

2020 – My return on investment / Monthly Average Return: + 1,13% / + 1,13%

2019 – My return on investment: + 10,26%

2019 – My Monthly Average Return: + 0,86%


Comments on the performance (Update: March 2020)

My deposits on Swaper:

  • 11 January 2019      –> 200 EUR

I’m still at the beginning of my adventure on this platform, but I’m liking it at the moment. I expect that the monthly return will be around 0,9%/1%, and it’s not bad at all. My expected return for 2019 is 11%.

How to add funds

Remember that in order to register on Swaper you must be 18 or older. You also have to be a resident of a European Economic Area (EEA) country and you need to have a bank account in a bank situated in an EEA country. As you can see from the picture below, investors can deposit on Swaper through Bank Transfer. Money will be available on the balance within 2 working days. Then you can start investing on Swaper.



(valid only if you invest more than 5k EUR)


Auto-Invest function

My advice is to set up, as soon as possibile, the Auto-Invest function, that automatically invest your money in loans that satisfies the conditions you impose at the time of setup.

Below you can see the Auto-Invest setup page. You have to choose the range of interest rate you want to invest in, the loan term and other important parameters, like the maximum amout to invest in each loan, the loans’ origin country and the total amount of investments. You can also choose between reinvesting or not your money on the balance and between investing in extended or delayed loans or not. All loans available are covered by BuyBack Guarantee, the most important protection for the investor. Auto-Invest also invest in loans from the Secondary Market. If you prefer to invest manually, you can do it.

Once you have finished to setup your Auto-Invest portfolio, save and activate it.


I suggest you to invest in many different loans (that means setting a low “Max investment in one loan”), in order to diversify your portfolio and reduce the risk. You should choose your setup according to your objectives.

General Information

The minimum investment on a single loan is 10 EUR.

The range of interest offered by Swaper is 10% to 12%.

As I said before, loans are covered by the BuyBack Guarantee protection, that is an important protection for the investor: the BuyBack guarantee means that Swaper will compensate investors both for the invested principal and accrued interest in case the borrower is more than 30 days late with short term loan repayment or 60 days late with long term loan repayment.

Swaper do not act as Tax Substitute. This means that we receive the total gross profit from our investments and we will have to pay taxes on this profit (in Italy the tax rate is 26%).

On Swaper is also available the Secondary Market, that allows investors to sell to other investors their investments before they reach their maturity.

(valid only if you invest more than 5k EUR)


P2P loans on the platform

Below I insert examples of the Loans that are available on Swaper. These are in particular my open investments at the moment. Their return is equal to 12%. In this page you can find all the most important information about every single loan: amount invested, term, your share, status, country and so on.


Finally, this is the Overview of my account. Here you can check your balance (Account Value), interest earned (Interest to Date), return XIRR and so on.


(valid only if you invest more than 5k EUR)

If you don’t understand the meaning of one or more terms, I wrote an article that explain all the terms that I use. Check it out clicking here.

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