Monefit SmartSaver

Estonia · Consommation · Créée en 2022

Notre score

4,7

Rendement moyen

10,52%

maximum annoncé

Régulation: Not licensed under ECSPR

0,25 % de cashback sur vos virements nets pendant vos 90 premiers jours

Ouvrir un compte Monefit SmartSaver Lire l'analyse complète Voir les conditions du bonus

Lien partenaire — nous pouvons percevoir une commission, sans coût supplémentaire pour vous. Cela n'influence pas le score ci-dessus.

Notre 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.

Lire notre avis complet sur Monefit SmartSaverRégulation, rendements, frais, risques et notre verdict, en détail (en anglais).

Ce qui fonctionne

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

Ce qui ne fonctionne pas

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

À qui cela s'adresse

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.

Détail du score

Comment ce score est calculé

Régulation30%2.5/10

Historique25%5.2/10

Transparence15%3.6/10

Liquidité15%8.5/10

Diversification10%3.5/10

Rendement plausible5%9.4/10

Chaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.

Chiffre relevé sur: 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).