We had a minor scare when they switched the bank account for deposits to one in London, but they quickly resolved the issue for Spanish investors, ensuring we don't incur any fees at our Spanish banks... See more
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Swiss-Regulated P2P Crowdlending Platform
Maclear is a Swiss-regulated peer-to-peer crowdlending platform that allows investors to access diverse international opportunities with a low entry threshold of just €50.
Our crowdlending platform connects investors with creditworthy European businesses seeking additional financing. We prioritize investor protection, featuring a comprehensive provision fund and adhering to Swiss anti-money laundering and data protection regulations.
Investing with Maclear offers numerous benefits, including passive income generation and the potential for high annual returns of up to 16%. Our P2P lending platform focuses on real sector businesses with sustainable performance and reliable revenues, undergoing rigorous risk assessments and project scoring before being presented to investors.
All investments receive guaranteed monthly payouts, with your first interest payment arriving in just 30 days.
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€50 Minimum Investment |
16% Annual Returns |
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0% Platform Fees |
30 Days to First Payment |
What sets our crowdlending site apart is our zero-fee structure - we charge 0% on deposits, 0% on investments, and 0% on withdrawals. This transparent approach ensures that what you invest is exactly what works for you, with no hidden charges on your P2P investments.
Maclear's operations under Swiss jurisdiction and regulation by PolyReg Services GmbH SRO enhance investor confidence, demonstrating our commitment to compliance with legal and ethical standards.
Our peer-to-peer crowdlending opportunities undergo multi-stage due diligence by financial experts, ensuring only quality projects advance to our investing platform.
Since our launch in May 2023, we have maintained a perfect track record with zero reported defaults, thanks to our rigorous project selection process and comprehensive risk management.
Each investment is secured by equipment as collateral, providing an additional layer of security for your passive investments.
For experienced investors, we offer attractive loyalty bonus levels, with additional returns of up to 5% annually for larger investment portfolios. Our platform also features a secondary market where investors can access their funds quicker by selling their loans when needed.
Our mission is to create a multi-level service where investors can access transparent, trustworthy, and sophisticated site crowdlending opportunities.
Choose Maclear AG as your trusted P2P investing platform for secure, rewarding passive income from European businesses.
Start your investment journey today and join thousands of satisfied investors who have discovered the benefits of our regulated crowdlending platform.
Written by the company
Richtistrasse 7, 8304, Wallisellen, Switzerland
Replied to 100% of negative reviews
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Everything ran smoothly. User-friendly platform. No doubt I will keep on investing with Maclear.

Reply from Maclear AG
Support simply ignores my messages,twice,about bonus calculation.,I am s am still waiting for an answer.....
if a bad mark on trustpilot could change something....

Reply from Maclear AG
Smoothly operating plattforms. Invested since the start of Maclear and it became one of my top 3 P2P plattforms. Thank you for that excellent performance and attractive interest rates!
⭐⭐⭐⭐⭐
Please keep it up 💪🏼

Reply from Maclear AG
I started investing at the beginning of 2024 with Maclear. Everything went smoothly and transparently. All payments were made as stated. What I appreciate the most is that Maclear is always there in real time, with support and answers to our questions. More, the company is actively finding new opportunities for investment.

Reply from Maclear AG
I am updating my original review. After posting, the issue was resolved in less than 24 hours.
My account access was fully restored, and the problem is now completely settled. While the initial support was slow (perhaps because they are a new company), their response to a serious concern was swift and effective once escalated.
Maclear has proven to be legit, and the payout process works well. I hope we can continue to do business together for a long time.
Original message:
I deposited 500€ and everything was fine. The next month, I deposited another 500€, but then they asked me to verify my address, which they already had on file. They also requested a document, which I sent, but a bug in the platform is preventing it from being accepted.
The support team takes weeks to respond, and I still can't access my own money. THEY'VE LOCKED MY MONEY AWAY, AND I HAVEN'T BEEN ABLE TO TOUCH IT FOR A MONTH!

Reply from Maclear AG
A young and dynamic P2P platform with top yields on their projects.
Nevertheless, would be better if they could provide more transparency on financial reports to avoid red flags by major P2P advisers.

Reply from Maclear AG
I have experience with P2P lending platforms: stable ones with low returns, and high percentage ones, but tearing you apart with delays and suspensions. Maclear gives you both stability and high returns! I hope, it goes on like this.

Reply from Maclear AG
At the opening of my account in august 10th I transferred money from my bank account. I've got the confirmation by e-mail of my transfer but after more than 5 weeks my account is still not credited. Sinds this confirmation the support does not answer my emails. I have also sent a request to "info at maclear" to bring the absence of answer under the attention.
Without any response I can suspect a lot of bad things.
UPDATE: A couple of days after posting my review, my account was credited. Sinds this moment everything is working as intended and I am a happy investor on the platform.
I also received an apology from the support team for the delays and a small cash amount as compensation which is nice to get.
Also thanks to Trustpilot.com

Reply from Maclear AG
I recently discovered MACLEAR, my first crowdlending experience. Being based in Switzerland and regulated by a Self-Regulated Organization (SRO) was reassuring. The platform is user-friendly, and I easily made my first investments last week. I appreciate the rates, detailed company information, and bonus opportunities. Overall, MACLEAR is a solid choice for crowdfunding beginners.

