Updated October 21, 2026 · SumCue Editorial Team
Afranga vs EstateGuru
Afranga
Higher score in this comparison
EstateGuru
Afranga vs EstateGuru: the differences
| Compare | AfrangaReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 8% to 10%Higher | 7% |
| Minimum deposit | €10Lower | €100 |
| Deposit protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | EU DGS up to EUR 100,000 |
| Access terms | Early withdrawal of up to 30% of the SaveSmart investment, max EUR 5,000, 1% fee | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Term | 3 to 12 months | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Regulators | Financial Supervision Commission of Bulgaria | Not confirmed |
Same on both: Rate type (Fixed), Account kind (Fixed).
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Key differences
- Founded is lower at EstateGuru: 2013 to 2014 vs 2021.
- EstateGuru is licensed in 2 more countries.
- Minimum deposit is lower at Afranga: €10 vs €100.
- Headline rate is higher at Afranga: 8% to 10% vs 7%.
- Support channels: only EstateGuru offers Chat.
- Pricing model: only Afranga offers Low fees.
- Pricing model: only EstateGuru offers Fixed rate.
Our verdict on each
Afranga
Afranga is a peer-to-peer lending platform, and its SaveSmart product suits beginners who want a fixed target return over a short term, with an account fee of €0 and a minimum investment of €10. The money funds loans rather than sitting in a deposit, so it is outside every deposit guarantee scheme and investor compensation...
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Score breakdown
| Area | Afranga | EstateGuru |
|---|---|---|
| Cost | 9.0HigherFree deposits and withdrawals, plus an entry point of €10, keep the cost side simple for a saver. | 8.3 |
| Offer | 9.3Headline rate of 8% to 10% at a fixed rate over 3 to 12 months, against a site median headline rate of 3%. | 9.8Higher |
| Trust | 8.3A named company trading since 2021 under Resolution 863/12.09.2023, with no protection scheme behind the funds. | 8.6Higher |
Which one suits you
Pick Afranga if cost, headline rate, and minimum deposit matter most.
Pick EstateGuru if offer and trust matter most.
Where these facts come from
Afranga
- afranga.com: 14 facts, checked October 1, 2026
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
How they place
| Ranking | Afranga | EstateGuru |
|---|---|---|
| Savings | 39 of 1492 | 37 of 1492 |
| Fixed-rate bonds and term deposits | 5 of 199 | 4 of 199 |
Every fact side by side
| Fact | Afranga | EstateGuru |
|---|---|---|
| Pricing model | Low fees | Fixed rate |
| Legal entity | Afranga EOOD | Estateguru OU |
| Headquarters | Bulgaria | Estonia |
| Founded | 2021 | 2013 to 2014Lower |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | Afranga | EstateGuru |
|---|---|---|
| Initial rate | Not confirmed | 7.2% |
| Fixed period | Not confirmed | 3 years |
| Maximum loan to value | Not confirmed | 75% |
Where each stands against the rest
| Fact | Afranga | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 8% to 10%highest quarter | 7%highest quarter | 3.3 |
| Term | 3 to 12 monthslowest quarter | Not confirmed | 60 |
| Minimum deposit | €10above the median | €100highest quarter | €1 |
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 710 listed providers.
Pros and cons
Afranga
Pros
- Support runs on email, phone and help centre, so a phone line sits alongside written replies and a help centre.
- The service is aimed at beginners, and the money goes into a single fixed account rather than a mixed pot.
- Afranga runs on a low fees model, which keeps the pricing short instead of tiered.
Cons
- Protection is thin: deposit protection and investor protection are both absent, so neither a deposit guarantee scheme nor an investor compensation scheme stands behind the balance if Afranga fails.
- Access terms cut both ways, since early withdrawal reaches only part of the investment, capped at a ceiling, with a percentage fee on the amount taken.
- The term runs 3 to 12 months, shorter than a site median term of 36, so the fixed return is tied up for a brief window.
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
Who each suits
Afranga
Who it suits
- Beginners placing a first sum somewhere, since the service is aimed at beginners.
- Savers who can commit for a term of 3 to 12 months and want the return set at the start.
- Anyone comfortable holding the balance themselves, with no deposit guarantee scheme or investor compensation scheme behind it.
Who should look elsewhere
- Savers who want the smallest possible start, since XTB takes a minimum deposit of €0.
- Anyone comparing entry cost across platforms, with Bitpanda taking a minimum deposit of €1 and Afranga asking €10.
- Savers who want a guaranteed payout behind the balance: no deposit guarantee scheme or investor compensation scheme covers the money here.
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
Questions about each
Afranga
What rate does Afranga pay on SaveSmart?+
The headline rate is 8% to 10% a year, and the rate type is fixed, so the return is set when the account opens rather than following the market. For scale, the median headline rate across the site is 3%. The money goes into a single fixed account.
How long do I have to leave my money in?+
The term is 3 to 12 months, which is short next to a site median term of 36. Because the account kind is fixed and the rate is fixed, both the return and the dates are fixed at the start, which suits people who can treat the sum as set aside.
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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