Hive5 Loyalty Program Explained
- Written by
- Just P2P
- •
- Updated June 5, 2026
What is the Hive5 Loyalty Program ?
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 3 tiers: Navigator, Voyager and Pioneer
Hive5’s loyalty program is split into three tiers, each named after a stage of exploration: Navigator, Voyager, and Pioneer. Bonuses range from +0.5% to +1%, increasing with the size of your active portfolio.
- Navigator : +0.5% between 5,000 € and 10,000 €
- Voyager : +0.75% between 10,000 € and 20,000 €
- Pioneer : +1% above 20,000 €
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 crossed, the bonus applies to your entire active portfolio, not only to new investments. The higher tier instantly boosts the return on every position you hold on Hive5.
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 rapid progression: investors reach the maximum +1% bonus from 20,000 €, well before most other major P2P platforms.
Hive5 offers the best loyalty bonus on the market for portfolios between 5,000 € and 24,999 €. Above 25,000 €, Swaper takes the lead with a flat +2% bonus, while at 50,000 € and above, several competitors catch up to Hive5’s +1% ceiling.
Is the Hive5 Loyalty Program Worth It ?
For investors with portfolios between 5,000 € and 24,999 €, the Hive5 loyalty program is one of the most generous on the market. The +0.5% to +1% boost applies automatically to every position you hold, providing a meaningful uplift on medium-sized portfolios.
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, with no extra effort required and, more importantly, across your entire portfolio.
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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.
Article sources
1. Loyalty program rules
2. Three-tier program launch
3. Building investor loyalty
4. Common investor questions
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