Reply from Maclear AG
An easy platform to invest. Monthly payments and save money. Recently I have recovered money of my first investment with excelent profit.

Reply from Maclear AG
Expanded Review of Maclear – Honest Account from a Verified User
I joined Maclear on July 22, 2025, attracted by what seemed like a transparent, euro-based crowdlending platform with strong marketing and appealing returns. Unfortunately, my experience has been disappointing from the start, and I feel compelled to share the details for the benefit of other potential investors.
1. Bonus Conditions Were Unclear, Support Was Too Slow
Within the first week, I tried to make a qualifying deposit to receive their advertised bonus. I initiated a transfer from my brokerage account — which bears the same name and address as my Maclear profile — but only later learned (through trial and error) that Maclear requires deposits to come from a traditional bank account, not a brokerage.
I contacted support immediately, but because it was the weekend, no one responded in time. By the time I finally heard back from Wenzel, a member of their team, two critical days had already passed, and I had missed the bonus window entirely. This could have been avoided with clearer onboarding and faster customer support.
2. Primary Market Listings Are Misleading
Once I was verified and my €1,000 deposit was received, I attempted to invest in a project listed in the Primary Market as euro-denominated. However, upon clicking into the project, I was redirected to an external site (8lends.io), where the investment was denominated in USDC (crypto) — not euros.
There was no prior warning of this currency switch, nor any clear path for a user holding euros to convert or invest. I wrote again to ask how I could invest my €1,000 — but days passed with no actionable guidance. To this day, I still haven’t received a straight answer about how to invest in a real euro-based project from my bank deposit.
3. Email Marketing Lacks Transparency
Marketing emails sent from Maclear include bold calls to action like “Invest Now,” but when clicked, they lead to glossy company dossiers — without any investment buttons, no mention of the required currency, and no explanation of how to proceed. You’re left confused, unable to act on the opportunity. If investment is only possible by logging into the dashboard, that should be made clear.
4. Crypto Course Quality Is Poor
I also completed Maclear’s free “Crypto Course,” which is a set of seven videos narrated by the CCO in heavily accented English, with poor production quality. Slides are auto-translated by AI, and the platform even asks users to rate the AI-generated text. This doesn’t inspire much confidence in a platform handling real investor funds.
5. No Real-Time Customer Support
Unlike other platforms I use (like QuantFury), Maclear has no phone line or live chat during weekends, and its chatbot simply collects your email. If you need help — especially when your money is on the line — you’re often left waiting with no one to speak to. This is a major concern.
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Conclusion:
In the end, I requested a full withdrawal of my €1,000, which I received a few business days later. I have left my Maclear account open but inactive, and I will not be reinvesting. Between the lack of transparency, confusing investment paths, delayed customer service, and misleading marketing, I simply cannot recommend Maclear in its current form.
Red flags:
• Marketing e-mails are pointless. The subject introduces a “new company”; the big “Invest now” button opens a glossy PDF that never states the currency and contains no link or instructions to invest—the trail just ends.
• “Current projects” list is just as empty. Scroll down, click the project thumbnails, get more slick PDFs—again no currency disclosure and no way to place an order. Why label the button Invest now if you can’t?
• Crypto course = low-budget production. Seven beginner-level videos narrated by the CCO in heavily accented English; slides are machine-translated and the platform even asks me to rate the AI text. Hardly confidence-inspiring for a financial firm.
• Support silence. Still no explanation of where the EUR projects went or how to invest my €1 000, so I have initiated a full withdrawal.
Verdict: unclear, non-transparent, a time-sink—cannot recommend.

Reply from Maclear AG
I'm on my second month, still early but so far so good.
The website needs improvements but I can tell it's a work in progress.
An APP could be useful.

Reply from Maclear AG
We can just say that we are new investors with your company.
So far the inscriptions and the start of our investment is good.
Let's wait and see for more information.

Reply from Maclear AG
The platform is easy to use and you get the right amount of info. It just gives you the safety vibe I need as an investor.

Reply from Maclear AG
Good complement to your investments
I've completed some investments in this platform and the returns are amazing. Take into account that higher interests involve higher risks.

Reply from Maclear AG
Up to now, very userfriendly!
I’m expecting some returns of my investments to have a better understanding of your project.

Reply from Maclear AG
So far I have had good experiences with Maclear. Deposits/withdrawals have worked without any problems and I receive the interest on time.
Except for 8lends, you have to be very careful. There is a helpful Telegarm group but you have to be very careful who you trust because there are a lot of scammers. But even here it helps to follow a few rules - then there are no problems. However, I prefer to invest with Maclear myself. This is my preferred investment class for P2P investments.

Reply from Maclear AG
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