For lenders
Be the bank for your familyand your friends.
Lend through FLUX5 at a market-conform rate. Your money earns more than at the bank, the contract is handled for you, and with the 2026 gift rules the support can cost your child nothing.
- 7.4%
- Average return
- €6,908
- Tax-free gift per year (2026)
- 100%
- Repayments tracked
Interest accruing for you right now
€4.56
Keep it in the family
Three ways to help. One keeps the money at home.
A bank loan, a paper note or the notary, or a formal family loan through FLUX5. Switch between the options and see where the money ends up.
Interest stays in the family
€3,307 over 5 years
Tax-free gift back (2026)
€6,908/yr
Net cost for your child
€0/yr
The money loops inside your family, formally documented and tracked for you.
Indicative figures based on an annuity loan. The bank rate is a typical consumer rate, the savings rate a major-bank average. Not tax advice.
The gift + loan combo
Lend formally, gift back tax-free.
In 2026 you can gift your child €6,908 per year tax-free. A market-conform loan is not a gift, so the exemption stays fully available. Many parents gift the repayments straight back, and the money never really leaves the family.
The gift fully covers the yearly payments
Net cost for your child
€0/yr
Effectively free money for your child
Gift tax avoided vs a direct gift
€1,809
You gift back tax-free
€34,540
5 years × €6,908
Assumes the 2026 annual exemption of €6,908 per parent couple per child and 10% gift tax above it. Indicative, not tax advice. Check your situation with the Belastingdienst.
Return calculator
What does your money earn?
Slide and see your monthly income instantly. Everything within the green band is market-conform, exactly what the Belastingdienst expects for a private loan.
Market-conform rate
Market-conform band: 3.8% – 4.8%
For mortgage interest deduction (renteaftrek) the loan must be repaid annuity-style within a maximum of 360 months, and reported in your tax return.
Monthly income
€227.14
- Interest earned
- €902.50
- Total received
- €10,902.50
For an onderhandse lening the Belastingdienst expects a written agreement and a market-conform (arm’s-length) interest rate. A rate that is too low can be treated as a gift (schenking).
Indicative calculation based on annuity repayment. No rights can be derived from this tool; consult the Belastingdienst or a tax advisor for your situation.
How lending works on FLUX5
From savings account to signed contract in three steps.
Calculate your return- 01
Pick who you lend to
Invite your child, a friend or another member and agree on the amount, term and a fair rate together.
- 02
We draft the contract
A written agreement with a market-conform rate, signed digitally by both sides. Legally binding, Belastingdienst-proof.
- 03
Money arrives monthly
You pay out via the app. Repayments and interest arrive automatically every month, tracked to the last euro.
Lenders on FLUX5
Parents and grandparents who put their savings to work with family.
I lent my daughter €25,000 for her first apartment. FLUX5 made it feel safe. The contract and the repayments just happen.
A better return than my savings account, and I help my son at the same time. The monthly repayments arrive like clockwork.
Get the app
Track every euro from your pocket.
Repayments, interest and contracts, all in one app. Download FLUX5 and start lending today.
Questions lenders ask
Straight answers before you lend a euro.