Debitum Loyalty program allows investors to earn even more from their investments. Investors can move up through four tiers and expand their rewards in two ways:
by increasing outstanding investment;
by inviting friends to join and invest, helping them grow their passive income.
Our program offers an accessible way for investors to maximise their returns, as it provides two different paths to progress through the tiers.
Loyalty boost
A tier can give an extra % on top of the base interest rate.
The boost usually applies only to the eligible part of your investments (e.g., the amount above a defined threshold), not necessarily to your whole portfolio.
Applied automatically; paid together with regular interest.
Example Application Scenarios
Before Upgrading Tier: If you invest while at the Pro tier, you will receive the 1% loyalty boost (as applicable for the Pro tier) for the entire lifecycle of that investment.
After Upgrading Tier: If you attain the Elite tier and then make a new investment, you will earn the loyalty boost rate associated with the Elite tier, such as 2%.
Timing Rules for Loyalty Boost Application
The bonus rate applied to an investment is determined by your tier at the time the investment is made. For instance:
If you make an investment while at the Pro tier, it will receive the Pro bonus rate, even if that investment contributes to achieving the Elite tier.
Investments made after attaining the Elite tier will earn the Elite bonus rate.
An investment's loyalty boost remains fixed according to your tier at the time of purchase, regardless of future tier advancements.
Quarterly bonus
Eligible investors receive a bonus paid once per quarter.
Applies to new net deposits after reaching the tier.
Credited to your Debitum balance; you can reinvest or withdraw it like normal funds.
Referral
Share your referral link from your account.
When your invited user registers via your link and completes a qualifying first investment, both of you receive €20.
The bonus is credited to your Debitum balance and can be tracked in My Balance.
Where to check
Your current tier and benefits are shown in your Debitum account dashboard.