Indemo is a trustworthy investing platform, which is a good enhancement for a diversified investment portfolio. I like the idea of being invested in bricks and mortar, which keep their value, even if... See more
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Review summary
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The platform is ok and intuitive enough, however I really miss not having some kind of forecast with dates. The stage lines are useful to see overall progress, but many months go by with absolutely no... See more
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P2P Crowdlending in Spanish real estate debt is not common in the P2P world, hence my interest to diversify my portfolio (even though the site itself is centered only on the Spanish market)... See more
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Great opportunity to diversify your portfolio. Onboarding process is smooth and straight forward. However, comprehension of the product (i.e. DDIs) takes some time. It's somewhat tedious to go through... See more
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Company details
Written by the company
Discover investment products usually reserved for high-net-worth individuals and institutional investors. With Indemo, now available to you.
Contact info
Skanstes iela 50, LV-1013, Rīga , Latvia
- support@indemo.eu
- indemo.eu
4.0
Great
222 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
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I deposited funds and can’t withdraw them
I deposited funds, now I want to withdraw them but it says my bank account is not verified and nobody helps me.
20 August 2026
Unprompted review
Reply from Indemo
Thank you for your feedback. We’re sorry for the frustration this caused. This was an unusual technical issue affecting the bank account verification process, and our team has been in active communication with you to resolve it. The issue has now been fixed, and we’re glad we could help move the withdrawal process forward.
Warning: INDEMO will block your money !
Warning: INDEMO will block your money !
At first, everything went well. But then they started asking me for proof of the origin of the funds I was investing. I sned them my official tax returns for the previous 3 years.
Even though these documents are issued by the French government and have a QR code that allows them to verify their authenticity, they continued to ask me for additional documents. They blocked my INDEMO account without any prior warning! They held my money hostage to try to extract very personal information from me, such as my CV.
In my life as an investor, I've invested on more than 50 different platforms, and none of them had ever blocked my money or tried to extort personal information from me by this vad way.
So INDEMO is certainly the worst investment platform in existence. As you can see from other TRUSTPILOT reviews, INDEMO has outrageous practices. Don't invest large sums on INDEMO if you don't want INDEMO holding your money hostage. Furthermore, their verification team is very poorly trained, completely lacking in politeness, and has a profound ignorance of actual practices in the field.
9 July 2026
Unprompted review
Reply from Indemo
Thank you, Bruno, for sharing your feedback. We’re sorry to hear how frustrating this process has been and we understand why it affected your trust in the platform.
Indemo is a regulated investment firm licensed and supervised by Latvijas Banka, the Central Bank of Latvia. This means we are required to follow strict AML/CFT and source-of-funds requirements, which can include asking for additional documentation even when official tax documents have already been provided. In certain cases, supporting information such as employment or professional background may also be requested where it is relevant to completing the required review.
We also want to clarify that these requests are not made arbitrarily and are not intended to obtain information beyond what is required for compliance purposes. When additional documentation is needed, our support team makes first contact to explain what is required and sends periodic reminders ahead of any required account action. We remain available throughout the process to provide guidance and, where possible, escalate the case for further review.
We understand that these requirements can feel intrusive, especially when compared with platforms operating under different regulatory frameworks or risk policies. However, as a regulated investment firm, we can only assist within the boundaries of the legal and compliance obligations that apply to us.
We also take your comments about the tone and quality of communication seriously. Even where the requirements themselves cannot be waived, they should always be explained clearly, professionally, and respectfully. Thank you for raising this feedback.
I think the yeld is good but the time…
I think the yeld is good but the time of investment is very long because spanish juatice is very slow much as our own here in Portugal. I also like the cashback stimulus to invest. Thank you.
3 August 2026
Unprompted review
Reply from Indemo
Thank you, Antônio, for your review and for sharing your perspective.
We’re glad you find the returns attractive and value our cashback campaigns. You are also right that recovery timelines can be long, particularly when a case progresses through the Spanish legal system.
At the same time, legal proceedings are only one of the possible recovery routes. Opportunities can also reach an exit through out-of-court settlements or a sale on the debt secondary market, which can result in very different timelines.
We appreciate your patience, understanding of the product, and trust in Indemo.
Good platform with room for improvement
My overall experience with Indemo has been positive. The platform is easy to use, investments are straightforward, and repayments have been made as expected.
One improvement would be to provide a clearer breakdown of repayments directly on the platform, showing principal, interest, bonuses, and any withholding taxes. This would make it easier for investors to understand the amounts received without contacting support.
I would also appreciate faster response times from customer support, as some inquiries can take several weeks and require follow-up.
Overall, I am satisfied with my experience and would recommend Indemo.
