Monefit SmartSaver Review 2025
High Yields for Everyone
Like a savings account, but much better
My Quick Verdict
Monefit SmartSaver makes high-yield investing accessible to everyone. With a fixed 7% annual return (much higher than bank savings at 2-3%), completely passive operation, and the ability to withdraw anytime, it's perfect for beginners or anyone who wants complexity-free investing. Backed by Creditstar Group with 16+ years of experience, it passes all my safety checks.
Try Monefit SmartSaver FreeWhat is Monefit SmartSaver?
Monefit SmartSaver is a service that offers a fixed annual return for investors, just like a savings account at a traditional bank—but with much higher yields. While Monefit SmartSaver itself is relatively new, it's a product of Creditstar Group, a large European lending company with an excellent track record. They're also the company behind Lendermarket, a P2P lending platform that I have in my portfolio.
What I really like about this platform is that it offers high yields in a completely passive way. Behind the scenes, they invest your money in consumer loans (as part of Creditstar Group) and give the interest back to investors via a fixed annual rate. Unlike P2P lending, you don't need to set up investing preferences, choose loans, or monitor your portfolio. Just deposit money, and you're all set.
The Key Difference
Unlike P2P lending where your investment is locked, with Monefit SmartSaver you can withdraw money at any time. It's as liquid as a savings account but with significantly higher returns. So far, they've already returned over €83 million to investors.
What Returns Can You Expect?
Simple, fixed, and significantly better than bank savings
The returns on Monefit SmartSaver are simple: 7% fixed yearly interest rate. While it's lower than direct P2P lending (10%+), it's a great rate considering most European bank savings accounts offer only 2-3%. Plus, it's completely passive with no monitoring required.
Monefit vs P2P Lending
| Feature | Monefit | P2P Lending |
|---|---|---|
| Setup Required | None - just deposit | Strategy setup, loan selection |
| Returns | 7% fixed | 10-14% variable |
| Liquidity | Withdraw anytime | Locked until loan ends |
| Effort Needed | Zero | Monitor portfolio |
| Interest Payments | Daily | Per loan schedule |
Choose Monefit for simplicity and liquidity, P2P for higher returns with more effort
Is Monefit SmartSaver Safe?
I evaluate platforms on guarantees, the company & team, and the source of loans
Creditstar Group Backing
Powered by Creditstar Group, a large European lending company with 16+ years of experience and 150+ employees.
Fully Regulated
Creditstar is regulated by local financial authorities in all countries where it is required to be licensed.
Proven Track Record
Over €83 million already returned to investors. Also the company behind Lendermarket P2P platform.
Instant Liquidity
Unlike P2P lending, you can withdraw your money at any time. Withdrawals processed in just 1 day.
About Creditstar Group
All underlying investments come from Creditstar Group, which has an excellent track record in the lending business. They're also behind Lendermarket (a P2P platform I use), and I've never had issues. There's also significant room between the loan returns and the 7% fixed rate, ensuring they can maintain this interest rate for investors.
Getting Started with Monefit SmartSaver
Open & Verify Account
Quick and easy—including ID verification, everything was done in under 5 minutes for me.
Deposit Funds
Transfer money via bank transfer. Simple and straightforward.
That's It! Start Earning
Your funds start generating interest immediately without you having to do anything—just like a savings account. Interests are paid daily, so you can see your earnings right away!
Fast Withdrawals Tested
As with all platforms I review, I tested withdrawals—the money was back in my bank account in just 1 day. Truly liquid like a savings account.
Pros & Cons
Pros
- 7% fixed annual return - higher than most bank savings
- Completely passive - zero setup or monitoring needed
- Withdraw money at any time (liquid investment)
- Powered by Creditstar Group (16+ years experience)
- Interests paid daily - see earnings immediately
- Fast withdrawals (1 day)
- Quick account setup (under 5 minutes)
- Regulated by local financial authorities
- Also behind Lendermarket P2P platform
- Perfect for beginners or passive investors
Cons
- Lower returns than direct P2P lending (7% vs 10-14%)
- No visibility into underlying loan portfolio
- Fixed rate may not adjust to market conditions
- Less diversification options than P2P platforms
Final Verdict
What I really like about Monefit SmartSaver is that it makes high-yield investing accessible to everyone. P2P lending has better yields, yes, but the setup and monitoring can be daunting. Here, it's as easy as using a savings account, but with much higher yields.
Powered by Creditstar Group with a long track record, it passes all my safety checks. Perfect for investors just getting started, or anyone who wants completely passive investments without the complexity.