SmartSaver

Earn an expected 7.5% APY in your Main Account. No fixed terms. No management fees. Simply watch your returns getting paid daily, right inside the app. Start from €10.

Unlock even greater returns with fixed-term Vaults. Get up to 10.52% APY when you fix your investments for 12 months, 24 months or a custom length in between.

SmartSaver is backed by the Creditstar Group, a regulated lender operating for 19+ years across 8 European countries, profitable since 2006 and audited annually by KPMG.

The numbers that matter:
- €450M invested on the platform
- 48k+ investors
- €29 M in returns paid out to date
- 8.90% average returns
- 77% repeat investment rate

Awards:
- Investment Tech of the Year 2025
- European FinTech Awards 2025
- 4.7 / 5 on Trustpilot

Open your account and start from €10.

*Capital at risk. Monefit SmartSaver is a P2P investment platform managed by Monefit Investments OÜ. Returns are not guaranteed. Review terms at https://monefit.com/en/legal/ and consult with a financial advisor, if necessary.