"Yes, I'm already investing and making 10.52% APY"

- Personally invested €15,000+
- 7.50% APY in the Main Account
- Earn up to 10.52% APY in Vaults
- €5 for new users
- 0.25% instant bonus on your net investments
- And an extra 0.25% after 90 days with my link

*Rates are expected, not guaranteed. Actual returns depend on market and borrower performance — capital at risk.

Aleks Bleck

Founder, Northern Finance

Wealth should grow effortlessly. Mine does.

Monefit SmartSaver compounds daily — effortless returns, no noise, no drama. Just smart money working for me.

Visited. Verified. Invested.

I’ve personally visited Monefit’s office in Estonia and spent time with their management team. Their product vision and commitment to investors really impressed me — that’s why I trust SmartSaver with my money.

Instant payment & easy withdrawal

I’ve tested it myself — withdrawals land on time. Invest up to €500,000 and withdraw whenever you want.

*Withdrawals are conditional and not guaranteed. Your capital is at risk. See full Terms & Conditions for details.

I amplify my returns with Vault — you can too

Boost your income effortlessly. Start with €100, invest safely, and open unlimited Vaults when you’re ready.

Incredible daily returns

Open an account and see your wealth grow. Earn up to 10.52%* APY, with daily compounding returns.

Simple to signup, even simpler to use

1000s from my community are already earning with SmartSaver — don’t miss out. Get started in under 5 minutes.

Investing, made easy

Check your investments, move your money and keep it growing. Available on Android. iOS coming soon.

My community deserves a treat

Unlock bonuses and exclusive rewards all year round.

Customer signup incentives

Join SmartSaver now and get €5 free the moment you create your account.

Every deposit earns you an instant 0.25% bonus in the first 90 days — and when you sign up with my link, you unlock an extra 0.25% on your net investments, paid after 90 days.

See the potential

Start building wealth your way! Calculate the future growth of your investment and see how much you could earn in just 5 years.

0.5% 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.

Passive income mode

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 as income on the 1st of every month.

For every dream, and every plan

Whether you’re growing wealth, beating inflation, or securing your retirement — SmartSaver helps you get there. Faster. My goal is beating inflation and growing wealth 😊 - What's yours?

Data security matters — and it’s covered.

I’m glad my data is safe and protected with two-factor authentication. Full control, total peace of mind.

Invest in Creditstar consumer credit

Your investment is diversified into consumer credit agreements carefully vetted by Creditstar Group.

Investment & lending insights

Did we miss something?

What is SmartSaver?

SmartSaver is a simple-to-use investment platform designed for both seasoned professionals and first-time users. Expected return rates vary based on how long you lock in your investment.

How do Vaults work?

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.

When will I see returns in my SmartSaver account?

At Monefit SmartSaver, we calculate and credit your returns daily. This means you can watch your returns grow right before your eyes every single day.