Swaper Recenzje 40

Auf Swaper war ich in den Jahren 2017 - 2023 investiert und habe sie auch über meinen Blog (passives-einkommen-mit-p2p.de) begleitet. In der Zeit habe ich viele Zinsen kassieren können und habe mein Investment mit ca. 13,7% Rendite abgeschlossen. Aufgrund anhaltender Intransparenz habe ich das Investment jedoch sicherheitshalber beendet.

Anders als andere Firmen, hat sich die P2P Plattform für Anleger über die Jahre kaum weiterentwickelt. Man ist bis heute nicht reguliert, man weiß sehr wenig über das Unternehmen und den EINEN großen Kreditgeber im Hintergrund. Andere Plattformen haben Swaper hier meilenweit hinter sich gelassen.

Sono iscritto a 4 piattaforme, tutte positive ma SWAPER è decisamente la migliore, interessi molto alti con regolarità. Ho provato a prelevare e in 2 giorni ho ricevuto l'ammontare richiesto. Unico consiglio, investite poco alla volta per dare il tempo all'azienda di trovare clienti che richiedono prestiti. Continuate così!

The platform works acceptably for me.
Few important points for everyone to consider before start investing in it:
1. There is some cash drag. If your initial deposit is more than 1k, it can take abt a month to invest it all.
2. The only usable investment method is the Auto invest. The loan offers are so few, that it is almost impossible to see them. They are immediately sold out.
3. There is a Secondary market, but you can never see what is there. The Auto invest module buys the loans for you from it. Think twice when setting the Auto investor. The experienced investors on the platform play smart and sell their loans few days before maturity on the Secondary market. This helps them avoid possible lengthy loan extensions (money blockage).
4. Loan Extensions - the most interesting and worrying point. Those are nowhere announced in the SWAPER website. But they exist in the Loan terms, agreed with us when buying each loan (actually we accept them when activating the Auto investor). THEY ARE UNLIMITED !!! That means every loan can be extended month after month until... forever.
If you are lucky you may succeed to sell it to some newbie with wrong Auto-invest settings.
5. Secondary market purchases cannot be disengaged, i.e. the platform decides if Auto-investor will buy for you a new or a second hand loan.
6. Presently all the offered loans are monthly, 14% interest (29.08.2023). Of course if purchased from the secondary market they can be shorter. Sometimes even for a day or two, as mentioned above.

The platform operates robot-like style. I do not recommend it for people who like a hand-on approach to their investments. But it is suitable if one likes to put some money for profits and forget about it for indefinite time.

Swaper does not offer enough loans to invest in. It took Swaper several days before investing 100 euros! I guess it will take one week to invest 200 euros. Nevertheless, you get your money back very quickly after selling your assets.

Excellente plateforme une fois qu'on l'a apprivoisée!
Des périodes avec du cash drag ( argent non investi ): il faut rester patient!
Cela fait maintenant un an que j'investis sur cette plateforme et un rendement de 13% est au rendez-vous! Les revenus sont réguliers et la courte période d'investissement( 1 à 3 mois) permet de garder une certaine liquidité du capital car les retraits sont rapidement exécutés.

The platform discriminates on the basis of national origin.

15-20% of the funds in the account are never invested, the real return is only 10%

Magnífica plataforma de inversión. Solvencia garantizada. Yo hice una inversión y por circunstancias personales he tenido que ir haciendo retiros y no ha habido ni el más mínimo problema. Cuando las circunstancias cambien volveré a depositar fondos. Aconsejable totalmente.

The site is good, they pay regularly since years, issued loans are continuously increasing (but they are not-verified numbers); but investors know nothing about its unic Loan originator, Wandoo Finance, that is the subject that rebuys insolvent loans.
If you write, they say "we will do, transparence is important, we are preparing...", but substantially you don't see anything. Is it a Ponzi scheme???

