Monefit SmartSaver

Basic information

For Investors

Functionality

How do Monefit SmartSaver the Vaults work?

SmartSaver Vaults now offer full investment flexibility, letting you choose custom fixed terms anywhere from 6 to 24 months. With competitive daily-paid returns and tailored maturity dates, Vaults help you align your savings with personal goals and life events 🎯.

💰 Vault Investment Options & Returns:

• 6 Months – 8% nominal, 8.33% APY

• 12 Months – 9% nominal, 9.42% APY

• 18 Months – 9.5% nominal, 9.96% APY

• 24 Months – 10% nominal, 10.52% APY

📆 You select the exact maturity date, enabling better planning for weddings, travel, education, or large purchases.

✅ Key Features:

• Minimum investment: €100

• Custom Vault names & purposes – personalize your investment journey

• 10-day funding window to top up your Vault after creation

• Auto-renewal options: reinvest full balance or only the original capital

• Secure funds: held safely until Vault maturity

Whether you're a beginner or a seasoned saver, SmartSaver Vaults combine high-yield returns, goal-based planning, and secure savings—all in one platform.

What are the risks associated with SmartSaver?

While SmartSaver by Monefit offers attractive returns of up to 10.52% APY, it’s important for investors to understand the risk factors involved before investing 💼.

SmartSaver funds are used to finance consumer loans issued by Creditstar Group, a profitable European lending company operating since 2006. These loans are carefully managed for transparency and accountability, but the platform is not a bank, credit union, or government-insured institution.

❗Key Risk Highlights:

• 💸 No deposit protection under EU Directive 2014/49/EU

• 📉 No investor compensation under Directive 97/9/EC

• 💼 Returns depend on loan repayments by Creditstar borrowers

• 🕒 Withdrawal delays may occur during high-volume redemptions

• 🧾 Capital is not guaranteed – your investment is subject to market and credit risk

SmartSaver does maintain liquidity reserves to support withdrawal requests and has delivered over €100 million in earnings to investors across the Creditstar Group. Part of the surplus is used to fund loan loss reserves and cover operational needs, supporting the platform’s long-term sustainability and investor confidence 📊.

For a full breakdown, Monefit provides a comprehensive Risk Disclosure Statement, helping you make informed investment decisions. If you need assistance, their Live Chat and Email support are readily available.

How much can I earn, and how fast?

SmartSaver offers a powerful way to grow your wealth with daily-compounded returns. Investors earn a 7.5% APY on all funds held in their SmartSaver Main Account, making it an attractive option for flexible, high-yield investing 💼.

For even higher earnings, you can open a SmartSaver Vault, which offers fixed-term investment options with returns ranging from 8.33% to 10.52% APY, depending on the term length (6 to 24 months). It’s an ideal solution for passive income and goal-based saving 🎯.

📆 Key Benefits:

• 💸 Daily return calculation and compounding for maximum growth

• 📊 Transparent earnings dashboard so you can track performance in real-time

• 📈 The more you invest, the higher your daily earnings

• 🌍 Trusted by investors in over 31 countries across Europe and beyond

Whether you're starting with €100 or building a larger portfolio, SmartSaver helps your money work harder, offering secure, easy-to-use investing with no hidden fees.