Twino – Platform Introduction

Twino belongs amongst the largest P2P lending portals in Europe. To date, over EUR 800 million has been invested on the portal. In May 2021, there were around 25,000 active investors on the platform and an average interest rate of 10.3% p.a. The offer on Twino consists of short-term loans up to 3 months (85% of the offer) in combination with a buyback guarantee. Manual investing is possible, but offers no added value to AI. Most loans are provided with only a minimum of information, so the portal and investment works best through Auto Invest.

Compared to other portals, Twino has the disadvantage of low transparency. Together with the Mintos platform, Twino has played an important role in spreading P2P lending across Europe, and to this day they have a significant share in the volume of non-bank consumer loans financed through peer-to-peer.

In June 2021 77% of loans are current, 18% of loans are delayed and the rest, approximately 5% are in default. This does not apply to an offer based on a buyback guarantee, however, these figures provide relatively clear feedback on the quality of the marketplace. An interesting option is the possibility of maintaining an account in EUR or GBP.

Twino – Basic Overview

  • Establishment: 2015
  • Supported currencies: EUR, GBP (but not both at once)
  • Average interest rate: 10,3 %
  • Average maturity: 1-3 months (90% of offer), the rest 12-24 months
  • Minimal investment per participation: 10,- EUR
  • Investor fees: X
  • Auto Invest:
  • Secondary market:
  • Buyback obligation:
  • Option to sell participations prematurely: X
  • Official website:
  • Official blog:

Twino – People

Twino - Armands Broks
Twino – Armands Broks

Armands Broks – Founder

As the company’s owner and founder, Armands drives Group’s long-term strategy as well as works on new business direction development. Armands has extensive expertise in strategic planning, launching new markets and products, and remarkable leadership skills. Possesses a global business mindset and perception of opportunities.

Armands holds an MBA from Stockholm School of Economics in Riga and he has been a private business owner for over 10 years.

“Challenging myself to step out of my comfort zone – is my inspiration.”

Twino - Anastasija Oļeiņika
Twino – Anastasija Oļeiņika

Anastasija Oļeiņika – CEO

As CEO, Anastasija drives the overall success of the business by executing the strategy and increasing shareholder value. Her previous experience in the TWINO Group as CFO for three years and COO for one year has provided her with a thorough knowledge of Group processes and financial indicators, which in turn allows her to guide the company best.

Prior to TWINO, Anastasija worked in corporate finance and as a team lead in financial planning and analysis in a fintech. She gained valuable experience through coordinating the Group’s annual budgeting and monthly forecasting processes spanning 16 countries and more than 30 products. Anastasija holds a Bachelor’s degree in finance and economics from the Stockholm School of Economics in Riga.

“At TWINO we ask what we can bring to future, not what the future can bring to us. We are action-oriented – speed matters in our industry, it matters in our company.”

Investors rating

Twino – Experience and Investors Ratings

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Reviews, links

Twino – Reviews and Other Links

Other sources articles:

Did you know?

Twino – Did you know?


Twino – Downloads


Twino – Bonus

Twino offers 1% cashback to new investors for their invested deposits during 60 days after their registration. To receive the bonus the registration through the link below is sufficient.

By registering through the link below, you will also support this project.

If you want to learn about active bonus campaigns or just to check if there is no better offer at the moment, write to us and we will be happy to to get back to you.

Twino – Alternatives

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This page was last updated on 05/2021.

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