Interest earned after 5 years:


Initial balance

Future value


Effective annual rate (APY)

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Assuming no withdrawal in 5 years and interest that you receive on your investment after compounding has been included.

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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Deposit 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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Join thousands
of customers

Whether you are an experienced investor who wants to diversify your portfolio or someone who just started investing, SmartSaver will make it easy for you.

Withdraw anytime

You won't have to wait for a pre-set schedule to redeem your funds. Instead, you can withdraw at any time and your money will be available in 10 business days.

No fees or cost

Your SmartSaver account has no fees of any kind and no hidden cost, so you know exactly how much you will earn.

Save money and time

SmartSaver will save you time. Don't worry about account configurations, just set it up and let it run. You will earn returns on a daily basis.

Everyone invited

Start with as little at €10 and keep adding more as you go along. The effective annual rate (APY) will always be higher than the 7%.

Earn up to 1,000€ for each friend you refer

You and your friend will get a 1% bonus on your friend’s investments made in the first 60 days.

Refer a friend

SmartSaver makes it easy for you.
Get started in three easy steps.

Quick signup
Get started in less than 10 minutes in few easy steps.
Add funds
From €10 to up to € 100,000.
Earn daily interest
Your funds are invested automatically at 7.25% APY.
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Did we miss something?

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 €83 million in interest 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 fixed annual interest of 7.25%. Interest is accrued daily and paid monthly, 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 7.25%. We kindly ask you to familiarise yourself with the risks associated with using SmartSaver.

When will I receive the interest payments?

SmartSaver allows customers to earn a fixed 7.25% annual interest. Fixed interests are calculated monthly, and added to your SmartSaver account. This means, you can enjoy the compound interest as you grow your wealth overtime.

What fees does SmartSaver charge?

We are here to help you save money, and that means we won’t charge fees of any kind for creating a SmartSaver account, adding funds or withdrawing funds. Nevertheless, your bank or money transfer service provider may charge additional fees for transfers.

Can I withdraw funds on demand?

SmartSaver is designed to meet your needs for flexibility and peace of mind. With SmartSaver, you won't commit to a lock-in period, instead, you choose when you want to withdraw part or all of your funds. Your money will be available in 10 business days.

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.

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We kindly ask you to note that no guarantees are offered for investments made with SmartSaver. We advise to carefully evaluate the risks associated with investing in consumer loans and seek professional advice before starting to invest money via SmartSaver. For more information please also familiarize yourself with the Risk Disclosure Statement. Considering the operating principles of SmartSaver you may not always be able to withdraw the full investment amount immediately, in which case you will simply receive payouts in installments instead.