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Chris Purin
18 Apr 2026
Strong Loan Originator with great yield
PROFILE
VERIFIED
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Twino
Veteran Latvian loan-originator P2P with €1 minimum, since 2015.
Latvia
since 2015
KYC
auto-invest
Section 01 · Overview
About the platform.
Twino is one of the longest-running European P2P platforms, founded in 2015 in Riga and licensed as an Investment Service Provider by the Bank of Latvia. It has financed over €1.14B in consumer loans across multiple European originators, with auto-invest, secondary market and a mobile app — though investor sentiment has polarised since the platform introduced inactivity fees and tightened payout policies.
Section 02 · Verdict
Strengths & cautions.
Pros
- Bank of Latvia ISP-licensed
- 10-year operating history
- €1 minimum
- Mobile app with auto-invest
- Secondary market available
Cons
- €10/month inactivity fees not clearly disclosed at signup
- Login and account-recovery issues reported with slow support
- Originator base concentrated in Twino Group entities
Section 03 · Voices
12 of 101
Investor reviews.
Community
0 approved
Reviews from our users
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28 Mar 2026
SCAM DON'T BUY ANYTHING I THIS SITE
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Arminas Li
28 Feb 2026
So I bought a lot of Vietnamese investments in the secondary market. They were all marked (and still are!) as active. Even though the Vietnamese company is dead and insolvent. No information can be found on the website. Their communication with investors is through emails that you may or may not even receive. But who cares?They don't. Don't recommend using Twino to anyone. Everything they touch turns to shit.
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Thomas Marteijn
27 Feb 2026
these guys do not understand the concept of client centricity. No solution for Russian Loans Unable to close my account because of Russian loans Charging me an inactivity fee, although i want to close my account Oh and ridiculous requirements for a Password, so you have to write it down somewhere and then lose it. but the worst of all: if any contact you have with their CS, the answer is: sorry we cannot help you.
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Ficjer Bsnsj
12 Feb 2026
They don‘t pay my money out and then I get a fee for inactivity. Can‘t recommend this Website.
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Rūdolfs Magone ruudzha
9 Feb 2026
I have been client for multiple years. at first i was doing small investments but in recent years i have expanded it. I really trust them as a client and will continue to invest.
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Olaf Brandt
3 Feb 2026
Freundlich, geduldig und absolut professioneller Support! Vielen Dank 😊
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Dan Clases
5 Jan 2026
Suddenly 10 euro fee per month (out of the blue) if there is inactivity in the account. So not really passive income, but rather active.
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Christian
3 Jan 2026
Kompletter Scam. Es gibt eine Inaktivitätsgebühr - die auch nachträglich auf bestehende Kunden angewendet wird. Diese gilt für Guthaben, selbst wenn sie so gering sind, dass sie gar nicht ausbezahlt werden können. Im Grunde wird man gezwungen das Geld immer weiter zu veranlagen.
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kat icey
10 Nov 2025
$253
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JM VC
5 Nov 2025
Ya llevo varios años invirtiendo en Twino, y todo perfecto. Problemas que he tenido (como cambio de banco o correo electrónico), me lo han solucionado fácilmente y sin rodeos. Mientras sigan así, me tienen como cliente muchos años más.
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Erik Strömberg
1 Nov 2025
They have introduced a scammy inactivity fee with bogus justification. I would stay far away from this company as such a move reeks of financial trouble.