What is SmartSaver?

SmartSaver is essentially a P2P investment platform but without the hassle of picking and choosing loans to invest in. We take your investment, spread that across the whole loan portfolio and you benefit from the returns. You are not at the mercy of loans not performing, the spread of your investment means that even if a loan fails, your investment does not.

SmartSaver at a glance

53K+

Investors on the platform

Trusted by a growing community of investors, SmartSaver has built strong momentum through consistent usage and long-term engagement. The size of the investor base reflects confidence in the product and its reliability over time.

€37.7M

Earned by investors

Since launch, SmartSaver has delivered returns across market cycles, building a measurable history of payouts. This figure represents real earnings generated for investors, reinforcing the platform’s performance track record.

€525M+

Invested on the platform

Hundreds of millions in capital have been committed through SmartSaver, demonstrating broad market confidence and meaningful scale.

8.75%

Average returns

SmartSaver is designed to keep capital productive, offering yields that outperform many traditional cash alternatives.

100%

Withdrawal success rate

Access to funds remains a core priority. A strong withdrawal track record reflects operational reliability and a focus on ensuring investors can access their capital smoothly when needed.

79.80%

Repeat investments

A high share of investors choose to reinvest after their first experience. This repeat behaviour signals satisfaction, trust, and confidence built through continued use of the product.

Latest update 01 October 2026

Return comparison

A quick benchmark against traditional saving options, showing where SmartSaver can offer a more competitive yield.

Investment cycle

Funds are deployed, repayments generate returns, and capital plus earnings are returned, ready to withdraw or reinvest.

Join now and earn a 0.25% bonus on all investments for 90 days

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

Main Account

Best for keeping your money accessible:

Expected 7.5% APY
Flexible access to your money
Payouts via SEPA or card
Instant withdrawals available up to €1,000 per month

Vaults

Best for investors with a goal and a timeline:

Rate range 9.42% to 10.52% APY
Fixed terms from 12 to 24 months
Auto renew options include full balance, capital only, or no renewal

Who we are

Monefit SmartSaver is part of the Creditstar Group. The group has been active in the lending and investment space throughout Europe for over 19 years. At the heart of Creditstar Group is the lending operation. We operate in 8 countries throughout Europe, adhering to strict regulatory requirements in each market.

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.

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 seven 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).

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.

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.

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.