We love investments, and we adore the holidays. Christmas brings an extra bonus from Fagura for investors who put their money „to work” on the platform during the winter holidays. For any net invested amount greater than a minimum of €1 000 (one thousand) and a maximum of €100 000 (one hundred thousand) Euro, you will receive a +2% bonus in your account at the end of the period. The campaign is conducted by Fagura and is addressed to investors on the Fagura.ro platform, aiming for a reward for their contribution to the financing of listed loans.
1. Campaign Period
The campaign period is between November 17, 2025 (00:00 EET) and January 16, 2026 (23:59 EET).
2. Eligible Participants
- Both existing and new investors (natural or legal persons) who have an active investor account on Fagura.ro and have completed the KYC (Know Your Customer) verification stage can participate.
- Participants must make a Total Net Investment (calculated using the specific formula below) between €1 000 and €100 000 in the listed loans.
- Eligible investments include Manual Invest, Auto-Invest, and Secondary Market purchases.
3. Participation Conditions
- The campaign is conducted online and does not take into account the country of residence of the participating persons.
- Net Investment: Only the net investment value in EURO will be taken into account for the bonus calculation. The net investment is calculated strictly by the formula:
Net Investment = MIN (Amount Top-upped to the account, Amount Invested) – Amount Withdrawn during the campaign period.
The net value must be a minimum of €1 000 and a maximum of €100 000. - Fagura associates and employees (Fagura OU, OCN Fagura Marketplace SRL, Fagura Finance SRL, and FaguraLab SRL), as well as their first-degree relatives, are not eligible to participate.
4. Prizes and Rewards
2% Bonus
Any investor on Fagura.ro who achieves a cumulative net investment between €1 000 and €100 000 will receive a 2% bonus on the net invested amount at the end of the campaign.
The bonus will be credited to the Fagura.ro investor account within 15 working days from the campaign end date.
Bonus Calculation Example (2%)
Formula: {Net Investment} = {MIN(Amount Funded, Amount Invested)} – {Amount Withdrawn}
Scenario 1 – Investor invests more than they fund (reinvestments from repayments):
- Amount Funded: €10 000
- Total Investments: €12 000 (includes repayments and reinvestments)
- Withdrawals: €0
- Net Investment = MIN(10.000, 12.000) – 0 = 10 000 €
- Bonus = 10 000 × 2% = 200 €
Example 2 – Investor does not invest the entire funded amount
- Amount Funded: €10 000
- Total Amount Invested: €8 000
- Withdrawals: €0
- Net Investment = MIN(10.000, 8.000) – 0 = 8 000€
- Bonus = 8 000 × 2% = 160€
Example 3 – Investor withdraws more than they invested
- Amount Funded: €10 000
- Total Amount Invested: €10 000
- Withdrawals: €11 000
- Net Investment = (10 000, 10 000) – 11 000 = –1 000 → 0 €
- Bonus = 0 × 2% = 0 €
Scenario 4 – Investor exceeds the maximum ceiling of €100,000
- Amount Funded: €150 000
- Total Amount Invested: €160 000
- Withdrawals: €0
- Net Investment = MIN (150 000€, 160 000€) – 0€
- Net Investment = 150 000€
- However, according to the Rules, the maximum eligible amount for the bonus is €100 000.
- Therefore:Bonus Calculation: (100 000€ × 2%) = 2 000€
Example of net bonus calculation, after tax withholding:
- Gross Bonus: €100
- Tax Withheld at Source (12%): 100 € × 12% = 12 €
- Net Bonus Paid to Investor: 100 € − 12 € = 88 €
5. Other Provisions
- This campaign cannot be combined with other active campaigns on Fagura.ro.
- If the investor is also active on Fagura.com, they can benefit from the specific campaigns on each platform independently, with tax withheld at the source according to the legislation for income received from promotional campaigns.
- The bonus value calculated in Section 4 is a gross amount. Fagura reserves the right to act as the income payer and to withhold at the source any income tax and/or mandatory contribution due, according to the applicable tax legislation, before crediting the net amount to the investor’s account. The amount effectively credited to the investor’s account will represent the net value, after the deduction of all tax withholdings.
- All costs (e.g., income tax) related to this income are the responsibility of the winner (natural or legal person).