4 August 2026
Unprompted review
Reply from Indemo
Thank you for the detailed and balanced review. We’re glad to hear your overall experience has been positive and that the platform, investment process, and repayments have met your expectations.
Regarding repayment details, you can already find repayment information in the Assets section of your portfolio. For a more granular breakdown, including individual transaction details, the Statement provides a more detailed view. We appreciate your point that this information could be made even easier to interpret directly from the main portfolio view, and we will pass that feedback on to our product team.
We also appreciate your comments on support response times. We understand how frustrating it can be when an enquiry takes longer than expected or requires follow-up, and we are continuing to improve both response times and the clarity of our communication.
Thank you for your recommendation and for helping us identify where we can make the investor experience even better.
Terrible support
I have sent 4-5 emails to support about missing cashback and only received 1-2 promises "we will come back to you asap". They do not solve the problems
4 August 2026
Unprompted review
Reply from Indemo
Thank you, Vilius, for your feedback. We’re sorry to hear that the cashback issue has taken longer to resolve than expected.
We understand that receiving repeated acknowledgements without a clear resolution is frustrating. Cashback cases can sometimes require additional internal checks before they can be finalized, but we agree that communication during that process should be clearer and more conclusive.
Your case is already known to our support team, and we appreciate your patience while it is being reviewed. We also take your feedback on response quality seriously and are working to make sure investors receive clearer updates when an issue requires more than one internal step to resolve.
Reply from Indemo
Thank you, Jurgis, for your review. We’re glad everything is working as expected and appreciate your trust in Indemo.
Still a happy Indemo investor.
Still a happy Indemo investor.
It does exactly what it promises. The investements pay out 15% to 25% but it can take a while (anything from a few months up to multiple years). In the 1.5years that I have been investing with Indemo roughly 1 out of 4 investements has paid back with an average return of 17.5%. Just be patient and don't expect results overnight.
31 July 2026
Unprompted review
Reply from Indemo
Thank you, Luke, for your thoughtful review and for sharing your experience after 1.5 years with Indemo.
We’re glad to hear that the platform has delivered in line with your expectations and that a meaningful share of your investments has already reached repayment with attractive returns.
Your point on patience is an important one. Discounted, mortgage-backed debt is a long-term investment product, and different opportunities can reach their exit at very different times.
We appreciate your trust, your realistic perspective, and your continued support.
P2P Crowdlending in Spanish real estate debt made simple
P2P Crowdlending in Spanish real estate debt is not common in the P2P world, hence my interest to diversify my portfolio (even though the site itself is centered only on the Spanish market).
I removed 1* because :
The KYC process is painful and intrusive (vs other platforms) - Indemo could maybe find ways to improve this.
The 2nd market isn't up and running yet, which makes your investment pretty illiquid (like many other types of investment such as Private Equity, long debt loans etc).
Once it will be I would put 5*.
GUI is clear.
Interesting Promo/cashback operation in July, it's a good incentive to join but should not be the reason why you join.
The debts you can invest in are well explained, backed by detailed documentation, and with usually good PTV (Price to value) ratios ie the discounted price Indemo obtained buying the debt from a Spanish bank, versus the evaluated worth on the real estate being in default that will be auctioned. Ranges from ~50 to 73% from what I've seen up to now (lowest is best).
Happy investing to All :-)
6 July 2026
Unprompted review
Reply from Indemo
Thank you, Stéphane, for such a detailed and balanced review.
We’re glad you value Indemo as a way to diversify into Spanish real estate-backed debt, and that you find the platform clear, the documentation detailed, and the PTV structure useful when assessing opportunities.
We also appreciate your feedback on KYC. Indemo is not simply licensed to operate an investment platform. We are a regulated investment firm licensed and supervised by Latvijas Banka, the Central Bank of Latvia. This comes with extensive AML/CFT, investor protection, and compliance obligations, which can make our onboarding requirements more comprehensive than those of some other investment platforms. We understand the process can sometimes feel demanding, and we continue working to make it as clear and efficient as possible without compromising the regulatory standards we are required to follow.
Your point on the secondary market is also very relevant. It is one of our main product priorities this year. We have published a roadmap outlining the product updates leading up to its launch, and we are already well advanced in that process, with most of the planned milestones delivered in line with their target timelines.
Thank you as well for your perspective on cashback. We agree that it can be a useful incentive, but the underlying product, risk profile, and long-term investment case should always remain the main reasons for investing.
We appreciate your trust and the time you took to explain your experience so thoroughly.
automatic investment
I don't like your automatic investment, I've tried to top up several times but it hasn't worked out for me, so I'm disappointed.
3 November 2025
Unprompted review
Reply from Indemo
Thank you, Mindaugas, for your review. We’re sorry to hear that the automatic investment experience has been disappointing.
