Experience 100%! All is clear, great plataform, simple to use, to understand! I am here more than 1 year, all working, no late paying and good interests!
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Great platform that you can trust based on their proven records and history including my 1 year experience with Debitum which is excelent so far.
Company replied
I've been investing on Debitum since 2020. Mostly good experiences myself, good returns, great loyalty program. But you must check yourself, do your due diligence, there has been some controversy arou... See more
Company replied
website shows repayments for first 3 months (started investing end of 2021, up until start of 2022). Since then, everything froze up, nothing is repaid since, can't access my money, am afraid it's... See more
Company replied
Company details
Written by the company
An online investment platform that allows investing in various business loans around Europe.
Contact info
Dzirnavu iela 67, LV-1011, Riga, Latvia
- +37120005452
- support@debitum.investments
- debitum.investments
3.9
Great
126 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 91% of negative reviews
Typically replies within 1 month
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Attractive interest rates, sufficient investment opportunities
Debitum offers attractive interest rates and sufficient investment opportunities (no cash drag). The application is user friendly and they have an adequate support team for any questions.
13 July 2026
Unprompted review
A trusted platform
Great platform that you can trust based on their proven records and history including my 1 year experience with Debitum which is excelent so far.
10 July 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for sharing your experience. We are pleased to hear that your first year with Debitum has been excellent and that you value our track record, transparency, and reliability. We truly appreciate your trust and support.
Experience 100%
Experience 100%! All is clear, great plataform, simple to use, to understand! I am here more than 1 year, all working, no late paying and good interests!
9 July 2026
Unprompted review
Good ant trust plataform
9 July 2026
Unprompted review
A pretty good business loan platform with some controversy...
I've been investing on Debitum since 2020. Mostly good experiences myself, good returns, great loyalty program. But you must check yourself, do your due diligence, there has been some controversy around loan originators, concentration and refinancing risk, etc. For now, I continue investing. After all, it's one of the few MiFID II platforms, regulated by Latvijas Banka.
15 May 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for sharing your balanced and thoughtful review.
We are glad to hear that you have had mostly positive experiences with Debitum since 2020 and that you value the returns, loyalty program, and our status as a regulated MiFID II investment platform supervised by Latvijas Banka.
You are absolutely right that investors should always perform their own due diligence before investing. At Debitum, we aim to provide clear information about each investment opportunity, loan originator, risks, and available security mechanisms so investors can make informed decisions.
We also appreciate your point regarding concentration and refinancing risks. These are important considerations in any investment activity, and we continuously work on improving transparency, diversification opportunities, and risk-related information on the platform.
Thank you for your continued trust and for being part of Debitum.
So far so good (2026)
Hello, i have been using it since summer 2025, so far so good, i receive every day/month on the time predicted. I didnt actually tried to make an withdraw tho because i always re-invest my gains, although i would prefer another deposit method to avoid international transfer taxes since i´m not from Latvian.
23 April 2026
Unprompted review
Reply from Debitum Investments
Hello,
We are happy that you are satisfied with Debitum!
At the moment, we have two options: a manual transfer and internet banking. We are planning to have card payments in the future.
Bonjour
Bonjour, Validation cni impossible, validation visage non valide. Contact "nous contacter" du site, page introuvable. Bref red flag!
21 April 2026
Unprompted review
Reply from Debitum Investments
Hello,
We are sorry that you had a bad experience with identity verification.
You can contact support by sending a message to support@debitum.investments, and we will be happy to help.
Difficulties with openning an account
Terrible experience just trying to open an account. If you are an investor, they make your life extremely difficult, asking for document after document regarding your income. Even if you have money available in your bank account and want to invest, they still don’t accept it. Not worth the time or energy. I was never able to get my account verified, even though I have accounts with other reputable platforms, so I requested the deletion of my account. Meanwhile they answered to my e-mail explaining that document was only to improve limits, I will see how it goes.
15 April 2026
Unprompted review
Reply from Debitum Investments
Hello,
We are sorry to hear about your experience and that the onboarding process felt frustrating.
Please understand that as a regulated investment platform supervised by the Bank of Latvia, we are legally required to carry out strict identity, KYC (Know Your Customer), and Source of Funds checks. These are not optional steps, but mandatory regulatory requirements designed to protect both investors and the platform from fraud, money laundering, and financial crime.
In some cases, additional documentation may be requested, particularly when increasing investment limits or verifying the origin of funds. While this can feel excessive, these checks are applied consistently to all users and are essential to ensure a secure and compliant investment environment.
