Markets fluctuate
your returns don’t have to
Earn 7.50% APY with instant access. Or up to 10.52% APY in vaults.
Your return after 5 years *
Why invest with SmartSaver
Instead of holding your money in a low-interest account, SmartSaver connects it to vetted borrowers who have received loans or creditlines. Your money is actively working, earning returns by helping fund real people across Europe. Everybody wins.
Earn up to 10.52% APY
Grow your money from day one, with returns paid out daily.
Earn 7.50% APY in your Main Account. Or boost your income with up to 10.52% APY in a Vault. Your goals, your terms.
Instant Withdrawals
Invest anytime. Withdraw up to €1,000 per month instantly. Amounts above €1,000 are paid within 10 business days.
Auto Invest
Choose how often you want to invest: daily, weekly, or monthly, and build your wealth effortlessly.
Passive Income
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 monthly income.
No chasing withdrawals. No guesswork. Just income you can count on, paid on the 1st of every month.
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.
Signup Bonus
Open a new account today and earn an instant 0.25% bonus on your net investments during your first 90 days.
Smart ways to earn even more
SmartSaver gives you control. The main account gives you easy access and Vaults allow you to earn higher returns for fixed term commitments.
Sign upMain Account
- Expected 7.5% APY
- Withdraw instantly up to 1.000 € per calendar month
- Amounts over €1,000 are processed within 10 business days.
- Payout via card or bank transfer
- Best for daily savings and quick liquidity
SmartSaver Vaults
- Expected range 8.33% to 10.52% APY
- Fixed duration from 6 months to 24 months
- Auto-renew options — full balance, capital only, or no renewal
- Best for goal-based savings and higher returns
Trusted by investors and experts across Europe
Investment Tech of the year
Monefit has been awarded the title for the year 2025
European Business Awards
Just like Investment Tech of the year, Monefit has been awarded the Euro Business Awards for the year 2025.
Rated 4.6★ on Trustpilot
One of Europe’s Top 150 Fintechs
Recognised by Inc. 5000 Europe for exceptional growth and innovation in financial services.
One platform, thousands of financial journeys
Rahul, Germany
May 10, 2025
Héctor, Spain
June 01, 2025
Licínio, Portugal
February 21, 2025
Here’s the radical transparency
We believe in clarity, not fine print. When it comes to investing, we want you to always feel informed, empowered and in control. That means knowing where your money goes and what the risks are.
Here's everything you need to know.
Not your typical savings account
SmartSaver isn’t the same as a bank savings account. Unlike deposits in a traditional bank, your money isn’t covered by a government guarantee. That means there’s some level of risk involved.
The full picture
Proven track record: Since launch, every SmartSaver user has received their money back with returns.
Understanding the risk
As with any investment — whether it’s stocks, ETFs, or high-yield accounts — there’s always some risk of loss. The trade-off is the potential for higher returns. That’s just how investing works.
Careful borrower selection
You invest into loans provided by entities that are part of the Creditstar Group to trusted borrowers who have strong credit histories and solid risk controls.
No expertise required
You don’t need to study markets or track stock tickers. SmartSaver is designed to be simple, automated, and transparent.
Smarter diversification
Many people use SmartSaver alongside their regular savings or investment accounts. It’s a way to diversify, stay ahead of inflation, and grow wealth passively.