Maclear Bonus & Referral Code: 3% Cashback, €15 and €30 per €500

Is there a Maclear promo code in 2026?

Short answer: there is no promo code in the classic sense, nothing you type into a discount field to unlock a special offer. What Maclear works with is a referral connection, and you establish it either through a referral link or by entering a referral code during registration. Either way Maclear stores that connection on your account and pays 3% cashback on every qualifying investment for 90 days. The other two parts, €15 welcome and €30 per €500, are platform programmes that every new investor gets without any link or code.

The Maclear bonus at a glance:

• •3% cashback on all primary-market investments in your first 90 days, paid as cash to your balance (referral link or code required)
• •€15 welcome bonus on your first investment of €50 or more, placed within 7 days of registration
• •€30 for every full €500 you invest in a project, up to €300 per project, and the cap resets for every new project
• •All programmes can be combined, Maclear lists no mutual exclusions

To be transparent: the 3% cashback is not a FinanceArena exclusive. It is the new-user side of Maclear's own 3+3 referral programme, so anyone who registers through any referral link or code gets it, and whoever shared it receives 3% of the same investments. Ours is one of those links. Without that connection there is no cashback, and Maclear states it cannot be added afterwards.

For context: Maclear is a Swiss crowdlending platform for secured business loans paying 14 to 16% a year depending on the project (the homepage headline says up to 15.6%), minimum €50 per project. The full test is in our Maclear review, and the short version of how the platform works is in 10 things to know about Maclear. This article stays on the bonus.

The Maclear bonus explained in our video

If you prefer watching, our English Maclear review covers the platform in under ten minutes. The bonus chapter starts at 01:23. More P2P videos are on our channel.

Maclear bonus stack: worked examples

Two things about these numbers, because they get added up wrongly all the time.

First, these are one-off amounts for new investors, not an extra return per year. The project interest of 14 to 16% runs on your capital regardless, and only the cashback column arrives as cash.

Second, the €300 cap applies per project, not per account, and every new project resets it. That is why the €10,000 row pays €600 in blocks. Within a single project Maclear counts the full amount you have invested there, rounded down to complete €500 blocks, so adding €100 to an existing €900 position does take you to the second block. What gets lost is the remainder: €999 in a project pays the same €30 as €500, and €490 earns no block at all.

How to get the Maclear bonus step by step

The full stack needs the right order of steps.

Step 1: register through a referral link. Open Maclear via our link (or any other referral link) and create your account. This starts two clocks: 7 days for the welcome bonus and 90 days for the cashback. Both count from registration, not from the day your verification is approved.

Step 2: complete verification. Identity check via Sumsub, which Maclear says typically completes within 10 minutes, and proof of address. Both have to be done before you can deposit anything. Form A, the one-time Swiss compliance document, comes later in the process: Maclear emails it after your first investment for e-signing through Skribble, and until it is signed that first investment stays your only one, AutoInvest is locked and you cannot sell on the secondary market.

Step 3: deposit. Deposits are free; after a one-time activation you get a personal virtual IBAN and SEPA Instant transfers arrive within minutes.

Step 4: place your first order within 7 days, €50 or more, on the primary market. This triggers the €15 welcome bonus and already earns cashback. The €30 blocks need €500 in a project.

Step 5: watch the €500 blocks per project. Maclear adds up everything you put into a project and pays €30 per complete €500, up to €300 per project. Above €5,000 a second project gives you a fresh cap and one more borrower.

Step 6: keep investing within 90 days. Every primary-market order in that window earns 3% cashback, credited as cash once the project reaches Funded. AutoInvest orders count for all three programmes.

The registration with screenshots from our own account is in the Maclear sign-up guide.

Maclear bonus conditions in detail

All three programmes are documented in Maclear's help centre. These are the rules that cost people money when overlooked.

3% cashback (referral programme):

• •Only for accounts registered via a referral link or code, no retroactive activation
• •First 90 days from registration, primary market only, minimum €50 per investment
• •Credited as cash to your Available balance when the project changes status to Funded. A project that only reaches Funded after day 90 earns nothing
• •No cap, withdrawable at any time (minimum withdrawal €50, to a verified IBAN in your own name)

€15 welcome bonus (platform programme):

• •Your very first investment, €50 or more, primary market, within 7 days of registration
• •Credited as a separate bonus position in the same project, not as cash, at the same rate and repayment schedule as your main investment
• •Once per account, no retroactive grant if the first order is late or too small
• •If the project ends up Not Funded, the funds and the €15 return to your balance, but the 7-day window keeps running

€30 per €500 (platform programme):

• •€30 for every full €500 of the total you have invested in a native Maclear project on the primary market, rounded down to complete blocks; €999 pays €30, €1,000 pays €60
• •Cap €300 per project (€5,000 eligible) for all leaderboard leagues below Platinum. According to Maclear's leaderboard FAQ, Platinum investors have €30,000 eligible per project, so a cap of €1,800
• •Unlimited projects, each calculated independently and each resetting the cap; adding to a position you already hold in a project counts towards the same blocks
• •Credited as a separate bonus investment in the same project, visible while Reserved, invested when the project is Funded, at the same interest rate as your own investment there

What never earns a bonus: secondary-market purchases (no welcome, no blocks, no cashback) and investments into bonus positions themselves.

