Bankera Loans: Competitive pro crypto lending platform

Key highlights: 

  • A crypto lending platform offering minimum credit lines of 25 EUR with low interest rates
  • Supports a wide variety of cryptocurrencies and runs a referral program
  • No hidden fees with an APR that starts at 6.95%

Bankera Loans review

Bankera Loans is a crypto lending platform that allows individual users, businesses, and investment funds to benefit from its services. Bankera Loans has an extremely low minimum credit line of 25 EUR, which means that everyone is able to get a loan if needed. 

Bankera Loans was developed and created by the team behind SpectroCoin, a cryptocurrency wallet and brokerage platform. The lending platform supports a wide variety of cryptos like Bitcoin BTC, 0.14%, Ethereum ETH, 1.94% and Dash DASH, 1.71% as well as stablecoins like Tether USDT, 0.03% and fiat currency EUR. 

The Pros of Bankera Loans:

  • Really competitive rates and low minimum credit line starting at 25 EUR
  • Offers a Loan-to-Value ratio up to 75% 
  • Safe and reliable with more than 6 years of experience

The Cons of Bankera Loans:

  • Custodian is from the same company
  • It does not offer its services to US clients

Bankera Loans features review

Bankera Loans is one of the few crypto lending platforms that allow users to take micro-loans in Euro. The lending platform offers support for a variety of cryptocurrencies and a high LTV ratio of up to 75%. Users are also given the opportunity to extend the maturity date if they need to and, since payments are flexible, users can start paying basically whenever they want.

Supported currencies

Bankera Loans allows customers to withdraw fiat in the form of Euros and crypto in the form of their own token Bankera, as well as Tether, Bitcoin, Ethereum, NEM and Dash. When it comes to collateral, Bankera only supports the last 4 cryptos mentioned.

Competitive interest rates and low fees

The platform offers really competitive interest rates and credit line rates with no hidden fees. The lowest APR (Annual Percentage Rate) starts at 6.95% and goes up to 16.95% with a higher LTV. 

As stated above, there are no hidden or additional fees but users will need to pay a withdrawal fee.

BNK token and its benefits

BNK is the native token of Bankera, and it is an ERC-223 token that provides users with plenty of benefits. Although BNK tokens cannot be used as collateral, users can repay a credit or pay interest by using the BNK tokens.

Users pay lower interest rates whenever they are using BNK as the currency for interest payments. Additionally, BNK token holders are entitled to commissions from Bankera and SpectroCoin.

Referral program

Bankera Loans has recently launched a referral program that allows its clients to earn 10% from the loan fees that their referred users pay on the platform. The program is available for Bankera Loans users around the world and can be promoted through various means of communication, such as social media websites, videos, and blogs.


Bankera Loans uses SpectroCoin as its custodian. SpectroCoin is part of the Bankera’s ecosystem and stores most assets in secure offline storage. The lending platform has implemented top-notch security measures like advanced authentication methods and other safety tools used on SpectroCoin for the past 6 years.

Bankera Loans competition

Although it’s fairly new, the crypto lending market has grown substantially over the past few years. There are definitely a lot of competitors out there, most notably SALT Lending, Nexo and BlockFi. 

Bankera Loans is unique due to its low minimum, and it’s the only platform in the market to offer a minimum of only €25. 

Bankera Loans review verdict

The team behind Bankera Loans is a professional and experienced team with over 6 years of experience in the crypto market and other related fields. Powered by Bankera and SpectroCoin, Bankera Loans is quickly becoming one of the most popular and reliable crypto lending platforms. 

The minimum credit of €25 and high Loan-to-Value ratios offered on the platform are extremely attractive to everyday users.