Kai × Monefit SmartSaver

I've been using Monefit SmartSaver as a P2P asset class in my own portfolio and I wanted to share it with my community.

SmartSaver is a simple to use peer to peer investment platform that helps you grow your money without the usual complexity.

  • Earn 7.5% APY in the main account & anytime access.
  • Get up to 10.52% APY with fixed-term vaults.

    • Smart Money with Kai

    A special welcome just for my community

    Sign up in minutes and start earning from today.

    €5 welcome bonus

    Welcome bonus credited to your account immediately after you registration.

    0.50% cashback bonus

    0.25% instant bonus credited after every deposit in the first 90 days. An additional 0.25% bonus is paid after the first 90 days.

    4.7 on TrustPilot ✦ 350M invested ✦ 19 years lending expertise

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    Two ways to grow your money. You choose

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

    Start earning today

    Flexible Main Account

    Best for keeping your money accessible:

    • 7.50% APY
    • Start with as little as €10
    • Returns calculated and credited daily
    • Withdraw up to €1000 a month instantly; larger amounts within 10 business days

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    Fixed Term Vaults

    Best for investors with a goal and a timeline:

    • 9.42% to 10.52% APY
    • Start with as little as €100
    • Returns calculated and credited daily
    • Choose 12, 18 & 24 months, or pick the exact maturity date

    How it works

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

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    You add funds

    Choose your account type: Main Account for flexibility, or a Vault for higher returns

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    Your money is put to work

    Your funds are automatically spread across a diversified portfolio of consumer loans issued by the Creditstar Group across 8 European countries

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    Borrowers repay with interest

    Creditstar carefully vets borrowers based on their income and repayment ability. On average, borrowers repay their loans plus around 30% over the life of their loan.

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    You receive your share

    The interest generated flows back to you as daily returns, up to 10.52%. Monefit SmartSaver retains a portion to operate and grow the business.

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    Start earning today

    Built on nearly two decades of European lending

    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 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?