BERGFÜRST review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BERGFÜRST is a German broker that also lends money to peers, so it suits investors who want shares and loans in a single app. Its account fee is €0, while the minimum deposit of €10 sits above €4.64, the figure for a typical brand ranked here.

Key facts

Best for
A single account for German brokerage and peer to peer lending with an account fee of €0.
Minimum deposit
€10 (Source, checked September 26, 2026)
Account fee
€0 (Source, checked September 26, 2026)
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), IHK Berlin / Vermittlerregister (Finanzanlagenvermittler nach 34f GewO) (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Legal entity
BERGFUERST AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2011 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
bergfuerst.com

P2P lending

Target return
10% (Source, checked September 26, 2026)
Minimum investment
€10 (Source, checked September 26, 2026)
Buyback guarantee
No (Source, checked September 26, 2026)
Secondary market
Yes (Source, checked September 26, 2026)
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), IHK Berlin / Vermittlerregister (Finanzanlagenvermittler nach 34f GewO) (Source, checked September 26, 2026)
Legal entity
BERGFUERST AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2011 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • A minimum investment of €10 lets you build a loan book in small steps, so you are not tied to one large outlay.
  • The lending side targets a return of 10%, and a secondary market is available if you decide to sell early.
  • Support runs on email, phone and help centre, so a phone call or an email reaches the firm, with a help centre for routine questions.

Cons

  • The buyback guarantee is no, so a loan cannot be handed back to the platform for repurchase if a borrower stops paying.
  • The minimum deposit of €10 ranks 111 out of 213 brands compared here, so more of your money sits still before you begin.
  • The firm is based in Germany and prices in euro, so a UK investor may add a currency step to moving money in and out.
BERGFÜRST

Ready to try BERGFÜRST?

Scored 9.2 / 10 by BrokerCue.

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Who it suits

  • Investors in Germany and the euro area who want a brokerage account and a lending platform in the same place.
  • Savers who can start at €10 per loan and add to the portfolio as money allows.
  • Anyone comfortable holding a loan to the end, since the buyback guarantee is no and the secondary market is the only early exit.

Who should look elsewhere

  • CFI, whose minimum deposit of $0 is below what BERGFÜRST asks for, if the smallest possible entry decides it.
  • Vantage, which asks for a minimum deposit of $5, if you want to start under the €10 needed here.
  • eToro, whose account fee of $0 matches, if you want a second cost read before taking on peer to peer loans.

Safety and regulation

The regulators recorded for BERGFÜRST are Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and IHK Berlin / Vermittlerregister (Finanzanlagenvermittler nach 34f GewO), which puts supervision in Germany. Its BaFin permission is 48448 and its entry in the IHK Berlin intermediary register is D-F-107-9DDG-20. Investor protection is stated as EU ICS up to EUR 20,000, so weigh that figure against the balance you plan to hold.

Where it sits among rivals

On account fees BERGFÜRST places 1 out of 138 brands compared here, which is the strongest part of its cost showing. Minimum deposit tells a softer story: it ranks 111 out of 213 on that measure, so the amount you need before you can start is the harder number to argue with.

How BERGFÜRST compares

Where BERGFÜRST is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) (48448), checked September 26, 2026
Licence in Germany
IHK Berlin / Vermittlerregister (Finanzanlagenvermittler nach 34f GewO) (D-F-107-9DDG-20), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold a BERGFÜRST account?+

The account fee is €0, so there is no yearly charge for keeping the account open. On that measure BERGFÜRST places 1 out of 138 brands compared here.

How much do I need to deposit to start?+

You need a minimum deposit of €10 to open the account, and that sits above €4.64, the figure for a typical brand in the ranking. The deposit is separate from what you put into each loan.

What is the smallest loan I can buy?+

Each loan starts at a minimum investment of €10, the same as the account minimum deposit. That small ticket lets you spread money across several borrowers instead of tying up a large sum in one.

What return do the loans target?+

The stated target return is 10%, and a secondary market is available, so you can sell a loan before it ends. Treat the target as an aim rather than a promise, and think about what happens if a borrower defaults.

Can I hand a loan back to BERGFÜRST?+

The buyback guarantee is no, so you cannot return a loan to the platform for repurchase if a borrower stops paying. The secondary market is the route out early, and a sale depends on another buyer being there at the time.

Who regulates BERGFÜRST and what protection applies?+

The firm is regulated in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and listed in the IHK Berlin intermediary register. Investor protection is stated as EU ICS up to EUR 20,000, so weigh that against the balance you plan to hold.

How do I reach support?+

Support runs on email, phone and help centre, so a phone call and an email both reach the firm, with a help centre for routine questions about loans or the account. Support matters most when a payment date is close.

Do most retail accounts on platforms like this lose money?+

Across the brands compared here, the share of retail accounts that lose money is 70.15%. That figure describes the wider market rather than BERGFÜRST alone, and it is a reminder that lending to peers carries real risk.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Stock trade fee, Inactivity fee, Markets, Retail accounts that lose money.

Related by the facts

BERGFÜRST

BERGFÜRST

A single account for German brokerage and peer to peer lending with an account fee of €0.

9.2/10See alternatives

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