Monefit SmartSaver

Estonia · Consumo · Fundada 2022

Nuestra nota

4,7

Rentabilidad media

10,52%

máximo anunciado

Regulación: Not licensed under ECSPR

0,25 % de cashback sobre sus transferencias netas en sus primeros 90 días

Abrir una cuenta en Monefit SmartSaver Leer el análisis completo Ver las condiciones del bono

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Nuestro veredicto

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.

Leer nuestra reseña completa de Monefit SmartSaverRegulación, rentabilidad, comisiones, riesgos y nuestro veredicto, en detalle (en inglés).

Lo que funciona

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

Lo que no

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

Para quién es

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.

Desglose de la nota

Cómo se calcula esta puntuación

Regulación30%2.5/10

Trayectoria25%5.2/10

Transparencia15%3.6/10

Liquidez15%8.5/10

Diversificación10%3.5/10

Rendimiento plausible5%9.4/10

Cada dimensión se puntúa de 0 a 10 a partir de datos documentados, luego se multiplica por su peso y se suma. No se redondea hasta el final.

Cifra tomada de: monefit.com · 21 sept 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).