ROBOCASH – Is it PROFITABLE to invest NOW? Opinions

Robocash is a P2P lending platform that offers good performance and diversification across several countries and continents. In addition, all loans are collateralised by a repurchase guarantee.

Here you can see where it ranks in our ranking of the best crowdlending platforms.

what is Robocash?

Robocash is a crowdlending investment platform that was born in 2017 and is currently based in Croatia.

It belongs to the Unafinancial Group (formerly Robocash Group) which was founded in Russia in 2013. They are currently headquartered in Singapore and operate in several countries in Asia and Europe offering mainly short and long-term consumer loans and some business loans.

Within Robocash we can diversify our investments between different countries and loan originators of the same group.

✳️ Types of loans: consumer and corporate, short term and long term

✳️ Interest rate: 8-13%

✳️ Loan terms: 1-36 months

✳️ Automatic investment: yes

✳️ Secondary market: yes, but limited

✳️ Repurchase guarantee: yes

✳️ Fees and commissions: no commissions

✳️ Language: English

✳️ Minimum investment: €10

✳️ Bonus: Currently Robocash has no bonus, subscribe to the fortnightly newsletter, and we will inform you of exclusive bonuses for subscribers and other news from platforms and the crowdlending market.

✳️ Registration link: Click HERE

Advantages of investing in Robocach

✔️ High profitability

✔️ All loans have buyback guarantee (afte 30 days)

✔️ No payments have ever been outstanding or in recovery


❌ Lack of statistics on investments

❌ Unintuitive interface

Requirements for investing in Robocash Who can invest?

Companies and individuals of legal age who are residents of a European Union country, the United Kingdom or Switzerland can invest in Robocash. Citizens of non-EU countries are currently not eligible to invest in Robocash.

To start investing, you will need to complete the registration form and verify your identity.

how do I deposit money into Robocash?

To start investing you will need to deposit money via bank transfer, indicating your customer number, which appears together with your bank details, under Top up your account.

how to withdraw money from Robocash?

You can withdraw money that you are not invested on the platform by making a transfer to your bank account, from which you have first transferred at least 10 Euros to the platform. There is no withdrawal fee.

Robocash Bonus Promo Code (Promo Code)

Robocash currently has no welcome bonus for new investors.

Subscribe to our fortnightly newsletter, and we will inform you about exclusive bonuses for subscribers and other platform and crowdlending market news.

Sign up to Robocash and start investing here

How to invest in Robocash Autoinvest

On Robocash only automated investing is possible by setting up an investment strategy. You will not be able to make a manual investment by choosing one by one from the available loans, as on other platforms.

Register with Robocash and start investing here

Secondary market on Robocash

Robocash has a secondary market.

If you want to sell a loan you will need to go to the My Investments menu and select the loan(s) you want to sell. A drop down menu will appear at the bottom of the screen and you will need to confirm the transaction by clicking on SELL.

 mercado secundario robocash

It is not possible to apply any premium or discount to the loan, it will be sold for its value.

The only way to buy loans in the secondary market is by selecting the Secondary Market option when setting up an auto-investment strategy.

Robocash does not charge any fees for selling or buying loans in the secondary market.

Robocash Buyback Guarantee

All loans on the Robocash platform have the same repurchase guarantee. This applies when the borrower is more than 30 days late. The platform will buy back the loan by paying the principal plus interest due.

This is a shorter term than the usual term offered by other platforms in the P2P and crowdlending market, where the buyback guarantee is usually applied after 60 days of delay.

Register with Robocash and start investing here


The investment opportunities we will see on the platform offer a return of between 8% and 13% per annum. The highest returns are on long term loans and will be lower on short term loans.

In my investment portfolio, which I update monthly, you can see the returns I get on this and other platforms. Also if you subscribe to the newsletter I send out every fortnight with the latest news on crowdlending.

rentabilidad robocash

Robocash Spain

One of the group’s loan originators working in Spain is Prestamer.

The Robocash platform is headquartered in Croatia.

Taxation: How to declare Robocash interest?

Robocash does not withhold any withholding tax. We are responsible for declaring the interest we receive.

You can download the tax information by going to Statement > A new statement, choosing the start of a period, the first day of the year, and the end date, the last day of the year, and selecting Tax Report.

Fiscalidad Robocash

Here you can read more about how to file your tax return and taxation of crowdlending investments.

Robocash Opinions

On trustpilot you can find out what other investors of the crowdlending platform have to say about Robocash.

Robocash Trustpilot

My opinion on Robocash

I like the platform’s track record. I invest in Robocash, since I started investing in crowdlending, at the beginning of 2019.

You won’t see huge marketing campaign deployments, nor will you probably hear much about this platform. However, it is constantly growing and improving.

In these years investing I have seen how they have changed and improved, little by little, some details of the platform that investors demanded, such as the secondary market.

Although it is not as simple and intuitive as others, it is a platform suitable for new investors who are just starting out in crowdlending.

I miss more statistics and graphs about our investments.

Although all the loans belong to originators from the same group, it is interesting the diversification you get between different countries, in Europe and Asia.

Here (in my crowdlending portfolio) you can follow the size of Robocash in my crowdlending investment portfolio and the return I get, updated monthly.

Sign up to Robocash and start investing here

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%

Product Name
EUR 10

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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