How SmartSaver works

A simple step-by-step guide to how SmartSaver works and how you earn returns.

You invest money into SmartSaver

Grow your money in two simple ways. Earn 7.50% APY in your main account and access your money anytime. Or lock your funds away for 6 to 24 months in a Vault to earn up to 10.52% APY.

Your investment is allocated to consumer loans

Your money is spread across all Creditstar loans. You don’t need to choose individual loans yourself. Spreading your money this way lowers the impact of any single loan and helps keep returns steady.

Borrowers repay their loans with interest

We carefully approve borrowers based on their income and what they can afford. They repay monthly, plus around 30% on average over the loan term.

SmartSaver users are paid returns

The interest borrowers pay creates earnings. SmartSaver investors receive a share of that, up to 10.52% APY. We keep the rest to run and grow the business.
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Who we are

Monefit SmartSaver is part of Creditstar Group, which has operated in the European lending and investment sector for over 19 years. Lending is at the core of the group’s business. Creditstar companies are regulated in the countries where they provide lending services and operate in full compliance with local regulations and responsible lending principles.

FAQ

We don’t lend to everyone. Funds are allocated across a diversified portfolio of Creditstar consumer loans in multiple European countries. Unlike traditional peer-to-peer platforms, your investment is spread across the entire portfolio to reduce exposure to any single loan and support more stable returns. Borrowers are verified and have stable income. Creditstar adheres to strict local lending regulations and responsible lending principles.
SmartSaver is part of Creditstar Group, active in lending and investing for 19+ years across 8 European countries. SmartSaver works like P2P—without the hassle of picking loans. Your money is spread across the whole portfolio; you benefit from the overall performance.
No. Monefit and Creditstar Group are financial technology innovators, not banks. As a result, your investment is not government-insured or covered by any Financial Services Compensation Schemes. While returns are promising, capital protection is not guaranteed, and investors should understand the associated risks.
All investments carry risk. We manage it with diversification and prudent lending.

When you add money, it sits briefly in a separate SmartSaver bank account, not mixed with operational funds. It is then invested into new or existing Creditstar loans (across eight countries and multiple market sectors), and you acquire rights to the related loan claims.

If Monefit were ever bankrupt: uninvested funds in the separate account would not form part of operational assets. Once invested, you own the loan claims and the right to repayments and proceeds generated from those customer loans.

Geographic and sector diversification; loan caps with a maximum loan size of €15,000 to reduce concentration risk.

Investor protection relies on: separated handling of uninvested funds, legal ownership of loan claims once allocated, and the financial strength and diversification of Creditstar (profitable since 2006; audited annually by KPMG).
Creditstar is an international financial company operating since 2006. The Group consistently earns more in interest than it pays to investors. The surplus builds loan-loss reserves, covers operations, and supports sustainable growth. Annual financial statements are audited by KPMG.