Ekassa : extra-simple and profitable investments

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

Ekassa is an excellent way to begin investing in peer-to-peer loans. Their offer is even simpler than DoFinance‘s, and in most cases it’s also more profitable. Investors who don’t want to bother configuring auto-invest will appreciate the extreme simplicity of both Guaranteed and Profitable strategies !

Detailed ratings

Interest rates

The interest rates are lower than for more complex offers.

Loans liquidity

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


Thanks to a very easy mechanism, there’s no need for much reporting.

Buyback guarantee

For the Profitable strategy, the 60 days delay is long, especially as the interests aren’t guaranteed.

Website ergonomics

The website is straightforward to use.

Ekassa’s pros & cons


  • An extremely simple offer
  • Extremely competitive rates for both strategies


  • The fees for early withdrawal are a bit high

Loans characteristics

Interest rates

7% – 11%

Loans duration

Less than 1 month

1 month to 1 year

Loans kind


Minimal investment


Buyback guarantee

Buyback guarantee available




Ekassa’s strategies

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 or 6 months. It’s possible to invest either in Euro or in Polish Zloty; here I’ll focus solely on Euro loans.

For the Guaranteed strategy, the returns for the different durations as 7%, 7.2% and 7.4% (as of January, 2019). For the Profitable strategy, the expected ranges are 7% – 9%, 8% – 10% and 9% – 11%.

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

Buyback guarantee

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

For those who chose 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 features

Early exit

Early exit available


Auto-invest available

Early exit

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 your may need !

Auto-invest feature

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 investment amount and duration.

Manual investing

Although I see little need for it, it’s still possible to select loans individually.

Website’s ease of use


English, Deutsch

Funding methods

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.

Registration process

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

Account funding

Only SEPA transfer is available. Funds are credited quickly.

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 !


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

Actual performance of my Ekassa portfolio

At the end of March 2019, the XIRR for my Ekassa portfolio using the Profitable strategy was 7.57%. This is below the expected range (9% – 11%) but the performance is slowly increasing.

Ekassa’s main competitors

Compared to DoFinance, I find Ekassa‘s guaranteed return strategy easier to understand. It’s also more interesting for durations of 1 or 3 months.

In addition, the Profitable strategy is expected to provide better returns for all durations, making it an excellent choice for all investors.

Overall, as outlined in my review of one-click investing platforms, I consider that Ekassa is the best choice for investors who want a very easy investing experience without sacrificing returns.

Ekassa’s facts and figures


Tallinn, Estonia

As of February 2019

Who can invest

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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