Monefit SmartSaver
Estonia · Consumer · Founded 2022
Our score
Average return
10.52%
advertised maximum
Regulation: Not licensed under ECSPR
0.25% cashback on your net transfers in your first 90 days
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Our verdict
SmartSaver is a fixed rate paid by one consumer lender: every euro funds loans issued by Creditstar Group companies, and Creditstar Group AS reported a €13.5m net profit for 2025, audited by KPMG Baltics. The main account pays 7.5% APY, credited daily; the 10.52% headline requires a 24-month Vault, and withdrawals above €1,000 a month take up to 10 business days. Monefit Investments OÜ holds no investment or crowdfunding licence, no deposit guarantee or compensation scheme applies, and withdrawals are paid only when new money or Monefit's own funds allow — otherwise they are suspended and paid pro rata. At €285.2m by end-2025, SmartSaver made up 63% of Creditstar's borrowings, so the product and the group now depend on each other.
Read our full Monefit SmartSaver reviewRegulation, returns, fees, risks and our verdict — in depth.What works
- Simple fixed rate: 7.5% APY on the main account, credited and compounded daily, with nothing to configure
- Creditstar Group AS reported a €13.5m net profit for 2025, audited by KPMG Baltics
- Free bank-transfer deposits and withdrawals, no management fee, and up to €1,000 a month paid out within minutes
- Monefit says every withdrawal since the late-2022 launch has been paid on time, and its risk statement spells out the lack of deposit and investor protection
What doesn't
- Every euro funds the Creditstar Group, and SmartSaver was 63% of the group's borrowings at end-2025
- Monefit Investments OÜ is not licensed as an investment or crowdfunding provider, issues no prospectus, and no compensation scheme applies
- Withdrawals depend on new money or Monefit's own funds and can be suspended and paid pro rata
- The 10.52% headline applies only to 24-month Vaults; closing early forfeits the extra return and takes 30 days
Who this is for
Investors who want a simple fixed rate, accept that they are lending to a single consumer-credit group, and size the position as an unsecured loan rather than as cash.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: monefit.com · Sep 21, 2026 · 10.52% is the 24-month Vault rate; the flexible account pays 7.5%. SmartSaver had about 30,000 investors and EUR 17.8m of returns paid by end-2025 (Creditstar 2025 annual report).
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
