Monefit SmartSaver

Estonia · Consumo · Fundada 2022

A nossa nota

4,7

Retorno médio

10,52%

máximo anunciado

Regulação: Not licensed under ECSPR

0,25 % de cashback sobre as suas transferências líquidas nos primeiros 90 dias

Abrir uma conta na Monefit SmartSaver Ler a análise completa Ver as condições do bónus

Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.

O nosso 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.

Ler a nossa análise completa da Monefit SmartSaverRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).

O 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

O que não funciona

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 quem é

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.

Como se decompõe a nota

Como esta pontuação é calculada

Regulação30%2.5/10

Historial25%5.2/10

Transparência15%3.6/10

Liquidez15%8.5/10

Diversificação10%3.5/10

Rendimento plausível5%9.4/10

Cada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.

Número retirado de: monefit.com · 21 de set. de 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).