P2P croata con recompra estricta a 30 días y cartera totalmente automatizada.
Robocash es una plataforma P2P croata que ofrece préstamos de originadores del propio grupo Robocash. Desde 2018 ha financiado más de 1 300 M € con una garantía de recompra estricta a 30 días, flujo de auto-invest completo y un mercado secundario operativo — popular entre inversores particulares hands-off.
¿La plataforma paga lo que promete?
¿La rentabilidad coincide con la anunciada?
¿Se dan los datos necesarios, también las malas noticias?
¿Cuánto trabajo cuesta invertir de verdad?
¿Hay alguien al otro lado?
¿Con qué facilidad entra el dinero y vuelve a salir?
¿Hay oferta suficiente para armar una cartera?
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Robocash is a consumer crowdlending platform based in Croatia, supervised by HANFA (Croatia). Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
Loans on Robocash carry a 30-day buyback, which steps in if the borrower stops paying. The strength of that protection depends on the financial health of the originator standing behind it — not the platform itself.
The platform advertises target gross yields in the 11–14% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Croatia macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the 30-day buyback. In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Suited to investors wanting direct exposure to SME opportunities with a 12–36 months horizon, comfortable with default risk and limited liquidity. Minimum ticket from €10. Recommended portfolio size: 20–30 deals for adequate diversification; treat as a complement to traditional fixed-income, not a substitute.
Capital at risk. Investments on Robocash are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@robo.cash — confirm on the platform’s contact page before sending sensitive information.Robocash operates under supervision of HANFA (Croatia). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 10.5% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; a secondary market is available if you need to exit early.
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Robocash’s own balance sheet, as required by the rules of HANFA (Croatia). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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He estado más de un año con ellos y todo ha funcionado correctamente. He podido retirar toda la inversión sin problemas y obtenido los intereses establecidos. Lastima que últimamente los intereses ya no son tan competitivos.
Good for me. When there are defaulted loans, they are paid 30 days after the normal date. I used robo.cash during 4 years and was very happy with the interest rates.
Despite significant differences from other platforms of this type, there are no pros or cons that can be evaluated independently. Registration is straightforward, quick, and efficient. Accounts can be topped up both in EU banks and in the UK. After creating your own investment criteria model, the money was quickly distributed across available market transactions. A big plus is that you can choose to invest in short-term loans, which is much less common on other platforms. It's understandable and simple!
I think what's truly extraordinary about Robocash, what sets it apart from other P2P market players, is that it's always been there, offering solid and consistent performance to its investor users for years and years (I have been investing with them for more than 7 years now). Even more importantly, in difficult times, such as during the COVID-19 pandemic or the outbreak of the Russian-Ukrainian war, it has remained a pillar of reliability. Where many others faltered and hesitated, Robocash has continued to offer impeccable service to its users, always looking out for their interests. Furthermore, I particularly like the simplicity and accessibility of its interface, the quality of its customer service, the variety of opportunities, and its clear focus on auto-investment and one-click investing, minimizing the management time required by the investor / user. I mean, guys, it is common sense to give this platform a try!
I’ve tried this platform three times. Twice my funds sat idle due to cash drag, and on one occasion my deposit was even reversed. In my experience, it’s not worth it—your money ends up sitting idle instead of being put to work. While the platform lacks reliability and efficiency, the customer service has been decent when I reached out.
I've started only recently, so not much experience with the investing, but the customer support is very helpful and portfolio creation was simple. Not all money was invested (about 10% still hanging), I hope it will soon. Might update after a few months, see how it fares.
I've been using the platform for 10 months now, and everything has been running smoothly so far. I experience a minor cash drag, so I slightly reduced my portfolio. All payments have been made on time as always, which is great.
I had signed up a few years ago, and never used this service. Then recently, they decided that "for security reasons" (always the same story with all of these), I was supposed to send a copy of my most recent valid ID. I was curious, because I genuinely didn't remember what company this was, and I logged in, and then I remembered I looked at it once and never came back, because it wasn't for me. Well, well, the whole CRS/Facta thing is just not prepared for the 21st century. It's 2025, people move, become nomads and stuff. So, it just happens that I am 1000s of km from the place I declared to be my "permanent residence". I could also just be on holidays... But... NO! "Because you've logged in from a "weird country", we've decided that your account has been compromised and we're blocking it until you send us a document proving you actually live where you said you do" But if you were naive enough to give these guys your money, don't log in from outside your home or you may lose your funds.
Initial: 07/07/2025 Robo.cash doesn't have enough loans to offer. I have reached 30000 € investment. Their investment tool invest in few loans every few days. 3000€ are uninvested. However, I have increased all limits to the maximum in the Auto Invest tool, from 8% rate to 13% etc.. I have even created a new portfolio. I have ticked all loan suppliers. I'll be forced to withdraw money hoping it will get better with 20000€ investment. UPDATE: 23/07/2025 All Uninvested money has been reinvested. So, I updated to 4 stars out of 5 UPDATE:05/08/2025 Once again uninvested balance rose to around 1900€ !! So, I updated the rating to 2 stars.
De momento estou muito satisfeito. Plataforma com excelente rentabilidade e pagamentos dentro do prazo.
I invested with Robo.cash for 3 years: instant withdrawals, quick support, and consistent returns. I’ve stopped P2P for ethical reasons, but Robo.cash was far better than platforms like Mintos where I had defaults.
Va muy bien insuperable