2025 marked another step forward for Monefit SmartSaver, shaped by product improvements, disciplined execution, and sustained customer trust.
Our mission remains unchanged. We want to make investing accessible to anyone who wants simple tools that support long term wealth building and predictable passive income.
Over 26,000 investors choose Monefit SmartSaver to build their wealth
In 2025, we tripled net investments and grew our investor base beyond 26,000. People joined Monefit with a clear priority: to grow their money responsibly, stay ahead of inflation, and pursue long-term financial goals without unnecessary complexity.
The results speak for themselves. More than 14 million in returns have been paid out so far, with a 100% payout success rate.
Accelerated business investment growth
Business investment volumes accelerated as investor groups and advisory networks increased their allocation to SmartSaver. The product is increasingly used as a long-term component within diversified investment portfolios.
Holding the line when the market pulled back
In June 2025, while the market saw rates decrease across the board, we took a different approach and increased our Main Account APY from 7.25% to 7.50%.
We also maintained increased rates for vaults offering up to 10.52% for 24 months. This stability helped many customers commit to longer-term planning with greater confidence.
Removing friction and rewarding long term investments
Our growth was not accidental. It was driven by product updates designed to stay true to our mission and deliver on customer requests. We focused on lowering friction, widening choice, and giving customers more control over their financial future.
Vaults, the backbone of long term investing
2025 was the year of the Vault. First, we expanded our standard Vault options to 6, 12, 18 and 24-month terms, giving investors more ways to tailor their investment strategy.
We also introduced flexible-term Vaults, giving users greater flexibility to plan their investments in line with their personal goals.
Alongside Vault terms, we made long-term investment easier with auto-renewal options for full balance or capital only.
As a result, our share of investments held in 12+ month Vaults grew by more than 50%.
Products built in response to how customers actually invest
Throughout 2025, we also delivered several long-requested features, such as:
Turning long term investments into predictable Passive income
We expanded options for customers seeking predictable income, introducing monthly payouts for 24-month Vaults. Passive income remains a priority for 2026, and further developments are already in the works.
Improved liquidity with instant and scheduled withdrawals
Increased flexibility and liquidity were another core focus for 2025. In November, we introduced Instant Withdrawals, as well as the option to schedule withdrawals up to a year in advance.
External validation of reliability and service quality
Customer satisfaction and industry recognition improved throughout 2025. Our Trustpilot rating rose to 4.6 stars.
During the year, Monefit received the Investment Tech of the Year award at the European FinTech Awards and the Euro Business Award.
We were also nominated for the European Contact Centre and Customer Service Awards.
It was a year of fantastic achievements, where we picked up momentum and started really setting SmartSaver up for a very bright future. Make sure you’re keeping an eye on SmartSaver in 2026, it’s going to be a game-changing year.