Markets fluctuate
your returns don’t have to

Earn up to 10.52% APY fixed. Open your free SmartSaver account today.

Your return after 5 years *

63221 €
If you invest
100000 €

*The illustration shows the returns after 5 years, assuming you have invested in two 24-month vaults and one 12-month Vault consecutively.

Markets go up. Then crash.
Then stall.

Standard savings accounts? They barely move at all. With a Monefit SmartSaver account, you know exactly what you’ll earn, no surprises, no sleepless nights.
Sign up in minutes

26k+
Investors
€250m+
Invested
€14m+
Returns paid out

You’re not here for the average. Neither are we.

Instead of holding your money in a low-interest account, SmartSaver connects it to vetted borrowers who want loans or creditlines. Your money is actively working, earning returns by helping fund real people across Europe. Everybody wins.

Sign up in minutes

Daily returns

Open a free account and grow your money from day one, with returns paid out every single day.

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Zero fees, seriously

There's no charge to open a SmartSaver account and no fee on the returns you make either. Transparent and fair by design.

Auto Invest

Choose how often you want to invest: daily, weekly, or monthly, and build your wealth effortlessly.

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SmartSaver Vaults

Boost your income with a fixed-term Vault and earn up to 10.52% APY. Set up as many Vaults as you need. Your goals, your terms.

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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.

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Signup bonus

Join SmartSaver now and enjoy a free €5 boost — no strings attached. Plus, earn an extra 0.25% on all your investments during your first 90 days.

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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 up

Main Account

  • Fixed rate of 7.5% APY
  • Fully flexible — add or withdraw funds at any time
  • Fast payout via SEPA or card within 10 business days
  • Best for daily savings and quick liquidity

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SmartSaver Vaults

  • Rate 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

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Create an account

Trusted by investors and experts across Europe

Investment Tech of the year

Monefit has been awarded the title for the year 2025

Europe FinTech awards

European Business Awards

Just like Investment Tech of the year, Monefit has been awarded the Euro Business Awards for the year 2025.

Estonian Business Awards logo

Rated 4.6★ on Trustpilot

Trustpilot 4.6 review

One of Europe’s Top 150 Fintechs

Recognised by Inc. 5000 Europe for exceptional growth and innovation in financial services.

Inc 5000 Europe
Get Started

One platform, thousands of financial journeys

Monefit makes it simple and easy to add funds and see its daily returns. It offers different instruments to park funds and help them grow. I am very satisfied with their product.

Rahul, Germany
May 10, 2025
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Monefit SmartSaver is an excellent way to save with daily returns and no hidden fees. Withdrawals take around 10 business days, but it's worth it for the ease of use and steady growth of your money. Highly recommended if you don't need instant access.

Héctor, Spain
June 01, 2025
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The easier and clearer way to make your money Grow! With good interest rates, amazing promotions, and a Super Support Team. Always listening to your comments and with eager to Improve the service and customer satisfaction

Licínio, Portugal
February 21, 2025
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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

We don’t lend to everyone. We partner only with 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.

Start earning

Frequently asked questions

SmartSaver is a simple-to-use investment platform designed for both seasoned professionals and first-time users who want to dabble in investing. Return rates vary based on your investment amount, offering flexibility to suit different financial goals.
You can create a fixed-term Vault which lasts anywhere from 6 months to 24 months, with your return rate based on the duration of your Vault. You choose the exact date you want your Vault to mature, allowing for better planning for any future goals or events you have.
At Monefit SmartSaver, we calculate nominal returns daily. This means you can watch your money grow right before your eyes every single day. What’s not to love about that?
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