Monefit – Is safe to invest? – Opinions

In 2022, the loan originator Creditstar, which is also behind the Lendermarket platform, introduced a new product for investors that allows them to obtain a return of 7.25% to 8.33% with daily payments and quick access to their money, This is Monefit SmartSaver.

From 2024, you can also increase your interest rate to 8.87% to 9.96% with fixed-term deposits (Monefit SmartSaver Vault) in a range of 6 to 12 months.

What is Monefit SmartSaver?

Monefit SmartSaver is a new investment platform from Creditstar that offers investors a return of 7.25% to 9.96%. It allows direct investment in the group’s credit portfolio and provides relatively high liquidity (up to 10 days after the withdrawal request). The easy investment process is similar to the popular Bondora Go & Grow .

Here are the key points that define the product:

  • Annual yield of 7.25% to 8.33% (effective annual interest rate)
  • Minimum investment of 10 EUR.
  • Daily accrual of interest.
  • Quick availability of funds (within 10 days).
  • Without any type of commission for the investor.
  • Fully automated, you don’t need to do anything.
  • Credit card deposit possible.
  • Increase yield up to 9.96% with fixed-term deposits.

REGISTER in MONEFIT from this link and you will get a bonus of €5 +0.25% of everything you invest during the first 90 days.

How Does Monefit SmartSaver Work?

The interesting thing about the product and one of the reasons why it is appreciated by many is the fact that after the deposit, you don’t have to do anything at all! Monetit SmartSaver takes care of all the management in the background! Deposit your money and that’s it. Your only task is to check your interests regularly because, just like with Bondora Go and Grow, interests are credited daily!

In 2024, Monefit SmartSaver expanded to include the “Vault”. This product allows you to invest your money in a more fixed way. In exchange, you earn more interest, basically like a fixed-term deposit. Here you have 2 options:

  • Term of 6 months at 8.87%
  • 12 month term at 9.96%

Monefit bonus Promo Code

By registering through this link you will get a bonus of 5 euros, plus 0.25% of everything you invest during the first 90 days after registration.

How to Register in Monefit SmartSaver?

The registration process for Monefit SmartSaver is relatively simple. Click here and follow a multi-step process:

  1. Create your account: You will need to define your email address and password.
  2. Enter personal information: You will need to provide some details about yourself, such as name, address, etc.
  3. Document Verification: At the end, you will need to verify your identity with your ID card or passport.

After registration, you are ready for the first deposit.

REGISTER in MONEFIT from this link and you will get a bonus of €5 +0.25% of everything you invest during the first 90 days.

How to Deposit and Withdraw Money?

After setting up your account, you can transfer the initial funds to a provided bank account. If you use instant transfer services like Revolut or Wise , the money will often be available in the account much faster. In addition, Monefit offers us the possibility of depositing money through a bank card, something that is not available on other crowdlending platforms.

To withdraw funds, simply click “Withdraw” in your dashboard and follow the instructions.

How to invest in Monefit

Investing is as simple as clicking. On this platform you will not have to select loans or configure self-investment strategies. Simply decide if you want to have your money available or prefer a higher return and invest for a fixed term and your money will be invested automatically! and you will start earning interest from that very moment.

REGISTER in MONEFIT from this link and you will get a bonus of €5 +0.25% of everything you invest during the first 90 days.

Bondora vs Monefit: Which is better to invest in?

This comparison table will help you evaluate these two platforms:


Risks of investing in Monefit. Is it trustworthy?

Like all investments, Moneyfit SmartSaver carries risks! You must always keep these risks in mind.

  • Monefit is not a bank and therefore has no deposit protection.
  • This is an investment and not a savings account.
  • What happens with the money behind the scenes is not known.

In summary, Monefit SmartSaver offers an interesting investment option with a good opportunity for returns, but it also carries certain risks that investors should consider carefully.

If you want to start investing in Monefit, REGISTER HERE and you will get a bonus of €5 +0.25% of everything you invest during the first 90 days.

Alternatives to Monefit

In addition to the already mentioned Bondora , another interesting option to obtain profitability for our money, with daily interest and the possibility of withdrawing it at any time, is the D account of the Freedom24 broker , with the advantage of lower risk. Here you can learn more about this Freedom24 account and other savings plans they offer .

Welcome BONUS for NEW investors

Do you want to start investing? Registering from the following links you will get a bonus:

🎁 Bondora BONUS 5€

🎁 Esketit BONUS 0,5%

🎁 Estateguru BONUS 0,5%

🎁 Income BONUS 2% cashback of first investment

🎁 Income BONUS 1%

🎁 Lande BONUS 1%

🎁 Lendermarket BONUS 1%

🎁 Peerberry BONUS 0,5%

🎁 Urbanitae BONUS 1% cashback of first investment

🎁 Twino BONUS 20€ (minimum investment 100€)

🎁 Viainvest BONUS 1%

Carmen Corral

I invest in P2P lending since 2019. This type of investment was the first that I incorporated into my portfolio, due to its simplicity. Here and on the YouTube channel canal de YouTube I talk about my investments and crowdlending news.

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