Autoinvest depends on the selected criteria, available opportunities, account balance, and investment limits. If no available debt matches the chosen settings, the funds may remain uninvested until a suitable opportunity becomes available.
We appreciate your feedback and will continue improving both the functionality and the clarity of how Autoinvest works so investors can understand why an investment has or has not been placed. Feel free to reach out to support or consult our dedicated Autoinvest blog for help.
Very satisfied with the seriousness of…
Very satisfied with the seriousness of this platform. I recommend it, having been able to test all the phases of a project: from investment to repayment.
3 July 2026
Unprompted review
Reply from Indemo
Thank you, Paul, for your review and recommendation. We’re glad you have been able to experience the full investment journey, from the initial investment through to repayment, and that the platform has met your expectations throughout.
We appreciate your trust in Indemo.
Excellent platform
Excellent platform, différent asset class than rest of p2p crowdlending , fantastic comunication, sleek website . A gemm for satélite investment
1 July 2026
Unprompted review
Reply from Indemo
Thank you, Alex, for your review. We’re glad you value Indemo as a distinctive asset class within the broader P2P and crowdlending market.
It is also great to hear that you appreciate our communication and the design of the platform. We’re pleased that Indemo has earned a place in your portfolio as a complementary investment.
We appreciate your trust and recommendation.
It‘s Perfect
All I have to say is, it works day for day, month for month and year for year. It‘s super all i have to do is sent Money to my Account.
2 July 2026
Unprompted review
Reply from Indemo
Thank you, Sven, for your review. We’re glad to hear that Indemo has worked consistently for you over time and that funding your account has been simple and straightforward.
We appreciate your trust and continued support.
Everything come back as it was promised…
Everything come back as it was promised with all cash back and interest 👍 I'm very happy with that ;)
2 July 2026
Unprompted review
Reply from Indemo
Thank you for your review. We’re delighted to hear that your investments, cashback, and returns have all been received as expected.
We appreciate your trust and are glad you are happy with your experience on Indemo.
More than a year with Indemo
More than a year with Indemo, have some projects finished already. The return as advertised (even slightly more).
2 July 2026
Unprompted review
Reply from Indemo
Thank you, Robertas, for your review and for sharing your experience after more than a year with Indemo.
We’re glad to hear that several of your investments have already reached repayment and that the returns met, and even slightly exceeded, your expectations.
We appreciate your trust and continued support.
Great product
Discounted debts is a great product to be in real estate with a greater safety margin. Everything is working as stated for few years already.
2 July 2026
Unprompted review
Reply from Indemo
Thank you, Jurate, for your review. We’re glad you value discounted debt as a way to gain real estate exposure with an additional margin of safety.
It is also great to hear that the product and platform have been working as expected for you over the past few years. We appreciate your trust and continued support.
It takes a while to get profits from…
It takes a while to get profits from investments but in general, investing is a long term journey. So, during 2 years, things are working very well in this platform!
2 July 2026
Unprompted review
Reply from Indemo
Thank you, Deividas, for your review and for sharing your experience after two years with Indemo.
We’re glad to hear the platform has been working well for you. You are right that discounted, mortgage-backed debt investing is a long-term journey, and patience is an important part of the process.
We appreciate your trust and continued support.
Not enough debts availabled
Perfect experience inside the platform. And transfer are really instantly received.
But not enough debts availabled.
17 June 2026
Unprompted review
Reply from Indemo
Thank you, Laurent, for your review. We’re glad to hear you’ve had a positive experience with the platform and that transfers have been processed instantly.
We also understand your point about the number of available debts. New opportunities depend on sourcing, due diligence, and whether they meet our investment criteria, so availability can vary over time. We prefer to maintain our selection standards rather than increase volume at the expense of quality.
Thank you for your feedback and your trust in Indemo.
Excelent!
Great results with great information trough the all process of investing.
7 June 2026
Unprompted review
Reply from Indemo
Thank you, José Pedro, for your review. We’re glad to hear you are happy with the results and find the information provided throughout the investment process clear and helpful.
We appreciate your trust in Indemo.
The application is easy to use and easy…
The application is easy to use and easy to understand. The test a so difficult to succeed and il want the french translation of the application
4 June 2026
Unprompted review
Reply from Indemo
Thank you for your review. We’re glad you find the application easy to use and understand.
We appreciate your feedback regarding the assessment and French-language support. The assessment is designed to confirm that investors understand the product and its risks before investing.
We have also recently started sending our newsletter in French and will continue working to make more of the Indemo experience accessible to French-speaking investors.
Good interest rates
3 June 2026
Unprompted review
Reply from Indemo
Thank you, Martin, for your review. We’re glad you find the interest rates attractive and appreciate your trust in Indemo.
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