Monefit SmartSaver

Your money is working hard, every single day. Earn an expected 7.5% APY with flexible access in your Main Account. No fixed terms. No management fees. Simply watch your returns getting paid daily, right inside the app. Start from €10.

Unlock even greater returns with fixed-term Vaults. Get up to 10.52% APY when you fix your investments for 12 months, 24 months or a custom length in between. Start from €100.

With SmartSaver, you invest into consumer loans provided by entities that are part of the Creditstar Group to trusted borrowers who have strong credit histories and solid risk controls. SmartSaver is backed by the Creditstar Group, a regulated lender operating for 19+ years across 8 European countries, profitable since 2006 and audited annually by KPMG.

The numbers that matter:
- €450M invested on the platform
- 48k+ investors
- €29 M in returns paid out to date
- 8.90% average returns
- 77% repeat investment rate

Awards:
- Investment Tech of the Year 2025
- European FinTech Awards 2025
- 4.7 / 5 on Trustpilot

Open your account and start from €10.

*Capital at risk. Monefit SmartSaver is a P2P investment platform managed by Monefit Investments OÜ. Returns are not guaranteed. Review terms at [https://monefit.com/en/legal/](https://monefit.com/en/legal/) and consult with a financial advisor, if necessary.