Ekassa review shows that Ekassa is an online investment platform, and part of an international finance group which has been operating since 2012. Ekassa focus on investing in P2P consumer loans – one of the fastest-growing areas of finance in Europe. Their new online technologies allow them to offer their clients higher returns compared to other investment classes such as saving accounts.

Ekassa identified Poland as the most attractive for consumer loans. These are issued by their trusted partners and are available for investment at Ekassa platform. Their main objective is to help their clients make high and guaranteed profits from investments in P2P consumer loans.

They’ve invested a lot of time looking at what’s out there in the market and developing the technology for their products and platform, so now can offer you the most up-to-date online investment service with the most attractive conditions on a secure and reliable technical platform.

Ekassa offer is a combination of:

– Market-leading potential returns up to 14%
– Diversified investments from many different loan providers and profiles
– Guaranteed returns via Buyback option

Key facts about Ekassa

Estimated annual returns: Up to 14%

Launched: 2018

Autoinvest: Yes

Loan security: Yes

Provision fund: No

Registered investors: 1000+ in March 2019

Buyback guarantee: Yes

Minimal investment: €1

Time to become invested: Varies on loans offered

Time needed managing: Low

Regulation: No

Country of operation: Estonia

Borrowers verification: By the loan originators

Accepted currencies: EUR, PLN

Accepts investors from: Europe

Ekassa Review: Pros and Cons


– Backed by the international financial group
– Auto invest tool
– Large investments book
– 100% BuyBack guarantee


– Not regulated
– Young P2P platform
– No information about the management team


Mintos, Lenndy, PeerBerry, Grupeer

Ekassa Review: what I have experienced so far

Ekassa is an online investment platform which offers you the ability to invest in different types of P2P consumer loan (mostly in Poland). It helps for individuals to get short term loans up to 3000 eur and investors earn returns.

Firstly, some words about opening account at Ekassa. For me it was easy process, all I needed was to click “Register” and provide personal data. And that’s it. Later you have to upload your ID card copy and utility bill to Ekassa dashboard and wait for confirmation. Add funds to Ekassa account you can make by making a wire transfer. You can add any amount of money you want, a minimum of 10 euros. The next step is to choose the investment product in accordance with the risk and return that suits you best. Ekassa.eu has two main investment products, let’s look at the difference in order to find the best option for you. Both products are preinstalled with the autoinvest function – funds invested in the product are constantly reinvested and bring profit throughout the entire placement period. It means you do not have to worry if you will not forget to reinvest the money. It will be done automatically by the Ekassa tool. Autoinvest selects loans to maximise diversification of your investment portfolio, from 1 to 20 EUR in any given loan. You can choose from 2 auto invest products. The first product with an annual guaranteed interest rate of up to 7.4% and 100% BuyBack on the body of the investment if the borrower is delayed in repayment of the loan for more than 60 days. The second product is also with 100% BuyBack, but without interest rate guarantee, estimated yield from 9% to 11% per annum in euros. However, I still do not understand why to choose lower interest rates if both products are with BuyBack guarantee.
Besides auto investments you can pick the loans on your own. The interest rates varies from 4 till 14% per annum. All loans are in Poland and if you believe that you can earn higher interest rates than auto invest tool, then you should pick the loans by yourself.

All in all, Ekassa is a young P2P lending platform that has been created in 2018. It offers decent returns up to 14% per annum. However, the competition in the market is tough. Investors are looking for P2P platforms with bigger track record and more loans funded. So, it might be hard for them to attract new investors. Ekassa operates in Estonia where P2P market is not regulated. Overall, let’s keep an eye on the platform and see how it will progress in the future.

Ekassa review written by Tomas Medeckis