Robocash Review 2026: Is Robocash a Safe Platform?
A comprehensive review of the Robocash P2P lending platform covering returns, safety, and my personal investing experience
Quick Verdict
Robocash is a solid P2P lending platform offering competitive returns of up to 12.3% with strong security features. Backed by the Robocash group that controls all loan originators, the platform provides good investor protection through buyback guarantees and transparent operations.
Try RobocashWhat is Robocash?
As for all Peer-to-Peer lending platforms, Robocash is a financial platform that allows investors to invest in loans, in exchange for payments of interests over time. Robocash is an already established platform, as it was founded in 2017. They are based in Zagreb, Croatia.
Even if they share a lot of similarities with other Peer-to-Peer lending platforms, they put a strong focus on security for the investors, as they are backed by a large financial group, the Robocash group, which itself operates since 2013. I will talk more about this point when analysing the loan originators of the platform.
They also put an emphasis on automation and being a completely passive source of income for investors, which is what we'll verify later in this review.
They currently have around 25,000 investors registered on their platform, and funded over 350 millions Euros worth of loans since they started operating in 2017.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on Robocash depends on which loans you invest in, which I will tell you more about when we'll see how to use the platform. Currently, with the loans listed on the platform you can get up to 12.3% annual interests, and most loans are in the 11-12% range, making it one of the best platforms in the field at the moment.
Auto-Invest Focus
Robocash puts a strong emphasis on automation and passive income generation
Fully Automated
Only auto-invest available - the platform handles all investment decisions based on your criteria
Flexible Settings
Customize investment amount, interest rates, and loan terms to match your risk profile
Large Loan Pool
Over 2000 loans available ensuring quick diversification and continuous investing
The auto-invest function makes Robocash ideal for investors seeking truly passive income without manual loan selection
Is Robocash Safe?
Key safety features and regulatory compliance
Buyback Guarantee
All loans covered by 30-day buyback guarantee - if borrower doesn't pay for 30 days, loan is automatically paid back to investor
Group Backing
Backed by the Robocash group operating since 2013, providing additional financial security and stability
Official Registration
Company officially registered in Croatia with full transparency about operations and team members
Controlled Originators
Robocash group controls all loan originators, allowing close monitoring and enhanced security for investors
🛡️ Risks & Guarantees
On Robocash, all loans present on the platform are covered by a buyback guarantee, which is now pretty standard on similar platforms. This means that if a borrower doesn't pay back a loan for a period of 30 days, the loan will be automatically paid back to the investor.
👥 The Company & Team
As I mentioned earlier, the company is operating from Croatia, and as for all platforms I add to my portfolio I checked if the company was officially registered in Croatia, and it is indeed.
They also are completely transparent about their team on their website, with a complete description of the role of each person in the team, which is also something I appreciate seeing on a platform.
Before investing on a new platform, I like to check in details the profile of the management team of the company, so for example I checked the LinkedIn profile of the CEO of the company:
I found that he has a great track record in the field of finance & lending, being involved in several lending companies before creating the Robocash group back in 2013.
📋 Loan Originators
As I mentioned earlier, one of the particularity of Robocash is that the company is part of the Robocash group, that also controls all the loan originators attached to Robocash. This lets them control their operations closely, and in returns add more security for investors.
They are also completely transparent about their loan originators location, and display them in a dedicated page that is easily accessible from their site.
Getting Started on Robocash
Open & Verify Account
Sign up for an account and complete the ID verification process. This takes under 5 minutes and is straightforward.
Deposit Funds
Transfer money to your Robocash account via bank transfer. The process is simple and secure.
Configure Auto-Invest
Set up the auto-invest function with your preferred parameters like maximum investment per loan (€10), minimum interest rate (11%), and maximum loan term (1 year).
Start Earning
Once configured, your money will automatically be invested in loans matching your criteria. With over 2000 loans available, diversification happens quickly.
Pros & Cons
Pros
- ✓Competitive returns up to 12.3% annually with most loans in the 11-12% range
- ✓All loans covered by 30-day buyback guarantee
- ✓Backed by established Robocash group operating since 2013
- ✓Complete transparency about team and loan originators
- ✓Controls all loan originators for added security
- ✓Quick account verification process (under 5 minutes)
- ✓Fast withdrawal processing (1 day)
- ✓Fully automated investing with auto-invest function
- ✓Over 2000 loans available on the platform
- ✓Company officially registered in Croatia
Cons
- ✗Only auto-invest available, no manual loan selection option
- ✗Relatively new platform compared to some competitors (founded 2017)
- ✗Limited geographic diversification as part of single group
My Personal Experience
I activated the auto-invest function on Robocash in 2021, and it should give me an average return of 12% annually. It is of course too early to talk about long-term yields on the platform, but I can say that so far everything went smoothly and I will definitely invest more on the platform in the future.
