LANDE review
Updated October 1, 2026 · SumCue Editorial Team · Facts checked October 1, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
LANDE suits investors who want to fund loans without paying the platform a thing, and who accept that what comes back depends on the borrowers repaying. Its account fee is €0 and its oversight comes from a named authority at home, so the running cost is plain and the lender answers to a regulator.
Key facts
- Best for
- Funders who want no platform charge and a small way into individual loans.
- Minimum deposit
- €50↗
- Account fee
- €0↗
- Regulators
- Bank of Latvia↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Headquarters
- Latvia↗
- Pricing model
- Commission-free
- Audience
- Beginners, Experienced traders
- Official website
- lande.finance
Facts checked October 1, 2026, 1 source
Pros and cons
Pros
- The account fee is €0, and LANDE states that it does not charge hidden fees to investors.
- A loan can be funded from €50, which keeps the platform open to a reader holding a modest sum.
- LANDE states that it earns through service fees on the borrower side, so investors are not billed by the platform.
- The lender operates under a supervisory licence in its home market of Latvia, so a named authority oversees it.
Cons
- Each commitment is a single loan to a single borrower, so a missed repayment lands on the balance rather than being absorbed, and the entry figure of €50 keeps exposures small without making them safe.
- The lender's licence sits in Latvia and the entry figure of €50 is quoted in euros, so a UK reader carries a currency swing on top of the borrower risk.
- An account fee of €0 says nothing about what an individual borrower will repay, and LANDE's income comes from the borrower side rather than the investor.
Who it suits
- Investors who want to fund loans without a platform charge: the account fee is €0.
- Readers comfortable researching individual loans before they commit money, at an entry figure of €50.
- Readers who prefer a lender overseen by an authority in its home market, which for LANDE is Latvia.
Who should look elsewhere
- Anyone after a guaranteed return, because on LANDE the money funds loans and repayments depend on the borrowers.
- Investors who want to stay in sterling, since the entry figure of €50 is quoted in euros.
- Readers who want a broad range of assets rather than per-loan lending may prefer to weigh XTB alongside it.
Deposit protection
LANDE is supervised by the Bank of Latvia, the authority named in its licence. Supervision covers how the lender is run: its systems, its conduct and the loans it offers investors. It does not promise a repayment. What you hold is a claim on loans made to borrowers, so a shortfall on one of those loans is a loss carried by you rather than a matter for a depositor scheme. Readers wanting a named scheme behind a missed repayment should put that question to the platform before they commit money.
How it compares on our data
Two things usually decide a lending comparison: what it takes to get in, and what a provider keeps while you hold. Read the entry figure next to the account fee on the same row, then check whether the currency matches your own, because a small entry figure in a foreign currency flatters the cost side. What a table cannot settle is the exposure sitting on the loans themselves, so read the protection question before the fees.
Fees and FX
The cost side is short. Entry is priced per loan, so a first commitment can be as little as €50 and each further loan adds a step of that size to the total. Both figures are quoted in euros, so a reader holding sterling should check the rate applied on the way in and the way out.
The company behind it
LANDE is based in Latvia and describes itself as EU-regulated, which places the lender inside a European supervisory structure rather than a UK one. It answers to the authority named in its licence, so a reader who wants a starting point on its standing has one. Because the lender works in another market, the practical questions for a UK reader are currency, eligibility and how money moves in and out.
How LANDE compares
8.7 vs 9.4
8.7 vs 8.3
8.7 vs 9.0
8.7 vs 8.5
LANDE vs ActivTrades8.7 vs 9.4Readers who put weight on holding investments without a platform charge, which is the position LANDE takes with an account fee of €0, may want to weigh ActivTrades.
8.7 vs 9.3Money committed on LANDE funds loans to borrowers, so readers who want their own choice across a wider set of assets may prefer to weigh XTB.
8.7 vs 8.7
8.7 vs 9.2
8.7 vs 8.7
LANDE vs UNest8.7 vs 8.6
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.0
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.8
Where LANDE is available
- Licence in Latvia
- Bank of Latvia, checked October 1, 2026
Frequently asked questions
Who regulates LANDE?+
LANDE is supervised by the Bank of Latvia, the authority named in its licence for its home market of Latvia. The platform describes itself as EU-regulated, so it answers to a regulator inside a European structure. Supervision covers how the lender is run rather than what a borrower will repay.
How much do I need to start with LANDE?+
A loan can be funded from €50, and entry is priced per loan rather than as a package. That makes the first commitment a small one for a reader who wants to test the platform. Both the entry figure and the account fee of €0 are quoted in euros, so a sterling balance converts before it reaches the lender.
Is LANDE for beginners as well as experienced investors?+
LANDE presents its loans as accessible to beginners and experienced investors alike, with entries from €50. The trade is that the money funds loans made to borrowers, so what comes back depends on those borrowers paying. That suits a reader willing to research individual loans rather than one who wants a return fixed by an institution.
Is my money protected at LANDE?+
The lender operates from Latvia. What you hold is a claim on loans made to borrowers rather than cash in an account, and a borrower who does not pay leaves a gap for you to carry. What, if anything, would stand behind that gap is a question the platform has to answer, and a supervisory record does not answer it.
Can I use LANDE from the UK?+
The lender is based in Latvia and describes itself as EU-regulated, so UK readers would be funding euros rather than sterling. Conversion is part of the cost picture, and the entry figure of €50 is quoted in euros as well. Identity checks and eligibility for UK residents are worth settling with the platform before any money moves.
What are the main risks with LANDE?+
The first is repayment: money on the platform funds loans, so a borrower who pays late or not at all leaves your balance short. The second is currency, since the entry figure of €50 and the account fee of €0 are quoted in euros. A third is concentration, as each commitment sits with a single borrower.
How does LANDE make money?+
LANDE states that it earns through service fees on the borrower side, which keeps the terms shown to investors short. The investor's account fee is €0 and the platform charges nothing extra to investors. Its income does not come from investors, so what you are paid back depends on the borrowers repaying.
Sources
- lande.finance checked October 1, 2026
Backs: Account fee, Audience, Headquarters, Investor protection, Minimum deposit, Pricing model, Regulators, Licences
“Are there hidden fees for investors? No. LANDE does not charge hidden fees to investors.”
Compiled from 1 source page, checked October 1, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Inactivity fee, Markets, Retail accounts that lose money.