Markets fluctuate,
returns don’t have to

Earn a target 7.5% APY in the Main Account. Or up to 10.52% in Vaults.*

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Expected return after 5 years

63221 €
If you invest
100000 €

*Estimate based on expected returns after 5 years, assuming two consecutive 24-month Vaults and one 12-month Vault. Actual returns depend on borrower performance. Capital at risk.

53k+
Investors
€525m+
Invested
€37.7m
Returns paid out

The SmartSaver app is here

Check it, move it, grow it.

Get the app

You’re not here for the average. Neither are we.

Instead of holding your money in a low-interest account, SmartSaver connects it to vetted borrowers who want loans or creditlines. Your money is actively working, earning returns by helping fund real people across Europe. Everybody wins.

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Earn up to 10.52% APY

Your money starts working from day one, with returns paid out daily. Earn an expected 7.50%* APY in your Main Account, with no lock-in.

Aim for even higher returns of up to 10.52%* when you invest your money in a fixed-term Vault.

Accessing your money

Request a withdrawal from your Main Account at any time. Amounts up to €1,000 are usually paid out within minutes; larger amounts within 10 business days.

Since launch, 100% of withdrawal requests have been paid on time. That's our track record, not a promise for the future. Withdrawals depend on loan repayments coming in as expected.

Auto Invest

Choose how often you want to invest: daily, weekly, or monthly, and build your wealth effortlessly.

Passive Income

Passive income mode is optional. If enabled, your returns continue to grow daily, but instead of accumulating over time, they are paid out to your bank account automatically on the 1st of every month.

Referral bonus

Refer a friend and get up to €2,500 bonus, based on their investments in the first 90 days. Invite everyone you know and grow your earnings.

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Signup bonus

Open a new account today and earn an extra 0.25% on your net investments during your first 90 days.

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Smart ways to earn
even more

SmartSaver gives you control. The Main Account gives you easy access and Vaults allow you to earn higher returns for fixed term commitments.

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Main Account

  • Expected 7.5% APY
  • Withdraw instantly up to €1,000 per month
  • Larger amounts are processed within 10 business days
  • Payout via card or bank transfer
  • Best for daily investments and quick liquidity

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SmartSaver Vaults

  • Expected 9.42% to 10.52% APY
  • 12 months, 24 months, or a custom length in between
  • Auto-renew options: full balance or capital only
  • Best for goal-based investing with higher expected returns

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Trusted by investors and experts across Europe

Investment Tech of the Year

Monefit has been awarded the title for the year 2025

Europe FinTech awards

European Business Awards

Just like Investment Tech of the year, Monefit has been awarded the Euro Business Awards for the year 2025.

Estonian Business Awards logo

Rated 4.7★ on Trustpilot

Trustpilot 4.6 review

One of Europe’s Top 150 Fintechs

Recognised by Inc. 5000 Europe for exceptional growth and innovation in financial services.

Inc 5000 Europe
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One platform, thousands of financial journeys

Monefit makes it simple and easy to add funds and see its daily returns. It offers different instruments to park funds and help them grow. I am very satisfied with their product.

Rahul, Germany
May 10, 2025
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Registration was very simple and quick. After that, I deposited funds, created my first Vault, and now I can watch my money grow every day. The interface is simple and intuitive. Everything is transparent and clearly understandable. Great product!

Heiko, Germany
April 26, 2026
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The easier and clearer way to make your money Grow! With good rates, amazing promotions, and a Super Support Team. Always listening to your comments and with eager to Improve the service and customer satisfaction

Licínio, Portugal
February 21, 2025
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Here’s the radical transparency

We believe in clarity, not fine print. When it comes to investing, we want you to always feel informed, empowered and in control. That means knowing where your money goes and what the risks are.

Here's everything you need to know.

Not your typical savings account

SmartSaver isn’t the same as a bank savings account. Unlike deposits in a traditional bank, your money isn’t covered by a government guarantee. That means there’s some level of risk involved.

The full picture

Proven track record: Since launch, every SmartSaver user has received their money back with returns.

Understanding the risk

As with any investment — whether it’s stocks, ETFs, or high-yield accounts — there’s always some risk of loss. The trade-off is the potential for higher returns. That’s just how investing works.

Careful borrower selection

We don’t lend to everyone. We partner only with trusted borrowers who have strong credit histories and solid risk controls.

No expertise required

You don’t need to study markets or track stock tickers. SmartSaver is designed to be simple, automated, and transparent.

Smarter diversification

Many people use SmartSaver alongside their regular savings or investment accounts. It’s a way to diversify, stay ahead of inflation, and grow wealth passively.

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Frequently asked questions

SmartSaver is a simple-to-use investment platform designed for both seasoned professionals and first-time users who want to dabble in investing. Return rates vary based on your investment amount, offering flexibility to suit different financial goals.
You can create a fixed-term Vault which lasts anywhere from 12 months to 24 months, with your return rate based on the duration of your Vault. You choose the exact date you want your Vault to mature, allowing for better planning for any future goals or events you have.
At Monefit SmartSaver, we calculate nominal returns daily. This means you can watch your money grow right before your eyes every single day. What’s not to love about that?
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