Monefit SmartSaver Review 2026: High Yields for Everyone
A completely passive high-yield investment platform powered by Creditstar Group
Quick Verdict
Monefit SmartSaver is an excellent platform for investors seeking completely passive high-yield returns. Backed by the reputable Creditstar Group with 16+ years of experience, it offers a simple 7% fixed annual return with daily interest payments and instant withdrawals.
Try Monefit SmartSaverWhat 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. Moneyfit SmartSaver itself is relatively new, however it is worth noticing that is a product of Creditstar group, which is a large lending company in Europe with a very good track record. For example, they are also the company behind Lendermarket, a Peer-to-Peer lending platform that I also have in my portfolio.
What I really like about this platform is that they offer high yields (more about that in a moment), and in a completely passive way. Behind the scenes, they basically invest the investors money in consumer loans (as part of the Creditstar Group), and give the interests back to investor via this fixed annual rate. Compared to a classical Peer-to-Peer lending platform, it means you as an investor have basically nothing to do like setting up your investing preferences, choosing loans to invest in, or monitoring your portfolio. Just deposit money, and you're all set.
It's also worth noting that just like a savings account, investors can withdraw money at any time. This is for example a huge advantage compared to Peer-to-Peer lending platforms where your investment is not liquid.
So far they already returned over 83 million Euros back to investors.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on Monefit SmartSaver are really simple to understand: 7% fixed yearly interest rate.
As it's basically as easy as using a savings account as your bank, this is definitely a great rate as even now, yields on savings in most banks in Europe are in the 2-3% range. Of course, it's lower than if you invested directly on a Peer-to-Peer lending platform (where you can get 10% and more), but here it's really completely passive and simplified for you.
What Makes Monefit SmartSaver Unique
Monefit SmartSaver combines the simplicity of a traditional savings account with the higher yields typically found in P2P lending platforms.
Completely Passive
No portfolio management, loan selection, or monitoring required. Just deposit and earn.
Daily Interest Payments
Unlike most investment platforms, you see your interest being paid every single day.
Instant Liquidity
Withdraw your funds at any time with money back in your account within 1 day.
Perfect for investors who want high yields without the complexity of traditional P2P lending platforms.
Is Monefit SmartSaver Safe?
Key safety features and regulatory compliance
Creditstar Group Backing
Powered by a large lending company with 16+ years of experience and 150+ employees across Europe
Fully Regulated
Licensed and regulated by local financial authorities in all countries where operations are required
€83M+ Returned
Strong track record with over 83 million Euros already returned to investors
Instant Withdrawals
Withdraw funds at any time with money back in your account in just 1 day
🛡️ Risks & Guarantees on Monefit SmartSaver
On Monefit SmartSaver, all the underlying investments are coming from Creditstar Group, so it makes sense to have a closer look at this company to understand the underlying risks with Monefit SmartSaver.
Creditstar is a large group operating in the lending business, and they have an excellent track record with over 16 years of experience in the field and 150+ employees in the group.
I also always check the regulations & licenses about a given lending company, and Creditstar definitely doesn't disappoint on this field, as it's regulated by the local financial authorities in all the countries where it is required.
Therefore, it's safe to say that the platform behind Monefit SmartSaver is definitely very solid and with an excellent track record.
👥 The Company & The Team
As I mentioned earlier, Monefit SmartSaver is powered by Creditstar, and as for all the companies I invest in I checked that they are actually a registered company, and indeed they are.
It was also very easy to find information about their team, which is something I really like to see on such a platform.
As for all the platforms I invest on, I checked the profiles of the management team of the platform to see their experience in the field. Here I checked for example the profile of their CEO - and he indeed has a lot of experience in the field of lending & economics. Therefore, it's safe to say that a very competent team is behind Creditstar and therefore also behind Monefit.
📊 Loan Originators
I always checked where the loans are coming from on a platform, as this is really important for the security of your investments.
Whereas we don't know as investors on Monefit SmartSmaver what type of loans are in the portfolio that produces the returns for the platform, I am for example a user of the Peer-to-Peer lending platform which also uses Credistar as its main loan originator (Lendermarket), and never had issues with the platform. Also, you can withdraw money at anytime on the platform.
Also, they are quite some room between the returns of the loans themselves and the fixed rate given by Monefit SmartSaver, so it's also safe to say that they will have no problem to maintain this interest rate for investors on the platform in the future.
Getting Started on Monefit SmartSaver
Open and Verify Your Account
Sign up on Monefit SmartSaver and complete the ID verification process. This takes under 5 minutes and is really straightforward.
Deposit Funds
Transfer funds to your account via bank transfer. The process is simple and secure, with clear instructions provided.
Start Earning Immediately
Once deposited, your funds automatically start generating 7% annual interest. No configuration or portfolio setup needed.
Watch Daily Interest Payments
Interest is paid daily to your account, so you can immediately see the returns being generated by the platform.
Pros & Cons
✅ Pros
- ✓7% fixed annual return - significantly higher than traditional savings accounts (2-3%)
- ✓Completely passive investing - no portfolio management or loan selection needed
- ✓Instant liquidity - withdraw funds at any time unlike P2P lending platforms
- ✓Daily interest payments - see returns immediately
- ✓Backed by Creditstar Group with 16+ years of experience and 150+ employees
- ✓Fully regulated by local financial authorities in all operating countries
- ✓Quick account setup - verified in under 5 minutes
- ✓Fast withdrawals - money back in just 1 day
- ✓€83 million already returned to investors
- ✓No complexity - as easy as using a bank savings account
❌ Cons
- ✗Lower returns than direct P2P lending platforms (which offer 10%+)
- ✗Limited transparency about underlying loan portfolio composition
- ✗Relatively new platform compared to established alternatives
My Experience with Monefit SmartSaver
I added Monefit SmartSaver to my portfolio in 2023 as part of my diversification strategy. The platform has been performing exactly as promised with the fixed 7% annual return. I particularly appreciate the daily interest payments and the fact that I successfully tested a withdrawal which was processed in just 1 day.