Bonus positions are locked capital. This is the point we would flag hardest. The €15 and the €30 blocks are investments, not cash. You cannot sell them on the secondary market, and they are repaid on the project's schedule like the investment that earned them. Only the 3% cashback is money you can move the day it lands.

Loyalty tiers, referral programme and leaderboard

Three details the table does not show. Tiers are assigned automatically and can be skipped (€50,000 in one go is Alpha straight away). The rate is fixed when a project is Funded: move up later and only new investments get the higher uplift. And the tier drops as soon as repayments or secondary-market sales push your active portfolio below the threshold, because Maclear measures current active investments, not a lifetime total. Secondary-market purchases count towards that volume and receive the uplift too.

The referral programme (3+3): once your proof-of-address verification is complete, you get a referral link. For every primary-market investment a referred friend makes in their first 90 days, you receive 3% as cash and the friend receives the 3% cashback. Maclear's example: a friend invests €10,000, each side receives €300.

The leaderboard: since 24 July 2026 Maclear also ranks investors in four leagues by active funded investments. Bronze (up to €2,499.99) pays €10 cashback per full €1,000 on the primary market, Silver (from €2,500) unlocks a separate project category, Gold (from €10,000) grants a +1.5% APR voucher and Platinum (from €50,000) a +2% voucher, each with 10 uses and 60 or 90 days validity. It is a separate system from the loyalty tiers, and its main effect here is the higher €30-bonus cap for Platinum.

Maclear's separately activated token rewards (8LNDS), which Maclear itself calls a "marketing token, not an investment product", are not counted in any number here.

Where the bonus shows up: account and tax statement

The programmes land in different places. The cashback arrives as a cash transaction on your Available balance as soon as the project is Funded, which can take up to 10 business days after your investment is confirmed. The €15 welcome bonus and the €30 blocks appear under My Investments as separate bonus positions in the same project.

For tax, Maclear provides a downloadable statement under Statements, Tax. The screenshot above shows that Statements page in our own account, with the tax export behind the third tab. The cashback appears there as its own line, simply "Cashback", separate from interest income. Maclear states that it deducts no Swiss withholding tax on interest, referral rewards or bonuses, and credits them in full. You declare the income in your country of residence under its rules for interest and similar income. How cashback is classified differs by country, so check with your national tax authority or a local adviser.

Is the Maclear bonus worth it?

Purely on the numbers, the stack adds up quickly: 3% cashback paid in cash, plus two fixed programmes on top. The honest framing is that a bonus is a start advantage, not an investment case.

One fact belongs in every bonus article about Maclear. In 2024 the platform received CHF 464,322 in interest from borrowers and paid out CHF 827,849 in interest and bonuses to investors; Maclear covered the gap from its own commission income and writes that the larger part of it was investor bonuses. So the stack is financed from platform funds, not from loan income, and the terms are Maclear's own to set. It also sets them unevenly: according to its leaderboard FAQ, the cap for Platinum investors is €1,800 per project, while everyone below Platinum stays at €300.

The mistakes that cost new Maclear investors money, from partial €500 blocks to idle cash earning nothing, are collected in Maclear mistakes to avoid.

Conclusion: Maclear bonus

The Maclear bonus in 2026 is 3% cashback for 90 days through a referral link, a €15 welcome bonus on a first order of €50 or more within 7 days, and €30 for every full €500 you invest per project, capped at €300 per project and repeatable for every project. With €2,500 in one project that is €240, with two projects of €5,000 each it is €915, and there is no discount code to enter, only the referral connection at registration.

The three rules that decide how much you actually get: register through a referral link before anything else, place the first order within 7 days, and keep an eye on the €500 blocks per project, because whatever sits below a complete block earns nothing.

The bonus fits you if you want to test Maclear anyway, can start with €500 or more per project so all three programmes apply, and understand that the €15 and €30 parts are locked positions repaid with the project. It fits less well if you want an EU-licensed platform with investor compensation or would be investing money you need in the short term.

P2P lending is risk capital. Maclear is a Swiss financial intermediary and PolyReg member, not an EU-regulated crowdfunding provider, and no deposit guarantee scheme applies. The provision fund covers interest during delays and is not a guarantee, and a total loss on a project is possible, with the bonus positions lost along with it. We lay out the safety architecture and the first default in Is Maclear safe?.

How much of that risk you are willing to carry is your call. If you decide Maclear fits, a first investment of €500 through a referral link comes with €60 on top.