Minimum investment amount on Maclear: how much do you need to start?

The minimum deposit and investment amount on Maclear is €50. This applies to the primary market. On the Secondary Market, the minimum is €30 — you purchase existing positions from other investors, often at a discount to the original price.

Why is the minimum investment €50?

The €50 threshold reflects the balance between transaction costs and meaningful diversification. Below this amount, the administrative cost of processing a loan claim and distributing repayments would outweigh the investment benefit. Starting at €50 also allows investors to spread capital across multiple projects — a key principle of managing risk in crowdlending.

What happens if my balance drops below €50?

You can hold any amount in your Maclear account — there is no minimum balance requirement. However, to place a new investment on the primary market, your available balance must cover at least €50.

How far can €50 take you?

With €50 you can invest in a single project and start earning fixed monthly interest immediately after the project reaches Funded status. With €500, you can spread across ten projects simultaneously — which is also the threshold for Maclear's Loyalty Bonus program.

Risk disclosure: Crowdlending involves risk, including the possible loss of capital. Past performance is not a guarantee of future returns. Invest only what you can afford to lose.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.