Hive5 Loyalty Program
- Written by
- Just P2P
- •
- Updated October 18, 2026
Program Overview
The Hive5 Loyalty Program rewards the platform’s most committed investors with extra interest on their investments. Designed to attract medium and large portfolios, it grants bonuses that scale with the size of your active portfolio, a structure that encourages investors to grow their holdings over time.
To benefit from the program, investors must meet two conditions: have been a Hive5 client for more than 90 days, and hold an active portfolio above 5,000 €. Enrolment in the loyalty program is automatic : once these conditions are met, the bonus is applied without any action required.
The 5 tiers: Navigator, Voyager, Pioneer, Premier and Elite
Hive5’s loyalty program is split into five tiers, each named after a stage of exploration or achievement: Navigator, Voyager, Pioneer, Premier and Elite. Bonuses range from +0.5% to +1.5%, increasing with the size of your active portfolio.
- Navigator : +0.5% between 5,000 € and 10,000 €
- Voyager : +0.75% between 10,000 € and 25,000 €
- Pioneer : +1% between 25,000 € and 50,000 €
- Premier : +1.25% between 50,000 € and 100,000 €
- Elite : +1.5% above 100,000 €
How the bonus is calculated and applied
Each month on the 5th, Hive5 recalculates your active portfolio, defined as your invested capital plus any non-invested balance held in your account. Based on this total, the bonus is applied, adjusted, or removed automatically, with no action required on your part.
A key point rarely highlighted: once a threshold is reached, the bonus only kicks in at the next recalculation on the 5th, and only on new investments. Existing positions keep their original rate, so investors need to reinvest to fully benefit from a higher tier. Hive5 has acknowledged this as an area for improvement.
But it is important to keep in mind one limitation : the loyalty bonus does not stack with other promotional campaigns or special offers. If you take part in such a campaign, the highest bonus available is applied. Once the campaign ends, you automatically return to the standard loyalty rules.
Hive5 vs Other P2P Platforms
The Hive5 loyalty program stands out from competitors thanks to its low entry threshold of 5,000 € and its broad range of tiers: investors start with +0.5% from 5,000 € and can climb all the way to a top-tier +1.5% bonus from 100,000 €, giving long-term investors a reason to keep growing their portfolio.
Hive5 offers the best loyalty bonus on the market for portfolios between 5,000 € and 24,999 €. From 25,000 €, Swaper takes the lead with a flat +2% bonus, but Hive5 keeps progressing where most competitors plateau at +1%, reaching +1.25% at 50,000 € and +1.5% at 100,000 €.
Is the Hive5 Loyalty Program Worth It ?
For investors with portfolios of 5,000 € and above, the Hive5 loyalty program is one of the most generous on the market. The boost applies automatically to new investments, providing a meaningful uplift on small, medium and large portfolios alike.
Around 10% of active investors currently take advantage of the program. For anyone planning to grow their portfolio on Hive5, factoring this bonus into your strategy is a simple way to compound returns over time, as long as repayments are reinvested to lock in the higher rate.
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About the Author
Silvère is an economist and IT engineer with numerous years of experience in business management, FinTech investment and digital marketing. He invests mainly in crowdlending especially P2P lending, P2B lending, and real estate crowdfunding.
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