Monefit Bonus 2025: Secure €5 credit plus cashback now!
If you are considering becoming an investor with Monefit, there is a nice advantage right from the start: an attractive Monefit bonus of €5 plus 0.5% cashback. This makes investing even more fun and gives you a little interest head start right away.
The most important facts at a glance:
| Foundation | 2006 |
| Company headquarters: | Riga, Latvia |
| Management: | CPO Kashyap Shah |
| Assets under management: | Over EUR 288 million |
| Financed credit volume (10/2025): | EUR 19 million |
| Regulated: | P2P platform not regulated, credit brokers are regulated |
| Annual report: | Available |
| Investors: | Over 26.000 |
| Returns: | 7.5% with immediate availability Up to 10.52% for ‘Vaults’ with a term |
| Buy-back guarantee: | None |
| Minimum investment amount: | 10 EUR |
| Auto-Invest: | Yes |
| Secondary market: | No |
| Tax certificate: | Yes |
| Bonus programmes: | €5 instant bonus plus 0.5% for 90 days with my registration link |
Conclusion: Why I invest in Monefit
The Monefit platform is still a relatively new provider in the P2P investment sector, but has quickly made a name for itself among P2P investors thanks to its clearly structured product, Monefit SmartSaver. The platform is backed by the Creditstar Group, an established financial services company with many years of experience in the lending business.
Monefit offers private investors the opportunity to invest indirectly in consumer loans without having to actively manage the lending process themselves. The lending originates primarily from Estonia, Lithuania and other European markets, with Monefit placing a strong focus on short maturities.
Security at Monefit
In terms of security, Monefit scores highly with its well thought-out concept: instead of selecting individual loans themselves, investors automatically invest in a broadly diversified lending portfolio that is continuously monitored. All loans originate from the Creditstar Group itself, which is an additional vote of confidence. The company is licensed and regulated in Estonia, providing a solid legal foundation.
Another important note: the lendings are not secured in the traditional sense, but are consumer loans. However, Monefit has proven to be stable in times of economic fluctuation and has paid out reliably to date.
Return opportunities with Monefit
Monefit currently offers interest rates ranging from around 7.5% to 10.52% per annum, depending on the product selected and the respective term. Daily interest payments and fully automated reinvestment of earnings enable attractive compound interest effects.
Personally, I achieve an annual return of 10.5% with Monefit, which is very respectable for a passive investment of this kind. The platform thus stands out clearly from traditional instant access savings accounts and fixed-term deposits, while offering significantly lower volatility than equity investments.
My Monefit review: 10.5% interest on over €11,000
Looking back, I have to say that I should have started earlier. The platform has proven to be surprisingly flexible and profitable for me. I have now invested over €11,000, divided between two areas:
- I have around €10,100 in my main account, where I currently earn 7.5% interest with daily availability.
- I have invested another €4,300 in Vaults, which offer interest rates of up to 10.52% but also have terms of up to two years.
All in all, I am very satisfied with the combination of flexibility and attractive returns.
Automated investing with Monefit SmartSaver
The core of the platform is the Monefit SmartSaver product, a fully automated investment product that allows investors to invest in a mix of consumer loans. The investment strategy is managed by Monefit, so you don’t have to deal with individual borrowers or sift through loan lists yourself.
The daily interest calculation works similarly to a savings account with a running interest display. This means you can see how much interest you have already earned at any time.
Costs at Monefit
The fee model is simple and transparent: there are no account management fees and no costs for deposits or withdrawals. There are also no withdrawal fees for payouts.
Offer at Monefit
The range of products offered by Monefit is deliberately kept lean, as SmartSaver is currently the only investment product available, but its simplicity is impressive. Instead of having to deal with various risk products, there is a clear line here: one product, one interest rate, daily interest and available at any time. Only the payout can take up to 10 working days.
This makes Monefit particularly interesting for people who are looking for a simple, secure and yet high-yield alternative to traditional forms of saving or ETFs. The platform is intuitively designed, support is responsive, and everything seems well thought out. I am very satisfied with Monefit and can recommend the platform with a clear conscience.
