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Renttoo Deposit-Free

Renting without a deposit.
No hassle when there's damage.

Your renter ties up no money. Renttoo checks every renter and handles damage for you.

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The problem

A deposit stops
people renting.

  • Renters

    Hundreds of euros on hold for one day of renting. Many people don't book, or buy instead.

  • Owners

    Your own insurance stops the moment you rent out. Chasing damage yourself takes time, and sometimes you never get paid.

  • Payments

    iDEAL can't hold money. A credit card hold expires after about 7 days.

The solution

No deposit.
We handle the rest.

  • Everyone verified

    Passport + selfie via Stripe. No anonymous renters.

  • The renter stays liable

    Up to the item's current value, plus collection costs. Nothing is held upfront.

  • We collect for you

    Renttoo assesses the claim and chases the renter. You spend no time on it.

  • Don't want to wait? Sell your claim

    Once liability is final, you can sell your claim to Renttoo. Paid within 2 business days.

Step by step

How it works

From the first booking to a settled claim: the entire process runs through the platform.

  1. Everyone verified

    ID check via Stripe Identity (passport + selfie) before the first booking. So you know who's renting.

  2. No deposit on any booking

    Renttoo Deposit-Free is included in every booking by default. Your renter pays no deposit and there's no opt-out.

  3. Report damage

    Something broken or not returned? Report it within 48 hours after the return photos, with a description, photos and evidence. Renttoo assesses the claim. The renter and the owner can each object once, within 5 business days.

  4. The renter pays

    Once the claim is decided, the renter pays within 5 business days, up to the item's value. If the renter doesn't pay in time, a registered collection partner takes over.

When there's damage

From return
to settled.

Every step has a fixed deadline. Once the renter pays, it's done.

  1. Pick-up and return

    1. Pick-upYou both take timestamped photos.
    2. ReturnReturn photos next to the pick-up photos.
    3. No damageThe booking is closed.

  2. The claim

    1. ReportWithin 48 hours, with photos.
    2. Renttoo decidesWithin 2 business days.
    3. ObjectionEach side once, within 5 business days. Decision on the objection within 5 business days.

  3. Payment

    1. Payment requestThe full amount, within 5 business days.
    2. 14-day letterFrom our collection partner. Statutory collection costs apply only after those 14 days.
    3. CollectionAn agency collects the amount plus costs. Court only as a last resort.

If the renter pays at any of these steps, the claim is settled. The money goes to whoever holds the claim at that moment.

For owners

Don't want to wait?
Sell your claim.

Rather have your money now than wait for the renter to pay? Sell your claim to Renttoo. You choose, case by case.

  • Only once liability is final, after the objection period.
  • In your account within 2 business days.
  • Renttoo takes over the claim and keeps collecting.
  • Each offer shows the next one.
Highest offerFinal offer
95%
85%
70%
50%
  1. Liability final
  2. Deadline missed
  3. To collection
  4. Before court
The longer the case takes, the lower the offer.

Good to know

Not insurance.
We buy claims.

Renttoo doesn't cover losses. We handle the claim, and buy it from you if you want.

  • No extra cost

    Every owner pays the same 15% commission, whether you sell a claim or not.

  • You choose

    Nothing is promised upfront. Every offer is case by case.

  • Never 100%

    The offer is below the full amount. That difference is the risk Renttoo takes on.

Clear terms

What Deposit-Free handles, and what it doesn't

Deposit-Free is clear and standard on every booking. Below you can see what you can count on and where a claim stops.

What Deposit-Free handles

  • No deposit for your renter, on every booking
  • Every renter verified with passport and selfie
  • A claim for damage to the item during the rental period
  • A claim for loss or theft of the item during the rental period
  • The renter stays liable up to the item's value
  • If the renter doesn't pay within 5 business days, a registered collection partner takes over

What Deposit-Free doesn't handle

  • Normal wear and tear
  • Damage from before the rental period (without before-photos, not provable)
  • Damage from force majeure (natural disasters, extreme weather)
  • Indirect damages (loss of profit, turnover loss, reputational damage)
  • Damage reported more than 48 hours after the return photos

Last updated:

Questions

Frequently asked questions

The questions owners and renters ask us most about Renttoo Deposit-Free, answered in full.

What does Deposit-Free cost?

Nothing extra. Renttoo Deposit-Free runs automatically with every booking: your renter pays no deposit, and neither renter nor owner pays anything extra for it.

Who pays for the damage?

The renter. Renttoo verifies every renter beforehand and handles the claim, but the renter stays liable for the damage, up to the item's value.

Which deadlines apply?

You report damage within 48 hours after the return photos. After the decision on your report, the renter and you can each object once, within 5 business days. The renter then pays within 5 business days.

What if the renter doesn't pay?

If the renter doesn't pay within 5 business days, our registered collection partner sends a 14-day letter. If the renter still doesn't pay, statutory collection costs apply and the collection partner collects the amount.

What happens with theft?

Report it through Renttoo within 48 hours. Always file a police report and upload it together with your report. Renttoo handles the claim; the renter stays liable up to the current value or the declared value, whichever is lower.

How is the item's value determined?

Renttoo looks at the item's current value, factoring in age, condition and comparable listings. Receipts and invoice copies help support the value.

Can I sell my claim?

Yes, once liability is final. Renttoo then makes you an offer and pays within 2 business days. You choose whether to accept it. Renttoo takes over the claim and keeps collecting from the renter.

Deposit-Free is not insurance. So what is it?

No. Renttoo doesn't cover losses. The renter stays liable, Renttoo handles the claim and can buy a final claim from you.

Ready to start?

List your items: from your first booking, your renters pay no deposit, and Renttoo handles a damage claim for you.

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