A Robocash é uma plataforma P2P croata que oferece empréstimos de originadores do próprio grupo Robocash. Desde 2018 financiou mais de 1,3 mil M€ com garantia de recompra estrita a 30 dias, fluxo de auto-invest completo e mercado secundário funcional — popular entre investidores particulares hands-off.
Secção 02 · Veredicto
Pontos fortes e cuidados.
Prós
Recompra a 30 dias respeitada de forma consistente
Auto-invest completo
Mercado secundário
Levantamentos em 24 horas reportados
Mínimo 10 €
Contras
Apenas originadores internos do grupo — sem diversificação por terceiros
Alguns originadores (p. ex. Prestamer) tiveram atrasos
Cash drag e depósitos revertidos reportados
Section 03 · Mechanics
How it works.
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.
Section 04 · Onboarding
Opening an account.
01Create an account on the platform with your email and a strong, unique password (use a manager).
02Complete KYC — upload a government-issued ID document and proof of address (utility bill, bank statement, dated within 3 months).
03Confirm tax residency and provide a tax-ID number for the country where you’ll declare returns.
04Fund the investor account via bank transfer (minimum €10). First deposits sometimes take 1 business day to credit.
05Review the loan book — read the project memo, originator history, collateral pack and default-rate disclosures before committing capital.
06Build a portfolio of 20–30 positions to diversify; configure auto-invest rules if you prefer a hands-off approach.
07Track monthly statements, reinvest scheduled returns, and withdraw available cash to your bank account whenever needed.
Section 05 · Costs
Fees & charges.
Account opening: free — there is no signup, KYC or annual maintenance fee for investors.
Minimum deposit: €10 per transaction. There is no upper limit for retail accounts; institutional and family-office tickets are negotiated separately.
Deposit fees: SEPA and local bank transfers are free. Cross-border SWIFT may incur correspondent-bank charges set by your bank, not the platform.
Investment fees: typically zero on the investor side — the platform earns from origination / servicing fees paid by the borrower or sponsor, and that economic burden is already reflected in the headline yield.
Servicing fees: some platforms levy a small annual servicing fee (often 0.5–1 %) on outstanding principal; check the latest fee schedule on the platform’s legal page before allocating size.
Withdrawal fees: free for in-region SEPA or local bank transfers; non-EUR / non-local withdrawals may incur a small fixed bank fee.
Secondary-market fees: when a secondary market exists, sellers typically pay a 0.5–1 % transaction fee on the realised price; check before listing.
Tax: interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically — investors report income in their annual return and may apply double-tax-treaty relief where available.
Section 06 · Operations
Deposits & withdrawals.
Deposit methods: SEPA bank transfer, card payment. Crypto is not supported.
Minimum deposit: €10 per transaction. No upper limit for retail accounts.
Deposit processing: SEPA usually credits within 1 business day; instant SEPA arrives in minutes where supported.
Withdrawal method: SEPA transfer to the bank account on file. No third-party withdrawals.
Withdrawal processing: Available cash typically arrives within 1–3 business days; funds locked in active loans only return as borrowers repay.
Early exit: A secondary market is available — list a loan claim to other investors, typically at par or at a small discount, to free up capital before maturity.
Section 07 · Performance
Historical yields.
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.
Section 10 · Risk
Risk disclaimer.
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 email: typically support@robo.cash — confirm on the platform’s contact page before sending sensitive information.
Registered office: Croatia (verify the exact address on the platform’s legal page).
Public reviews:Trustpilot aggregates the investor feedback we ingest.
Regulator on file: HANFA (Croatia).
Investor relations: Robocash publishes monthly performance and loan-book updates on its blog and newsletter — subscribe before allocating meaningful capital.
Section 12 · FAQ
Frequently asked.
Is Robocash regulated?
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.
What is the minimum investment on Robocash?
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
What returns can I expect from Robocash?
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.
How long does it take to withdraw funds from Robocash?
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.
What happens if a borrower defaults?
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.
What happens if Robocash itself goes bankrupt?
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.
Do I pay tax on the income?
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.
What is the typical deal duration on Robocash?
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.
How many deals should I hold to be diversified?
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.
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.
J
Jean Hilbrunner
Trustpilot
11 Fev 2026
Good for me
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.
G
Gatis Kreituss
Trustpilot
5 Set 2025
Despite significant differences from…
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!
J
JA
Trustpilot
4 Set 2025
The (not always easy in P2P) Virtue of Always Being There with Solid and Consistent Performance
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!
S
Sqicom
Trustpilot
22 Ago 2025
I’ve tried this platform three times
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.
A
Anika Prost
Trustpilot
19 Ago 2025
I've started only recently
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.
S
Sasha
Trustpilot
12 Ago 2025
Minor cash drag but consistent income
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.
A
Al
Trustpilot
11 Ago 2025
Blocks your account
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.
J
Jorge
Trustpilot
7 Jul 2025
Robo.cash didn't have enough loans to offer.
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.
J
Jorge Daniel Silva
Trustpilot
6 Jul 2025
De momento estou muito satisfeito
De momento estou muito satisfeito. Plataforma com excelente rentabilidade e pagamentos dentro do prazo.
S
Silvan G
Trustpilot
5 Jun 2025
Reliable and Fast – 3 Years of Solid Returns
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.