TWINO is a scam. They have made sure, I don’t login to the platform and don’t open their emails. They made sure I am a “sleeper”. This is what users like me are called. Then they sent me an em... See more
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Easy to invest on the platform with a user friendly interface. Good daily information with an account summary.
Company replied
The proceeds are good despite the clunky website. I've had a hard time figuring out why 9 euros of interest were not auto invested. Asking through chat was a bit disappointing, since an answer came w... See more
Company replied
these guys do not understand the concept of client centricity. No solution for Russian Loans Unable to close my account because of Russian loans Charging me an inactivity fee, although i want to... See more
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Company details
Written by the company
Discover TWINO, a leading European investment platform providing accessibility, security, and high-yield investing opportunities. As a licensed investment brokerage firm supervised by Latvijas Banka, TWINO adheres to strict EU investor protection rules and offers financial instruments that are simple and trustworthy. Our user-friendly platform caters to both seasoned and novice investors, delivering impressive returns of over 12% p.a. TWINO's commitment to transparency and compliance ensures a secure environment providing peace of mind while pursuing high returns.
Contact info
Pērses iela 2A, LV-1010, Riga, Latvia
- +371 66 259 594
- info@twino.eu
- twino.eu
2.9
Average
109 reviews
Replied to 100% of negative reviews
Typically replies within 1 week
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ACCOUNT USAGE
Easy to invest on the platform with a user friendly interface.
Good daily information with an account summary.
30 April 2026
Unprompted review
Reply from TWINO Investments AS
Dear Sergio,
Thank you for sharing your feedback.
We’re pleased to hear that you find the TWINO platform easy to use and that the interface supports a smooth investing experience. We’re also glad that our daily information and account summary are helpful to you.
Your feedback is truly appreciated and motivates us to continue improving our services.
Should you ever need any assistance or have any questions, please feel free to contact us at info@twino.eu.
Best regards,
TWINO Team
TWINO is a scam
TWINO is a scam. They have made sure, I don’t login to the platform and don’t open their emails. They made sure I am a “sleeper”. This is what users like me are called. Then they sent me an email (I hopefully won’t receive or open) announcing that from next month on they will charge me for inactivity. They will charge 10€ each month for not using the platform.
If you receive an email like this or have any other issues with this platform, contact your local financial authorities.
I’m based in Germany, so I will contact BaFin and the Verbraucherzentrale for awareness and an official complaint.
As TWINO is regulated in Latvia by Latvijas Banka, it is also important to contact them.
25 April 2026
Unprompted review
Reply from TWINO Investments AS
Dear Customer,
Thank you for your review.
First of all, please note that the inactivity fee was introduced several months ago, and customers were informed about it by email. In addition, information on how to avoid the inactivity fee is available in our FAQ section.
TWINO is not a bank where funds are intended to be stored. It is an investment platform where customers can manage their funds by investing in loan securities.
Regarding the recent platform maintenance, customers were also informed in advance by email. Additionally, a banner was displayed on the main page for several days to notify clients and allow them to plan their financial decisions accordingly.
If there is anything we have not addressed or if you have any further questions, please feel free to contact us at info@twino.eu. Our team will be happy to assist you as soon as possible.
Best regards,
TWINO Team
Reply from TWINO Investments AS
Hello,
Please be informed that AS TWINO Investments is not a scam. We are a licensed brokerage firm.
If you have experienced any issues with your investments, withdrawals, or any other processes, please feel free to contact us at any time at info@twino.eu.
Our team will be happy to assist you as much as possible.
Best regards,
TWINO Team
Strong Loan Originator with great yield
18 April 2026
Unprompted review
Reply from TWINO Investments AS
Dear Chris,
Thank you for taking the time to share your review.
We’re pleased to hear that you are enjoying your experience with TWINO. Providing reliable, user-friendly, and high-quality services is very important to us, so your positive feedback is truly appreciated.
Should you ever need any assistance or have any questions, please feel free to contact us at info@twino.eu.
Best regards,
TWINO Team
Incompetence and impotence
So I bought a lot of Vietnamese investments in the secondary market. They were all marked (and still are!) as active. Even though the Vietnamese company is dead and insolvent. No information can be found on the website. Their communication with investors is through emails that you may or may not even receive. But who cares?They don't. Don't recommend using Twino to anyone. Everything they touch turns to shit.
28 February 2026
Unprompted review
Reply from TWINO Investments AS
Dear Customer,
Thank you for sharing your feedback.
We truly understand your concerns regarding the Vietnam loan securities, and we completely understand how disappointing and frustrating this situation may feel. We know that every investment matters, and we never take that lightly.
