Investujte chytře do půjček lidem přes P2P platformu s JBank |

Lend to people and make money.
Become an online investor with JBank.

Passive income
Flexible Monthly Repayments
Security and Data Protection
Overview Why Invest
with Us?
We are licensed by the Czech National Bank
The avarage appreciation of our investors is 15,8 %
In case of recovery, we will represent you free of charge
The money is repaid in monthly installments
We thoroughly check applicants in the registers
Everything is online, no need to go to the post office
Investments How to Become
an Investor
Simply online
Uploading documents
Choosing the loan you want to invest in
Signing contract
Passive monthly income
Do you want to know more?

Read everything you need about investing, strategy and loans.

Investor calculator

Your deposit
least 5 000 Kč
2 000 000 Kč
Investment time
1 year
10 years
Average interest rate (according to risk)
5 %
60 %

Expected profit

16 500

3,6 % yearly

Current list of loan applications

Nickname Amount Interest Overpay Number of payments Expires in Loan type Detail
petr115 75 000 Kč 43 % 83 208 Kč 48 28 days Proof of income
Nero141 70 000 Kč 30 % 49 756 Kč 47 28 days Proof of income
Teer 12 000 Kč 50 % 7 224 Kč 24 28 days Proof of income
naty.d 75 000 Kč 44 % 83 390 Kč 47 28 days Proof of income
Sandybrej123 50 000 Kč 50 % 30 064 Kč 24 28 days Proof of income
Wohhy 45 000 Kč 35 % 39 192 Kč 48 28 days Proof of income
SimKat 65 000 Kč 52 % 40 840 Kč 24 26 days Proof of income
p4j4n0v0 45 000 Kč 50 % 42 660 Kč 36 26 days Proof of income

Naši nejlepší investoři

Nickname Zisk v %
52 %
49 %
48 %
46 %
43 %

How to start



First you need to register with us and create an investor profile. Fill in the required data and enter into a Cooperation Agreement with us by checking the appropriate box. You will have this contract available at any time in your client zone after registration. We will also need to upload proof of identity from both sides. If everything is in order, we will then approve your investor account.


Choosing a loan

Our rule applies: one investor - one borrower, ie as an investor you always invest the entire amount in a loan to a specific person. The minimum loan amount that the applicant can set is CZK 5,000. You can choose different loan profiles according to riskiness. Most risks are associated with loans without proof of income, so there is also the highest interest rates. In total, it is possible to choose from 6 types of loans.


Applicant info and a preview of the Loan Agreement

If you are interested in the demand for financing a specific person, you can view the draft Loan Agreement by clicking on the "Documents and agreements" button. In the case of an application for a loan with proof of income, also bank statements for the last 3 months, or payslips, tax returns, pension assessments or other documents uploaded by the applicant for funding. Of course, the preview itself does not bind you to anything. If you decide to invest, just click on the "Accept" button. If not, you will return to the list of requested loans with the button and you can proceed similarly to another loan.


Verification of the debtor and conclusion of the Loan Agreement

After clicking on the "Accept" button, it will generate your Loan Agreement and we will send a unique code to your e-mail. It will also send another code to the applicant for funding. Furthermore, we will check the applicant in the Central Register of Executions, whether there is no execution on his property. We will also check if he is not insolvent. If everything is OK, we will inform you by email and you will be able to enter your unique code in the window in your client zone, this will conclude the Loan Agreement.


Transfer of funds for investment

According to the Loan Agreement, you have 5 days to send the invested amount to the account specified in the Agreement. You can send the amount via the generated QR code or by normally entering a payment order. However, do not forget to fill in the variable symbol so that the amount can be correctly assigned to a specific loan and borrower.


Repayments of your investment by the borrower

In the client zone, you can now monitor the repayment of your investment by the borrower. You can view the date of the monthly payment, the amount or number of installments that still remain. Statistics with a graph, according to which you can measure the performance of your loan investments are also available. The chart contains the amount you have invested, the amount already repaid by the debtors and the total amount to which you are entitled under the Debtors Agreements.

Join us today.

Our platform works on the principle of lending money directly to people
who have decided not to use their bank for any reason.