The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Twino scores 2.9 from 113, 1.7 points lower.
- On our own five-criteria score Twino leads, 67.8% against 65%, almost entirely because of licensing.
- Target return: Maclear 14.5-14.9%, Twino 10-13%. Minimum: EUR 50 against EUR 10.
- Twino suits licensed consumer lending with a buyback. Maclear suits business lending with stronger recent investor feedback.
Maclear vs Twino: the numbers
| Maclear | Twino | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 2.9 / 5 |
| Trustpilot reviews | 971 | 113 |
| 5-star share | 77% | 41% |
| 1-star share | 4% | 37% |
| Our score (rank of 19) | 65% (#10) | 67.8% (#8) |
| Target return | 14.5-14.9% | 10-13% |
| Minimum investment | EUR 50 | EUR 10 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | MiFID II, Latvijas Banka (since 2021) |
| Compensation scheme | None | Up to EUR 20,000 for claims against the firm |
| Buyback | No | Yes |
| Secondary market | Yes | Yes |
| Loan types | SME loans, real estate, factoring | Consumer, business, invoices |
| Headquarters | Wallisellen, Switzerland | Riga, Latvia |
| Founded | 2022 | 2015 |
Trustpilot figures recorded 24 Sep 2026. Our score weights investor protection 30%, execution record 25%, return honesty 20%, transparency 15%, liquidity 10% (method).
Where Maclear is stronger
- Trustpilot 4.6 against 2.9.
- No legacy exposure to Russia, which still weighs on Twino's record.
- A higher target return.
Where Twino is stronger
- A MiFID II licence and more than EUR 1.1B lent since 2015.
- A buyback, a secondary market and a EUR 10 minimum.
- Supervision: MiFID II, Latvijas Banka (since 2021). Maclear has Swiss self-regulation only, no EU licence and a CNMV warning (May 2026).
What Maclear investors say
Two of the 38 Maclear reviews we checked by hand. For Twino's reviews, see its Trustpilot page.
The best platform for P2P investments after 3 years. Payments always on scheduled time. Customer support that responds immediately and solves every problem (even my...
I have been investing in Maclear since January 2025 and I have received my first refunds on schedule. Everything has worked as promised. Monthly payments paid regularly...
Maclear or Twino?
It depends on what you want. Twino is stronger on a mifid ii licence and more than eur 1.1b lent since 2015. Maclear is stronger on trustpilot 4.6 against 2.9. On our own five-criteria score Twino leads, 67.8% against 65%, almost entirely because of licensing. Many investors hold both, with the smaller share in whichever feels riskier to them.
Maclear scores 4.6 on Trustpilot from 971 reviews; Twino scores 2.9 from 113, 1.7 points lower. One-star reviews make up 4% of Maclear's total and 37% of Twino's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Twino: MiFID II, Latvijas Banka (since 2021). Maclear is a member of a Swiss self-regulatory organisation for anti-money-laundering rules, holds no EU crowdfunding licence and was named in a CNMV warning in May 2026.
Capital at risk on both platforms. Neither a licence nor a buyback protects you from every loss, and past payments do not guarantee future ones.