Cashback explained: separate from interest, transparent, and ready to invest

Release update — 7 September 2026. The February cashback bands below are historical campaign examples, not the Progressive Interest rate ladder or an offer for every investment. Progressive campaigns incorporate eligible amount, tier and early-bird benefits in the signed annual rate. Legacy cashback and Investment Credit are separate benefits governed by their offer terms. Credit becomes spendable only after issuance following campaign funding and has an expiry. Bonus and credit balances are not directly withdrawable cash.

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Starting February, cashback is calculated cumulatively for eligible campaigns by combining: ✅ a timing bonus (Early Bird) + ✅ a volume bonus (based on how much you invest in that campaign). Simple rule: invest earlier + invest more = higher cashback.

How it’s calculated ⏱️ Early Bird: +1% cashback if you invest within the first 7 days after an eligible campaign launches.
💰 Volume bonus (February tiers, per campaign): based on the total amount invested in that specific campaign:

• ✅ +1% for €3,000+
• ✅ +2% for €10,000+
• ✅ +3% for €30,000+
• ✅ +4% for €75,000+
• ✅ +5% for €100,000+

📌 Total cashback = Early Bird + Volume bonus

Examples (if you invest in the first 7 days)

• €3,000 → 1% + 1% = 2% cashback (€60)
• €10,000 → 1% + 2% = 3% cashback (€300)
• €30,000 → 1% + 3% = 4% cashback (€1,200)
• €75,000 → 1% + 4% = 5% cashback (€3,750)

What cashback is

✨ Cashback is an extra benefit, separate from interest, that can improve the effective return:

• it’s added on top of interest
• it applies only to eligible campaigns (terms are shown at campaign level)
• it’s transparent and visible in your account
• it supports compounding because it returns as ready-to-invest funds

What cashback does NOT change

🚫 Cashback does not:

• replace the campaign’s interest
• affect the administration fee
• change the underlying fee or tax structure

When you receive it + quick FAQ

🧾 Cashback is calculated and allocated after fundraising ends (campaign closing).
💼 After allocation, it becomes ready-to-invest funds in the following month.

Does cashback stack with interest? ✅ Yes — it’s separate and added on top.
Does it apply to all investments? ❌ Only to eligible campaigns and only if conditions are met.
Can I withdraw cashback? ♻️ It’s allocated as ready-to-invest funds to encourage reinvestment.
Can terms change? 🔄 Yes — tiers may be adjusted (even monthly), but terms are always shown at campaign level.