Markets fluctuate
your returns don’t have to
Earn an expected 7.50%* APY in your Main Account, with no lock-in period.
Or up to 10.52%* APY in Vaults.
Your expected return after 5 years
What is SmartSaver
SmartSaver is an investment platform, not a savings account or bank product. When you invest, your money funds consumer loans issued by Creditstar Group companies, to people and businesses across Europe. As loans are repaid, you earn a return.
Why invest with SmartSaver
Because it's an investment platform, not a deposit account, there's no government guarantee on your money, and your capital is at risk.
In return, there's the potential to earn more than a typical savings account.
Earn up to 10.52%* APY
Start earning from day one, with returns paid out daily.
Earn an expected 7.50%* APY in your Main Account with no lock-in period. Or aim for even higher returns of up to 10.52% when you invest your money in a fixed-term SmartSaver Vault.
Withdraw anytime from your Main Account
You can request a withdrawal from your Main Account at any time. Amounts up to €1,000 are usually paid out within minutes; larger amounts within 10 business days.
Since launch, 100% of withdrawal requests have been paid on time. That's our track record so far, not a promise for the future — withdrawals still depend on loan repayments coming in as expected, and your capital is at risk.
Auto Invest
Choose how often you want to invest: daily, weekly, or monthly. Set it once, and let it run without having to think about it again.
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 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.
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
- Withdrawal requests of up to €1,000 per month — processed within minutes.
- Larger amounts processed within 10 business days.
- Payout via card or bank transfer
- Best for day-to-day access to your investments.
*Withdrawals are conditional and not guaranteed. Your capital is at risk. See full Terms & Conditions for details.
SmartSaver Vaults
- Expected range 9.42%* to 10.52%* APY
- 12 months, 24 months, or define a custom length in between
- Auto-renew: full balance or capital only.
- Best for goal-based investing with higher expected returns
*Withdrawals are conditional and not guaranteed. Your capital is at risk. See full Terms & Conditions for details.
Trusted by investors and experts across Europe
Rated 4.7★ on Trustpilot
One of Europe’s Top 150 Fintechs
European Business Award winner 2025
Investment Tech of the Year 2025
One platform, thousands of financial journeys
Rahul, Germany
May 10, 2025
*Trustpilot testimonials are personal experiences, not a guarantee of future performance.
Heiko, Germany
April 26, 2026
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
Track record: since launch, every SmartSaver investor has been repaid, with returns.
Past performance isn't a guarantee of future returns — but delivering on our expected returns, for every investor, is what we aim for every day.
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
SmartSaver works well alongside your existing savings and investments, as one part of a diversified portfolio.
Frequently asked questions
Since launching in 2023, Monefit SmartSaver has had a 100% track record of successful withdrawal payments. But past performance doesn't guarantee future performance.
