Not just for investors. For smart businesses too.

Turn liquidity into passive income. Starting from 7.5% APY.

No hidden fees, withdraw anytime.

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Grow Your Company Reserves — No Hidden Fees, No Lock-In

100+
Business accounts
€10m+
Returns paid out
8+
Countries
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What is Monefit SmartSaver?

Monefit, a subsidiary of Creditstar, is a high-yield investment platform offering competitive returns, unparalleled flexibility, and ease of use. SmartSaver helps meet a wide range of financial goals — whether you're looking to safeguard your investments or grow your savings across the EU.

Creditstar Group

Creditstar Group is an international consumer finance company founded in 2006, headquartered in Tallinn, Estonia. At the heart of the company is consumer lending, we operate, and are regulated in 8 countries throughout Europe. We leverage technology, data analytics, and automation to provide seamless credit to our customer base of over 1.4m customers.
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Yields beyond traditional banks

Lower operating costs and lean teams help us offer higher rates: 7.5% in the Main Account, and up to 10.52% in Monefit Vaults.
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Auto Invest

Small habits lead to big results
Set it, leave it, grow it. Set a schedule that suits you and watch your SmartSaver balance grow effortlessly.

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Instant payment & easy withdrawal

Invest up to €500,000 and withdraw when you want. 100% payback history.

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Start Growing Your Money from Day One

With SmartSaver, your money doesn’t sit still. As soon as it lands in your account, it starts working for you—earning 7.5% APY, calculated daily.

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Simple to signup, even simpler to use

Many businesses are already earning with SmartSaver — don’t miss out. Get started in under 5 minutes.

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Discover ways to earn more

Unlock bonuses and exclusive rewards all year round.

SmartSaver Vaults

Accelerate your earnings with SmartSaver Vaults. With Vaults you can earn from 8.33% to 10.52% APY on your investment - Simply move funds from your main account and into your vault.

0.25% Signup bonus

Join SmartSaver now and earn an extra 0.25% on your investments after your first 90 days.

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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.

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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.

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Data security matters — and it’s covered.

Your data is safe and protected with two-factor authentication. Full control, total peace of mind.

Data security

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?

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 6 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?