Hi all, I tried to open an ccount with debitum since April 2026. After waiting for nearly 2 months they responded looking for a bit more information and I heard nothing since. So basic... See more
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See what reviewers are saying
Wonderfull experience! All is clear and without little letters, great platform, simple to use and to understand! I am here more than 2 years, all working, no late paying and good interests!
Company replied
Awesome and trusted broker! Easy to use and invest, amazing interest rates and loyalty bonus. I strongly recommend. An improving idea could be the chance to exit the investment before the expiration,... See more
Company replied
So far nothing but a positive experience for me. I invest on Debitum for about 2.5 years. No issues and whenever I had questions, the customer service always reacted promptly and effectively. I would... See more
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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
4.0
Great
136 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
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Debitum another bad experience
Hi all,
I tried to open an ccount with debitum since April 2026. After waiting for nearly 2 months they responded looking for a bit more information and I heard nothing since.
So basically I have been waiting since April to this present day and my case is still pending.
I have decided when debitum do respond to me I will just tell them I am no longer interested and they can close my account.
I also notice a lot of these investment platforms give the same standard response. "It is not personal" and "We are not questioning your integrity"
I am thinking of starting a small group of investors where we can share information about these platforms and update each other about them.
What do people think about this?
July 28, 2026
Unprompted review
Reply from Debitum Investments
Hello,
We are sorry that your verification has remained pending since April and that you did not receive clear updates after providing the requested information. We understand why this prolonged silence has led you to lose confidence in our service.
Additional compliance checks may sometimes require more time, but we acknowledge that our communication in your case should have been much better.
Please contact us at support@debitum.investments using your registered email address so we can review the case and, if you still wish, assist with closing your account.
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So far...
So far, so good. I have been investing in the platform since 2021. The only cons till now is that I have locked 50 euro in war affected loan.
July 24, 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thanks You for being with us!
So far nothing but a positives…
So far nothing but a positive experience for me. I invest on Debitum for about 2.5 years. No issues and whenever I had questions, the customer service always reacted promptly and effectively. I would appreciate more diversification options and a secondary market but undestand those won't be realized overnight.
July 23, 2026
Unprompted review
Reply from Debitum Investments
Hello, thank you for being with us for 2.5 years and for sharing your experience! We also appreciate your feedback on diversification and a secondary market, both are valuable suggestions as we continue improving Debitum.
Awesome and trusted broker
Awesome and trusted broker! Easy to use and invest, amazing interest rates and loyalty bonus. I strongly recommend. An improving idea could be the chance to exit the investment before the expiration, even with penalities applied
July 23, 2026
Unprompted review
Reply from Debitum Investments
Thank you for your trust and recommendation! We are working on some new exciting news :)
Great Platform
Wonderfull experience! All is clear and without little letters, great platform, simple to use and to understand! I am here more than 2 years, all working, no late paying and good interests!
July 23, 2026
Unprompted review
Reply from Debitum Investments
Thanks, Luis! Glad to hear everything runs smoothly with us! :)
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Reply from Debitum Investments
Hello,
Thank you for your positive feedback.
We are glad to hear that you have had a great experience with Debitum.
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.
July 13, 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for your positive review.
We are pleased to hear that you value the attractive interest rates, available investment opportunities, user-friendly platform, and support provided by our team.
We appreciate your trust in Debitum.
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.
July 10, 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.
Reply from Debitum Investments
Hello,
Thank you for your positive feedback.
We are glad to hear that you find Debitum a good and trustworthy investment platform.
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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!
July 9, 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for sharing your experience.
We are pleased to hear that you find Debitum clear, easy to use, and reliable. We truly appreciate your trust and support over the past year.
Good ant trust plataform
July 9, 2026
Unprompted review
Reply from Debitum Investments
Hello,
Thank you for your positive feedback.
We are glad to hear that you find Debitum a good and trustworthy investment platform.
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.
May 15, 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.
April 23, 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.
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Bonjour
Bonjour, Validation cni impossible, validation visage non valide. Contact "nous contacter" du site, page introuvable. Bref red flag!
April 21, 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.
April 15, 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.
March 11, 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.
March 11, 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.
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precision , trust , serious
always on time , always reliable Yes ,they sometimes seem to over verify things ,but nothing tragic..Simple, trustful,
February 18, 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
December 6, 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.
November 26, 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.
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