SmartSaver is 4
Celebrate with our best rate yet.
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. As loans are repaid, you earn a return.
The SmartSaver app is here
The SmartSaver app is here
Check it, move it, grow it. All from your phone.
Check it, move it, grow it. All from your phone.
Why invest with SmartSaver
SmartSaver is an investment platform, not a deposit account — so there's no government guarantee and your capital is at risk. In return, you get the potential to earn more than a typical savings account.
7.50% to 10.52%* APY
You pick the pace. Keep your money flexible in the Main Account at an expected 7.50% APY, or lock part of it in a 12 to 24-month Vault to earn up to 10.52%.
Flexible withdrawals
Request a withdrawal whenever you need one. Up to €1,000 a month usually lands within minutes. Anything larger is usually processed within 10 business days. Since launch, we've paid every withdrawal on time — that's our track record, not a promise for the future.
Invest on auto pilot
Schedule daily, weekly or monthly Auto Invest payments and let SmartSaver do the rest. Card top-ups with Auto Invest are fee-free, and you can change your schedule any time in the app.
Monthly passive income
Your returns are calculated and added to your account every day. Want them sent to you instead? Turn on Passive Income, and we'll transfer your earnings to your bank account automatically, on the 1st of every month.
Bonuses that stack
Open an account and get an instant 0.25% bonus on what you invest in your first 90 days. Bring a friend along, and you'll both earn 0.5% on their investments in the first 90 days — up to €2,500.
Your account, your control
Protecting your investment is at the heart of what we do. That's why we've built extra layers of security: a two-factor login that makes sure it's always you, Face ID or your fingerprint to approve any big change, and a notification the moment something moves.
Smart ways to earn even more
SmartSaver puts you in control. Keep money handy in the Main Account, or lock it in Vaults to earn more.
Sign upMain Account
- Expected 7.5%* APY
- Withdrawals of up to €1,000 per month are usually processed within minutes. Amounts above are usually processed within 10 business days
- Payout via card or bank transfer
- Best for day-to-day access
*Withdrawals are conditional and not guaranteed. Your capital is at risk. See full Terms & Conditions for details.
Vaults
- Expected 9.42% to 10.52%* APY
- 12 months, 24 months, or define a custom length in between
- Auto-renew options
- Best for goal-based investing
*Withdrawals are conditional and not guaranteed. Your capital is at risk. See full Terms & Conditions for details.
Trusted by investors and experts across Europe
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.
Not a 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 target 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.
