Produto de poupança do grupo Creditstar — 10,52 % TANB históricos com liquidez diária.
O Monefit SmartSaver é um produto de investimento passivo do grupo Creditstar, um originador estónio de crédito ao consumo ativo em nove mercados europeus. Visa uma TANB histórica de 10,52 % com mínimo de 10 € e liquidez diária, sendo uma alternativa hands-off à escolha manual de originadores em marketplaces como a Mintos.
Monefit SmartSaver is a consumer crowdlending platform based in Estonia, supervised by a national EU regulator. 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.
The platform advertises target gross yields in the ~10.52% APY 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 Estonia 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.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €10. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on Monefit SmartSaver 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.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@monefit.com — confirm on the platform’s contact page before sending sensitive information.Monefit SmartSaver operates under supervision of no major investor-protection regime. 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 8.9% 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; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, 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 Monefit SmartSaver’s own balance sheet, as required by the rules of no major investor-protection regime. 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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Easy to handle and higher yield then your average bank account, but also with more restrictions on payout and higher risks of investment.
Quite a user friendly interface with clear description of the offers, making it easy to get started.
The layout is simple and easy to understand, also there are feasible explanations to everything. All in all a good structure of the site.
account creation and verification ist very fast and umcomplicated. the site itself is neatly build - no problems to find what you want to do and well the rates are something else.
Available all time, really fast solving problems
all good .. easy account creation .. and followed by investment transfer
Easy App, never had any problems
Great support
Easy to use. Immediate feedback when new money is added. No experience yet to transfer money back. That’s the reason for only 4 stars
Monefit is an Easy to use saving account, with good interest rate to suit your budget.
A good p2p Plattform. Everything works Fine, easy and wothout any problems
Very easy to use, and good client support.