Autoinvestment läuft prima. Alles funktioniert ohne Probleme bereits über mehrere Monate. Sehr übersichtlich und funktional. Drücken wir uns die Daumen für die Zukunft, dass es weiterhin alles glattläuft.

Autoinvest is busy like a bee. It's running so far perfectly. I'm using this service for some month now without any problems. Keep fingers crossed for the future and hope there will be no issues with my investment.

No interest for delayed time. So realized profit might be very poor. Now the last euros just coming back home after withdrawn . A 14 days loan took over 8 months to buy back.

Swaper collects personal data including scans of id knowing in advance that they are not going to provide any services. So, they ask for a country of residence on the first step of registration, on the second step they ask for scans of id. A couple of hours later they send an email with: "Please note that unfortunately we will not be able to process your registration at this time, as we currently do not accept new investors from [country name]." They should've informed about this before getting to step 2 and collect the rest of the personal data.

Swaper is dies. No or few available loans. Poor functionality. Im out!

After having invested for the last 4 months on Swaper, one behaviour pattern of the auto-invest platform became clear to me: 50% of my loans moved from status current to delayed, and 10% of the current ones moved to the status extended. Up to now, very few (if any) of the loans were paying according to schedule. In other words, the loans are not performing from what I can see, and you need to wait at least 2 to 3 months to see some "reinvestment" activity going on. This clearly drawed the IRR and thus the overall performance of my portfolio down. From my point of view, if your goal is to have an alternative approach to a "saving account" that pays 12% to 14%, this easy-to-use platform could be one of my choices. However, if your goal is to achieve a high performance with performing loans, then I would search other platforms. This is the reason why I am moving 80% of my funds to another more performing platform. I am however still leaving 20% of my funds on swaper.

1. Platform Look & Usability (Dashboard, XIRR, Auto-Invest, Reports) - in general missing reporting funcionalities, should be improved - 0/1 points
2. Platform Service (Deposit, Withdrawal, Communication, Support) nothing to complain until now - 1/1 points
3. Diversification (Countries/Originators): most loans from Poland, loans from other countries are rarely added, no information about loans or originators - 0/1 points
4. Interest Rates: 12% (14% with an invest of more than 5k EUR) is fine - 1/1 points
5. Loan amount: not sufficient except for loans from Poland - 0/1 points
6. Buyback Guarantee: yes - 1/1 points
7. Loan Conditions (Grace Period, Late fees): no grace period, fine - 1/1 points
8. Secondary Market: yes - 1/1 points

Summary: 5/8 points in my personal rating - due to missing transparency and lack of diversification options currently only a platform diversification. In case you are willing to invest 5.000+ EUR you can expect a high interest rate above average compared to other platforms.

sehr gute P2P Plattform mit guten Renditen. Nachteil: Meistens zu wenig Kredite zum Investieren verfügbar

Unlike other P2P platforms I selected for trial investments, after several days auto-invest hasn't picked a single loan.Furthermore. manually there isn't a single loan available.

Conclusion, all money from first deposit is just sitting there, zero invested.

I'm obviously not happy with it.

So, if situation persists I definitely can't recommend Swaper

Really a great interface and comfortable way of investing. Not yet sure how the long-term performance will be, but 12% interest and a buy-back with an auto-invest ratio of >90% is super.

Everything so far has been great! Have been using it for a few months and have to say, it is very convinient to know that your loans have buyback guarantee and a known steady interest. Very good for someone to just put their money to grow long-term, in my opinion.
However, I am not giving a full 5-star raiting, as I have noticed that there are times whereby my money is just "sitting" on my investor account, as there are no loans available. I am using auto-invest and my lowest interest rate is even below their promised 12%, so it can't be that my conditions are somehow off (I have chosen every loan type, country, etc, etc). The only thing might be that I am not interested in very long term loans, so maybe they have less of them?
In conclusion, I am still very happy with the results and the user-friendliness of the site! Recommended!

The new application is just great. I really enjoy the design and the ability to receive push notifications on swaper account transactions