As previously communicated by email to investors holding Vietnam loan securities, the most recent distribution related to these loans represents the final payment that could reasonably be expected under the existing guarantee arrangements. The recovered amount has already been allocated to investors in line with our standard distribution process.
Please be assured that we continue to closely monitor the situation. Should there be any material developments or unexpected additional recoveries in the future, we will immediately inform affected investors. At this stage, however, no further distributions are currently anticipated.
If you would like to discuss your specific case or have any additional questions, please do not hesitate to reach out to us.
Best regards,
TWINO Team
These guys do not understand clients
these guys do not understand the concept of client centricity.
No solution for Russian Loans
Unable to close my account because of Russian loans
Charging me an inactivity fee, although i want to close my account
Oh and ridiculous requirements for a Password, so you have to write it down somewhere and then lose it.
but the worst of all: if any contact you have with their CS, the answer is: sorry we cannot help you.
27 February 2026
Unprompted review
Reply from TWINO Investments AS
Dear Customer,
Thank you for taking the time to share your feedback.
We would like to clarify a few important points.
First, regarding Russian loans — we provided a solution to all affected investors. Emails were sent individually to each client, with the first communication issued on January 27, 2026, followed by several reminders. In addition, notifications were displayed as banners within clients’ profiles to ensure the information was clearly visible.
Second, concerning the inactivity fee — it is important to clarify how it works. If your portfolio consists of delayed loan securities and you do not hold an uninvested available balance, no inactivity fee is applied. The fee is only charged when funds remain uninvested in your account for more than six months. However, clients can withdraw their funds at any time. In simple terms, you always have the option to either invest or withdraw your available balance to avoid the inactivity fee.
Regarding account security, we apply standard password requirements along with an optional two-factor authentication (2FA) feature to provide an additional layer of protection. If you experience any difficulties, our client support team is always happy to assist at info@twino.eu.
If you still have any questions or concerns, please feel free to reach out to us directly.
Best regards,
TWINO Team
I have been client for multiple years
I have been client for multiple years. at first i was doing small investments but in recent years i have expanded it. I really trust them as a client and will continue to invest.
9 February 2026
Unprompted review
Reply from TWINO Investments AS
Dear Customer,
Thank you for your review.
We’re delighted to hear that you had a great experience on the TWINO platform, and we hope this positive experience continues.
If you have any questions or would like to share additional feedback, please feel free to contact us at info@twino.eu.
Wishing you a wonderful day.
Best regards,
TWINO Team
Suddenly 10 euro fee per month (out of…
Suddenly 10 euro fee per month (out of the blue) if there is inactivity in the account. So not really passive income, but rather active.
5 January 2026
Unprompted review
Reply from TWINO Investments AS
Dear Dan,
Thank you for taking the time to share your feedback.
We would like to clarify that the introduction of the inactivity fee is not intended to mislead or disadvantage our investors. Its purpose is to encourage clients to use TWINO as an active investment platform, rather than a place to store unused funds. Even inactive accounts require ongoing operational maintenance, regulatory oversight, and reporting, which generate costs on our side.
Additionally, all investors are notified several times in advance before the inactivity fee is applied. This gives every client plenty of time to withdraw or reinvest their unused funds if they prefer not to keep them on the platform.
You can read more details about the inactivity fee here: https://www.twino.eu/en/how-it-works/faq/question?q=inactivity-fee
If you have any further questions or concerns, please don’t hesitate to contact us at info@twino.eu
— our team will be happy to assist you.
Best regards,
TWINO Team
They have introduced a scammy…
They have introduced a scammy inactivity fee with bogus justification. I would stay far away from this company as such a move reeks of financial trouble.
31 October 2025
Unprompted review
Reply from TWINO Investments AS
Dear Erik,
Thank you for taking the time to share your feedback.
We would like to clarify that the introduction of the inactivity fee is not intended to mislead or disadvantage our investors. Its purpose is to encourage clients to use TWINO as an active investment platform, rather than a place to store unused funds. Even inactive accounts require ongoing operational maintenance, regulatory oversight, and reporting, which generate costs on our side.
Additionally, all investors are notified several times in advance before the inactivity fee is applied. This gives every client plenty of time to withdraw or reinvest their unused funds if they prefer not to keep them on the platform.
You can read more details about the inactivity fee here: https://www.twino.eu/en/how-it-works/faq/question?q=inactivity-fee
If you have any further questions or concerns, please don’t hesitate to contact us at info@twino.eu
— our team will be happy to assist you.
Best regards,
TWINO Team
Used to be one of the best EU P2P…
Used to be one of the best EU P2P companies, fully regulated, licensed, registered brokers. I would grade them 8/10. Then came pandemic, war and that all was understandable when you invest. But first they removed mobile app and worst of all fully stopped communication for a year. You sell trust, and you lost it.
