Maclear Referral Bonuses
- Written by
- Just P2P
- •
- Updated June 17, 2026
Sign up to Maclear through the Just-P2P referral link and earn 3% cashback on your investments during your first 90 days on the platform. You also get a 15€ welcome bonus and 30€ for every 500€ invested. No promo code is required: the cashback is applied automatically through the referral link.
3% cashback 15€ welcome bonus 30€ for every 500€ invested
Maclear Referral Program
The Maclear referral program rewards new investors who register on the platform through a partner link. The principle is simple: 3% cashback calculated on the investments you make on the primary market during the 90 days following your registration.
| 🎁 Bonus | 3% cashback |
| ⌛ Duration | 90 days from registration |
| 👤 Eligibility | New investors (EEA residents) |
| 💶 Calculation base | Amounts invested on the primary market |
| 🪙 Secondary market | Excluded |
| 📱 Promo code | Not required (auto-applied via referral link) |
| 🏆 Maximum cashback | No cap |
| 💰 Minimum investment | 50€ (platform minimum) |
| 📅 Payment | As soon as the project is funded |
The 3% cashback is credited to the Maclear account as soon as a primary market project in which the investor has invested is funded, rather than at the end of the 90 days. It can then be reinvested or withdrawn to their bank account.
In addition to the referral cashback, Maclear offers a 15€ welcome bonus to new investors. It is credited automatically on the first investment, provided it is made within 7 days of registration.
| 🎁 Bonus | 15€ welcome bonus |
| ⌛ Duration | 7 days from registration |
| 👤 Eligibility | New investors |
| ✅ Condition | Invest 50€ or more |
| 📅 Payment | Credited on the first investment |
A 3rd permanent bonus
In addition to the two welcome bonuses, new investors also benefit from a third bonus, permanent and open to all investors. Maclear offers 30€ for every 500€ invested, and the amount grows with the investment: 60€ for 1,000€, 90€ for 1,500€, and so on.
| 🎁 Bonus | 30€ per 500€ invested |
| ⌛ Duration | No time limit |
| 👤 Eligibility | All investors |
| 💶 Calculation base | Amounts invested on the primary market |
| 💰 Minimum investment | 500€ in a single investment |
| ♻️ Payment | Automatically reinvested in the project |
| 🏆 Maximum | 300€ for 5,000€ invested per project |
🔒 This bonus cannot be sold on the secondary market
How to claim your Bonuses
- Click the Maclear referral link below
- Complete the registration form and go through KYC
- Deposit funds via bank transfer
- Make a first investment within 7 days
- Receive the 15€ welcome bonus
- Invest on the primary market
- Receive 3% cashback for 90 days
- Receive 30€ per 500€ invested
Bonuses automatically applied through the link below :
Important : registration must be completed from the referral link in the same session. Avoid incognito mode and ad-blockers, which can prevent the registration from being tracked.
Combining Bonuses & Offers
On Maclear, the bonuses do not exclude one another: they stack. A new investor can earn the referral cashback, the welcome bonus and the 30€ per 500€ bonus on the same investments. On top of these benefits, a loyalty program raises the rate over time, based on the amount invested.
The loyalty program rewards investors based on the size of their portfolio on the platform. It comes in four tiers, each adding an annual rate bonus once a certain amount is invested.
| Tier | Amount invested | Rate bonus |
|---|---|---|
| Beta | from 5,000€ | +1.5% |
| Beta Plus | from 15,000€ | +2% |
| Alpha | from 40,000€ | +2.5% |
| Alpha Plus | from 75,000€ | +3% |
Is Maclear referral worth it ?
Maclear stacks several bonuses, while most P2P lending platforms offer only one. Its 3% cashback is the highest among the permanent offers observed in P2P lending. It also applies to returns already above the sector average, which amplifies the final gain.
Duration is the other strong point. The 90 days of cashback give each investor time to test the platform and gradually scale up their investment while still benefiting from it. Beyond that, the 30€ per 500€ bonus and the loyalty program take over as the portfolio grows.
That said, a referral bonus should never be the sole reason to invest on a platform. Maclear remains a young platform, with a shorter track record than established players, which calls for caution. Its strengths and limitations are detailed in our in-depth Maclear review, worth reading before opening an account.
Frequently Asked Questions
What is Maclear ?
Maclear is a Swiss P2P lending platform that finances loans to European SMEs. It offers investments from 50€ on projects with returns close to 14% to 15%, secured by a provision fund and collateral. For a complete analysis, see our in-depth Maclear review.
Is Maclear safe and regulated ?
Maclear AG is a non-banking financial intermediary supervised by PolyReg, a self-regulatory organization recognized by FINMA, for anti-money laundering compliance. Investor funds are held in segregated accounts. As with any P2P investment, capital is at risk.
Does the 15€ bonus have a deadline ?
Yes. The 15€ bonus is credited to the new investor for their first investment on the primary market, provided it is at least 50€ and made within 7 days of registration. It is credited as an investment, in addition to the amount invested. Past that deadline, it is no longer granted.
Any cashback on the secondary market ?
No. The 3% cashback only applies to investments made on the primary market, that is, in projects currently being funded. Purchases made on the secondary market do not qualify.
Are the bonuses taxable ?
In most EU countries, cashback and interest earned through P2P lending are treated as taxable income. Maclear does not apply any withholding tax : each investor declares these gains according to the rules of their country of residence.
What if I withdraw early ?
The 3% cashback is calculated on the amounts invested on the primary market. Withdrawing funds before they are invested simply reduces the bonus base. The cashback already credited to the Maclear account is retained.
What if I don’t receive the bonus ?
If a bonus has not been credited as expected, contact Maclear support by email at support@maclear.ch or through the faq.maclear.ch help center. First check that registration was completed through the referral link.
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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