6d 12h 50m
New year, new goals!
Get up to 2% cashback
Start your investing journey with TWINO. Earn up to 12% annual returns from asset-backed securities and receive an extra cashback of up to 2% as a new client.
A regulated environment for your investments
TWINO operates as a licensed investment firm in accordance with applicable regulatory requirements and supervision standards.
License No. 27-55/2025/7. Supervised by the central bank of Latvia.
How does the cashback work?
Additional bonus to your investments
Create your TWINO account and activate the campaign in Profile → Campaigns during the campaign period.
From the day your account is created, you have up to 90 days to invest in Primary Market loans that qualify for cashback.
You earn cashback based on loan maturity: 2% cashback for 12 month securities 1% cashback for 6 month securities 0.5% cashback for 3 month securities
You can track your forecast bonus under Profile → Campaigns → Payout Info Cashback is calculated and paid automatically. Maximum total cashback per investor: €1,000
What if you start today and stay consistent?
It’s not about finding the perfect moment, but about investing consistently. Adjust the values below to see how regular investing over time may affect your results.
When you invest with TWINO, you are investing in asset-backed securities (ABS) linked to loans issued by Netcredit, a Polish financial services provider active since 2011.
Netcredit is an established consumer finance business, offering credit solutions such as credit cards with flexible limits used by customers for everyday payments, both online and in physical stores. Over the years, the company has expanded its product offering and continues to grow its loan portfolio within a regulated European environment.
The returns you earn on TWINO come from repayments made by Netcredit’s customers. These loan repayments flow through the asset-backed structure and are distributed to investors according to the investment terms.
Netcredit Net Portfolio over the years
2025
2024
2023
2022
2021
15+ years on the market
Reliable lending business with a proven track record in Poland.
Up to 12% interest rate
Fixed returns on investments backed by Netcredit loans.
Regulated
Operating under a National Payment Institution licence in Poland. Licence number: IP62/2024.
Frequently asked questions
Everything you need to know about investing with TWINO.