26 October 2025
Unprompted review
Reply from TWINO Investments AS
Dear Customer,
Thank you for taking the time to share your detailed feedback — we truly appreciate your honesty and the trust you placed in TWINO over the years.
We completely understand your concerns regarding the communication gap and the removal of the mobile app. Over the past few years, TWINO has gone through significant challenges and internal changes brought by external circumstances, such as the pandemic and geopolitical events. Unfortunately, this also impacted how we communicated with our investors for a certain period — and we sincerely regret that.
We want to assure you that TWINO is now fully operational, with an even stronger focus on transparent communication, platform improvements, and investor support. The mobile app is also planned to return in the near future.
Thank you again for your understanding and for staying with us through these changes. Your feedback genuinely helps us improve and rebuild the trust that TWINO stands for.
If you have any questions in the future, feel free to contact us at info@twino.eu
Warm regards,
TWINO Team
I have been using the platform for a…
I have been using the platform for a long time.
It is simple, understandable, investor-friendly, with multiple levels of protection mechanisms, which I believe is appreciated by investors.
5 September 2025
Unprompted review
The proceeds are good despite the…
The proceeds are good despite the clunky website. I've had a hard time figuring out why 9 euros of interest were not auto invested. Asking through chat was a bit disappointing, since an answer came weeks later. In the meantime, I found out that there's a minimum of 10 euros.
Like I said: the proceeds are good, so don't let this keep you from investing here.
3 September 2025
Unprompted review
Reply from TWINO Investments AS
Hi there,
Thank you so much for your feedback – we really appreciate it! And apologies for the late reply.
If you ever run into a similar issue again, feel free to reach out directly via info@twino.eu or message us on Telegram. We’re always happy to help and make things right as quickly as possible.
Warm regards,
The TWINO Team
Long established.
Twino has been around for many years and I've always had a good return from them. Yes I had Russian loans but I don't blame Twino for Putins illegal war. Stick to their core Polish loans and there have been no problems. Website is easy to navigate and the secondary market is lively and I was recently able to quickly sell all my holdings due to a payment commitment.
30 June 2025
Unprompted review
I have a somewhat positive review about…
I have a somewhat positive review about twino. Their P2P aspect is really trying, not perfect but at least there's something good to talk about in that department.
2 July 2025
Unprompted review
3 year experience summary
I had a small sum of British pounds which I invested over 3 years ago to learn about Twino and P2P loans. My returns are steady in line of my expectations. Information and feedback is good. Although I never withdrew any of my funds, there is no signal or reason that they are not safe. I plan to invest more in euro's in the near future.
12 June 2025
Unprompted review
Reply from TWINO Investments AS
Thank you for your review!
We’re very happy to hear that you’re enjoying your experience with TWINO.
Investing with Twino
Loan Securities: As far as it concerns loans securities experience is good, although it lacks offerings from other countries than PL, thus one has to manage part of portfolio elsewhere for diversification. Concerning defaulted loans (VN, PH), it is a mess. I do not see them properly reflected in statements so I cannot account losses when I will pay tax.
Primary market: It has always securities to offer. Interest rates are ok.
Secondary market: it is much appreciated thanks to the zero fees.
Cashback campaigns: rules lately have become tricky, not really appreciated by investors, comparing to the past and what other platforms offer.
Loyalty bonus: Not existing and it is makes me really sad. Other platforms are offering up to 2% for loyalty.
Referral campaigns: These are broadly advertised but when new investors try to understand the terms, outdated information (e.g. pages still refer to past campaigns and rules, not current ones) gets in the way.
Cashout: all good. No delays.
12 June 2025
Unprompted review
Reply from TWINO Investments AS
Hi,
Thank you for the detailed review, we really appreciate it. :)
We're very upset ourselves about the situation with the defaulted loans and our commitment to recovering funds for our investors remains as strong as ever. You can read the latest update from our CEO here:
👉 https://blog.twino.eu/a-letter-from-the-ceo/
A loyalty bonus is something we plan to implement in the future, and we’ll also make sure that cashback campaign information is clearer going forward.
Thank you again for your valuable feedback.
Best regards,
Kristiāna from TWINO
I'm investing in twino for several…
I'm investing in twino for several years and the experience has been close to perfect!
12 June 2025
Unprompted review
Very solid and reliable P2P Platform…
Very solid and reliable P2P Platform that just misses an appealing Loyalty Program for loyal and bigger investors to receive 5/5 stars from my side.
12 June 2025
Unprompted review
Great platform for investing.
11 June 2025
Unprompted review
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