The short version
Maclear comes up on Reddit mostly because it is advertised heavily in Portugal: in July 2026 Portugal was the country with the most new investors on the platform, according to one poster. The people asking are usually about to invest and want a second opinion.
What they get back splits cleanly into two groups. The few who have money on Maclear describe a platform that has done what it said. The larger group, mostly people who have not used it, distrust any P2P platform that pays 14 to 16 percent.
Investors in the threads report regular interest and, in August 2025, one wrote that they "made 20% with all bonuses" and that a test withdrawal "had no problem".
A long-time P2P investor says the platform has run for about three years "without major problems" with one documented default. That default, Vibroedil, was covered by the CEO personally.
Several say friends or they themselves have been "very happy with the profits" for around two years, and that being early on a young platform has paid.
The most repeated reply to anyone asking: "if it looks too good to be true, it is". Commenters point out that 14 to 16 percent reflects the risk of the borrowers.
A detailed post (August 2026) lists the Swiss SRO membership (anti-money-laundering only), no ECSP licence, no compensation fund, the CNMV warning of May 2026, and 2024 accounts published late, unaudited and with negative equity.
A few users say they could not reach some borrower companies or found near-identical project websites. These are allegations; we could not verify them either way.
Positive experiences on Reddit, in their own words
Comments from people who invest on Maclear or know someone who does. Most are in Portuguese, so each screenshot comes with our English translation. Where a commenter added a warning, the translation keeps it.
Two of the commenters above (u/sapantera and u/GeoMain) also offered referral codes in the same thread. u/Illdiepoor, who reported the successful test withdrawal, later posted that they could not reach several borrower companies, so we quote them in the summary rather than as a recommendation.
Why the two sites disagree
Trustpilot hears from Maclear's own customers: nearly every review follows an invitation from Maclear, sent after they have invested. Reddit's finance forums lean towards index funds and are wary of P2P lending in general. Many replies to Maclear questions say "stay away from all P2P", whichever platform is named.
Both views are useful. The first shows how the platform has treated people who invested. The second shows the risks those people are taking.
Where Maclear is discussed
Threads found by searching Reddit for "Maclear" on 24 Sep 2026. Referral-code posts (r/BeermoneyTuga, r/referralcodes) are left out: they are adverts, not opinions.
Every thread we read
| Thread | Subreddit | Posted | Comments |
|---|---|---|---|
| Turned 18 yo, parents gave me 45k they saved for me. How would you split it? | r/eupersonalfinance | 12 Sep 2026 | 79 |
| Almost sold €230k of VWCE for VGLA. | r/eupersonalfinance | 8 Sep 2026 | 66 |
| Maclear: uma plataforma P2P a evitar? | r/literaciafinanceira | 22 Aug 2026 | 13 |
| Investimento P2P | r/literaciafinanceira | 12 Aug 2026 | 22 |
| Maclear P2P/P2B | r/literaciafinanceira | 24 Jul 2026 | 13 |
| Maclear P2P | r/literaciafinanceira | 2 Apr 2026 | 21 |
| Diversificar portfolio - MaClear | r/literaciafinanceira | 29 Mar 2026 | 5 |
| Investimentos Maclear Suíça | r/literaciafinanceira | 7 Jan 2026 | 14 |
| Maclear - Opiniões & Experiência | r/literaciafinanceira | 24 Aug 2025 | 30 |
| Maclear & 8Lends | r/literaciafinanceira | 3 Jun 2025 | 15 |
| P2P lending in 2025? | r/eupersonalfinance | 26 Apr 2025 | 34 |
| MacLear | r/literaciafinanceira | 23 Feb 2025 | 49 |
Maclear on Reddit: common questions
Opinion is split, and more critical than on Trustpilot. People who have invested report that interest is paid, a test withdrawal worked and there has been one documented default in about three years. Most other commenters are wary of the 14 to 16 percent rates, the Swiss self-regulatory status and Spain's CNMV warning.
Mostly on r/literaciafinanceira, a Portuguese personal-finance forum, because Maclear is heavily promoted in Portugal. It also comes up in r/eupersonalfinance threads about P2P lending.
Yes. One investor with EUR 5,000 on the platform wrote in August 2025 that they tested a withdrawal and had no problem; the same user later became critical of the platform. On Trustpilot, several reviewers describe withdrawals reaching their bank within one or two days.
Some Reddit users call it a Ponzi scheme and say they could not verify certain borrower companies. Those are allegations that we cannot confirm or rule out. Maclear has paid interest and returned capital to the investors who write about it, but a platform's record says nothing certain about its future. Its regulatory position is set out on the full review.
See how Maclear compares.
Trustpilot scores, rates and supervision for Maclear against 12 other European platforms.