We understand that this process may differ from other platforms, but it reflects the higher regulatory standards we operate under. That said, your feedback is very important, and we are continuously working to make the verification process as smooth and transparent as possible.
If you are open to it, we would appreciate the opportunity to review your case individually and provide direct assistance.
So far
So far, everything has gone just fine: interest, tax, verifying, solutions to problems. I invest via Debitum Investments because it has one of the highest interest on loans, a community forum where also workers of Debitum take part, and a working customer support be it via email or web conferencing.
11 March 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for sharing your experience. We’re glad to hear that you’ve found Debitum Investments’ interest rates, community forum, and customer support helpful.
Our team works hard to provide a smooth and transparent investment experience, and it’s rewarding to know that it’s making a difference for our investors.
Good investment assets
Good investment assets - forests, lands, which stands out compared to consumer loan p2p platforms.
11 March 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for your review! We’re glad you appreciate the unique investment opportunities on Debitum Investments.
Our platform focuses on asset-backed securities and notes, including forests and land, offering investors diversified options that go beyond typical consumer loan P2P platforms.
precision , trust , serious
always on time , always reliable Yes ,they sometimes seem to over verify things ,but nothing tragic..Simple, trustful,
18 February 2026
Unprompted review
Reply from Debitum Investments
Dear,
Glad to hear about Your smooth experience. happy to have You!
Good reliable plattform with all…
Good reliable plattform with all required functions you excpect from a P2P plattform
6 December 2025
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for your feedback! We’re glad you find Debitum Investments reliable and appreciate that it provides all the key functions you expect from a P2P investment platform.
We strive to make investing simple, transparent, and rewarding for our investors.
Unreliable and rude people. Not worth my money anymore.
I advise my wife to open an account with them. I had one myself for many years. She invested EUR 5k. I invested 11k. They have a refer a friend program. For each referal they pay you a small amount of EUR 20,- i believe. The do not wanna pay because it's my wife and not a friend...
My wife and I have separate bankaccounts and Investments. Debitum says I misled them and want to harvest a bonus. I feel really upset by this and thinking of leaving the platform. There are more friendly and genuine platforms. This statement of them puts me with my feet on the ground.
26 November 2025
Unprompted review
Reply from Debitum Investments
Hello,
We are genuinely sorry to hear that this experience has upset you, especially given your long history with us.
We want to provide clarity on why this decision was made, as it is a matter of policy, not a personal judgment against you.
1. As a regulated investment platform, our Referral Program operates under strict Terms & Conditions. These terms explicitly exclude referrals between immediate family members or individuals residing in the same household.
This is a standard compliance measure used across the financial industry to ensure the program is used for genuine external growth and to prevent potential conflicts of interest. You can view these specific rules in the "Loyalty Program" page terms and conditions.
2. Regarding the "Harvesting" Comment, We sincerely apologize if the language used regarding "bonus harvesting" felt like a personal accusation. In compliance terms, this is simply the technical classification for a referral that does not meet eligibility criteria. It was not intended to question your integrity or the legitimacy of your wife's investment.
Excellent
Invested here since several years. Smoothly running plattform. Never any problems. I was about the give up my investments here years ago but with CEO change new wind came in and now I am happy that I have even doubled my investment on debitum.
The interest range is quite big from lower interest rates like 8% to quite high interest rates like 16%. Cashbacks can be really received here on the plattform and make investing even more attractive. The track record so far is brilliant. Thank you for such smooth operation!
⭐⭐⭐⭐⭐
Please keep it up this way!
10 October 2025
Unprompted review
Reply from Debitum Investments
Hello,
We can confirm that the platform is fully operational. We recently released updates to improve the investor experience.
If you are having trouble logging in, please contact our Client Support team directly, and we will help you.
Very poor customer service
Very poor customer service — I’ve been waiting for the KYC verification for 4 weeks.
14 August 2025
Unprompted review
Reply from Debitum Investments
Hello,
We are sorry that you are experiencing delays with KYC.
The onboarding process is different for each investor, depending on the information provided, and it is a company or personal account.
Our compliance team is doing everything they can to check new registrations as soon as they can.
Our customer support is always ready to answer your questions.
Excellent
Excellent. High returns on time. Platforms functions very well.
14 July 2025
Unprompted review
A reliable regulated company
I don't recognize the issues in the many recent one-star reviews. I suspect it's a coordinated lender or Disinformation of debitum. I have invested since 2021 and the only issue I have encountered is delayed loans due to the war in Ukraine.
I find it safe to invest in Debitum as it is regulated under MiFID II — one of the most stringent regulatory frameworks in the EU.
3 July 2025
Unprompted review
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