Welcome to
SmartSaver
Earn up to 9.96% APY and join 16,000+ investors from 40+ countries enjoying great rewards. It’s easy, free, and designed for you!
Incredible returns, every day
Consistently grow your wealth with our Main account, offering 7.25% to 8.33% APY based on your daily balance. Returns are paid daily. Start with just €10 in 2 minutes.
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Amplify returns with Vault
Boost your earnings with Vault. Earn 8.87% and 9.96% APY on 6-month or 12-month terms. Start with €100, achieve your goals faster, and open as many Vaults as you wish.
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Easy Withdrawal
Easy to withdraw and your funds are available in 10 business days. Over 16,000 withdrawals paid out on time every time. Please read the Terms of Use for more details.
0.25% Signup bonus
Kick off your SmartSaver journey with a free €5 and an additional 0.25% bonus on your investment after 90 days, and with a stroke of luck, you could win an extra €100 every week.
0.5% Referral bonus
For every friend who joins and invests, both of you get up to a €2,500 bonus on their investment in the first 90 days. Unlimited invites.
Absolutely no fees
Add money instantly with zero fees, start from €10, go up to €500k and never pay fees for anything. Track your earnings daily and achieve bigger goals sooner.
We all have reasons to grow our money for our goals. What’s yours?
Grow retirement reserves
It’s never too early to start saving and investing for retirement.
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Go for dream vacation
Don’t just dream about it. Enjoy your dream vacation faster than you think.
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Save for kids future
Putting aside now to set your children up for success in the future.
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Take a career break
Take time for what makes you happy, knowing you have a safety cushion in place.
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A big purchase
Save faster for your new car or a home renovation.
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Leave a legacy
Give a financial security and sentimental value to your loved ones.
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Retiring early
Have the financial independence to decide when and how you work.
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Save for a rainy day
Have a safety net for unexpected expenses
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Get married
When it comes to the big day, meaningful saving early makes a big difference.
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Invest for new home
Save for your home deposit and get the key faster than you think.
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Start a business
Get a head start in starting up your new venture with some savings.
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Invest in consumer credit agreements concluded by the Creditstar Group.
Monefit is part of Creditstar Group, a well-established fintech group offering responsible credit solutions and innovative financial services with more than 1.2 million clients in Europe.
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How will my money be put to use by SmartSaver?
Creditstar Group, the parent company of Monefit, will use the funding from SmartSaver to accelerate its credit services growth in the EU. Access to alternative assets was previously only available to institutions, but not anymore. To date, Creditstar has paid to investors €100 million in returns.
What kind of returns should I expect?
Expected returns are not always possible to predict, but with SmartSaver you can predict future earnings as we offer a minimum fixed annual return of 7%. Returns are accrued daily, so you can reinvest what you earn to generate additional earnings over time. This means the effective annual rate (APY) will always be higher than 7%. We kindly ask you to familiarise yourself with the risks associated with using SmartSaver.
Who can open a SmartSaver account?
We invite both individuals and companies to invest through SmartSaver. Individual investors are required to be at least 18 years old, have a personal bank account in the European Economic Area, Switzerland, and have their identity successfully verified by the Monefit SmartSaver team. Family trusts, partnerships, limited liability companies, and other organizations must have a bank account in the EEA or Switzerland. Please check the dropdown menu in the registration form to confirm if your country of residency and tax residency are included.