Markets fluctuate
Returns don’t have to
Earn a target 7.50% APY in your Main Account. Or up to 10.52% in Vaults.*
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.
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:
Up to 10.52%* APY
Your money starts working from day one, with returns paid out daily. Earn an expected 7.50% APY in your Main Account, with no lock-in.
Aim for even higher returns of up to 10.52% when you invest your money in a fixed-term Vault.
Accessing your money
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, not a promise for the future. Withdrawals depend on loan repayments coming in as expected.
Auto Invest
Automate your investment strategy: schedule daily, weekly, or monthly payments, and let it run — no need to think about it again.
Passive Income
Passive Income mode is optional. When enabled, you still earn returns daily, but instead of building up over time they're 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.
Sign up 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 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.
