Ekassa : extra-simple and profitable investments

Ekassa’s overview

Ekassa features two very simple strategies for durations ranging from 1 to 6 months. One offers guaranteed returns between 7% and 7.4%, while the second doesn’t have a guaranteed performance, but is expected to yield at least between 7% and 9% depending on the duration.

My opinion on Ekassa

Until Mintos launched their Invest & Access product, Ekassa was my favorite platform for painless investing in peer-to-peer loans. However, their lack of transparency incites me to recommend Mintos as a primary choice.

Detailed ratings

Actual performance

The interest rates are lower than for more complex offers.

Loans liquidity

Liquidity doesn’t seem to be a concern for now.


Thanks to the very easy straightforward investing process, there’s no need for much reporting.

Transparency & reliability

Little information is provided regarding the platform, their team or the loan originators.

Website ergonomics

The website is straightforward to use.

Ekassa’s pros & cons


  • A very simple offer
  • Competitive rates for both strategies


  • Slightly high early withdrawal fees
  • Lack of transparency

Loans characteristics

Loans duration

Short-term : one month or less

Medium-term : one month to one year

Loans kinds


Minimal investment

€ 10

Buyback guarantee

Buyback guarantee available


EUR – Euro

PLN – Polish Zloty

Overview of Ekassa’s loans

There are two strategies available; the first one, named Guaranteed offers a guarantee income, while the returns for other one named Profitable aren’t guaranteed.

The duration of the investment can be 1, 3, 6 or 12 months. It’s possible to invest either in Euro or in Polish Zloty; here I’ll focus solely on Euro loans.

Investing through Ekassa is truly straightforward

For the Guaranteed strategy, the returns are 7%, 7.2% and 7.4%, respectively for 1, 3 and 6 months (as of January, 2020). For the Profitable strategy, the expected ranges are 7% – 9%, 8% – 10% and 9% – 11%. In both cases, interest rates for 12 months are the same as for 6 months.

Compared to Ekassa‘s competitors, the interest rates for short-term guaranteed loans are very interesting.

Loan originators

While many platform disclose many details about originators, the amount of information available at Ekassa is rather low. Basically they only disclose the names of the 3 loan originators; all of them are Polish companies. However, no financial data is provided at all.

Ekassa's loan originators
Ekassa's loan originators

Buyback guarantee

Investors choosing to invest through the Guaranteed strategy obviously don’t have to worry about buyback.

For those using the Profitable strategy, the buyback triggers 60 days after the end of the loan, and covers only the principal. As loans usually last one month, this means that investors potentially won’t get any interest on defaulted loans for 3 months. That’s why the expected returns are lower than the loans’ interest rates.

Platform’s transparency and reliability

Compared to their direct competitor DoFinance, Ekassa is unfortunately much less transparent.

Indeed, we already saw that little information is provided regarding the loan originators. When it comes to the team behind the platform, information is even scarcer. The platform’s profile on LinkedIn mostly lists people working on the IT department.

Finally, no statistic is available regarding the platform’s usage : we have no idea how many investors use Ekassa, or how large the issued loan volume is.

I deeply regret this lack of information regarding the platform, which incites me to reduce the platform’s overall rating.

Platform’s features

Early exit

Early exit available

Investing methods


Manual investing


While there’s no secondary market, it’s possible to sell your loans back to the platform; the associated fee is 1% of the amount. As usual, I advise against investing money you may need !

Manual investing at Ekassa

Although I see little need for it, it’s still possible to select loans individually. But why such a simple auto-invest process, why bother ?


Unlike more complex platforms, there’s no need to configure auto-invest. Indeed, investing using the provided strategies means the investor only has to select the strategy, investment amount and duration.

Website’s ease of use


English, German

Funding methods

Ekassa’s registration process

Opening an account at Ekassa is straightforward. There’s currently no KYC (Know Your Costumer) check, making the process even faster and more convenient.

Account funding and funds withdrawal

Website’s design and ergonomics

Overall, the website is very easy to use. One small flaw is the inability to stay connected, forcing you to type your password every time you reopen your browser. But on the other hand, there’s little need to check the website often !

Available languages & translations quality

Ekassa‘s website is available in English and German. The English translation is great, making the platform even more user-friendly.


Reporting is simple but really sufficient; there’s no real need to closely follow Ekassa‘s portfolios.


While there seems to be a lot of documentation available through links on the front page, most of it is actually poorly organized; moreover, there’s a lot of information overlap between pages.


There’s a live chat available on the front page; it’s also possible to get in touch with Ekassa by e-mail.

Communication from the platform​

Ekassa may be the most quiet platform in my whole crowdlending portfolio. The only messages I received were confirmations when I invested, and at the end of the investment period. I mostly regret the lack of a notification when funds reach my account.

Actual performance of my Ekassa portfolio


At the end of April 2020, the XIRR for my Ekassa portfolio was 10,18%.

Ekassa's performance doesn't evolve in a regular manner; during most of my initial investment period, the computed returns were around 7%, well below the expected range for the Profitable strategy (9% – 11% range). However, at the end of the first investment period, the XIRR was 10.34%, an excellent result ! And even better, after re-investing for 6 more months, the performance reached 10.60%.

Don't hesitate to read my most recent crowdlending portfolio review for detailed platforms performance comparison as well as historical performance.

Portfolio creation date

I created my Ekassa portfolio in January 2019.

Ekassa's main competitors

For a detailed comparison of the different p2p-lending platforms offering a very easy way to invest, check out this article.

Ekassa's facts & figures


Tallinn, Estonia

Founded in


As of October 2019

Who can invest at Ekassa

Investing with Ekassa is open to any EU resident who is at least 18 years old with a bank account.

Ekassa FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

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