{"id":289092,"date":"2026-07-13T16:04:00","date_gmt":"2026-07-13T16:04:00","guid":{"rendered":"https:\/\/northern.finance\/unkategorisiert\/my-monefit-experience-daily-liquidity-and-7-per-cent-interest\/"},"modified":"2026-08-08T06:01:09","modified_gmt":"2026-08-08T06:01:09","slug":"monefit","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/monefit\/","title":{"rendered":"My Monefit review in 2026: How reliable is a 10.5 per cent interest rate?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">With Monefit\u2019s SmartSaver, investors currently have the opportunity to earn up to 10.5 per cent interest per year, with daily payouts. I\u2019ve been using the platform since the very beginning and have had a positive experience with Monefit so far. But how secure is Monefit really?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its parent company, Creditstar, reports record profits in its annual accounts, but also record levels of debt. I have therefore taken a critical look at Monefit. In this review, you\u2019ll find out whether the platform is worth it for you or whether you\u2019d be better off with alternatives.<\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">Monefit is one of the P2P platforms offering higher returns. Investors can earn up to 10.5% per annum.<\/li>\n<li class=\"infobox-li\">The parent company, Creditstar Group, is experiencing strong growth, thereby also bolstering investor confidence in Monefit.<\/li>\n<li class=\"infobox-li\">My experience with Monefit shows that the platform reliably pays interest, which, through consistent investment, contributes to sustainable wealth accumulation<\/li>\n<li class=\"infobox-li\">I have already invested over \u20ac14,000 and earn around \u20ac100 in interest each month, which I can withdraw daily if I need to.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">My Monefit review: What you need to know about the platform<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On Monefit, investors invest in loans from the Creditstar Group. The platform was founded in 2023 and now has over <strong>48,000 investors<\/strong>, who earn <strong>interest of between 7.5% and 10.5% per annum<\/strong>, depending on the product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2025, the average investment stood at <strong>\u20ac15,900 per investor<\/strong>, representing a substantial increase of \u20ac6,800 and demonstrating that the platform is increasingly attracting capital from investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monefit is now available in <strong>30 EU markets<\/strong> as well as Switzerland. Most investors come from Germany, Switzerland, Austria, Spain and Estonia.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"572\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-2.png\" alt=\"\" class=\"wp-image-339254\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-2.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-2-300x172.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-2-768x439.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">What makes Monefit special is its combination of <strong>flexibility and attractive returns<\/strong>. Whilst many higher-yield investments either have a fixed term or restrictions on access to capital, Monefit allows for easy management of the investment with <strong>daily access<\/strong> to the balance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, investors do not have to select loans themselves, but instead automatically invest in the <strong>Creditstar Group\u2019s loan portfolio<\/strong>. This makes Monefit an attractive option for investors who wish to enjoy a high degree of flexibility with minimal effort.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key information at a glance:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><strong>Foundation<\/strong><\/strong><\/td><td>2023<\/td><\/tr><tr><td><strong><strong>Head office<\/strong><\/strong><\/td><td>Estonia<\/td><\/tr><tr><td><strong><strong>Parent company<\/strong><\/strong><\/td><td>Creditstar Group<\/td><\/tr><tr><td><strong><strong>Investors<\/strong><\/strong><\/td><td>48.000+<\/td><\/tr><tr><td><strong><strong>Volume of financed investment<\/strong><\/strong><\/td><td>\u20ac450+ million<\/td><\/tr><tr><td><strong><strong>Return<\/strong><\/strong><\/td><td>approx. 7.5\u201310.5% p.a.<\/td><\/tr><tr><td><strong><strong>Minimum investment<\/strong><\/strong><\/td><td>10 \u20ac<\/td><\/tr><tr><td><strong>Auto-Invest<\/strong><\/td><td>Yes (automatic portfolio allocation)<\/td><\/tr><tr><td><strong><strong>Secondary market<\/strong><\/strong><\/td><td>No<\/td><\/tr><tr><td><strong><strong>Buyback Guarantee<\/strong><\/strong><\/td><td>No<\/td><\/tr><tr><td><strong><strong>Group guarantee<\/strong><\/strong><\/td><td>No<\/td><\/tr><tr><td><strong><strong>Regulation<\/strong><\/strong><\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Investing in loans on Monefit: The pros and cons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As with any P2P platform, Monefit also has pros and cons that are worth mentioning. Let\u2019s start with the pros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High flexibility: <\/strong>As a SmartSaver investor, you can withdraw your balance flexibly at any time. This sets Monefit apart from platforms where capital is tied up for a fixed term.<\/li>\n\n\n\n<li><strong>Attractive interest rates: <\/strong>Monefit is one of the P2P platforms offering attractive interest rates. Depending on the product, investors can earn interest rates of between 7.5% and 10.5% per annum.<\/li>\n\n\n\n<li><strong>Daily interest crediting:<\/strong> Interest is calculated daily and credited to your balance. This means that, as an investor, you automatically benefit from the compound interest effect.<\/li>\n\n\n\n<li><strong>Quick payouts: <\/strong>With SmartSaver, you can have amounts of up to \u20ac1,000 paid out immediately, which is already sufficient for many investors.<\/li>\n\n\n\n<li><strong>Automatic reinvestment:<\/strong> You can automatically reinvest the interest you earn. This allows you to benefit from the power of compound interest and grow your assets even faster.<\/li>\n\n\n\n<li><strong>Regulation:<\/strong> The companies within the Creditstar Group are regulated in the respective countries in which they grant loans. The group ensures that all lending complies with the applicable legal requirements and is carried out in accordance with the principles of responsible lending.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The disadvantages of Monefit include:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limited transparency:<\/strong> As investors do not invest directly in individual loans, it is less easy to trace the specific use of the funds than on traditional P2P platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>High dependence on the parent company:<\/strong> Monefit\u2019s performance is largely dependent on the financial success of the Creditstar Group. Whilst the company is currently performing well, any financial difficulties could have a direct impact on Monefit investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>No buyback and no group guarantee:<\/strong> Unlike many other P2P platforms, Monefit does not offer a traditional buyback guarantee for individual loans. Nor is there a group guarantee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>No secondary market:<\/strong> Investors cannot buy or sell loans on the secondary market. Instead, they are reliant on Monefit\u2019s regular disbursement processes.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/ebe1eqIC8vc?si=fcUhdusNn6QC1sRf\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">How does investing in Monefit\u2019s consumer loans work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The way the consumer loan platform works is simple:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The parent company, Creditstar, raises capital for the group via bonds and P2P platforms.<\/li>\n\n\n\n<li>This capital is used to grant loans to consumers in what are now eight European countries, in all of which Creditstar is regulated:\n<ul class=\"wp-block-list\">\n<li>Estonia<\/li>\n\n\n\n<li>Finland<\/li>\n\n\n\n<li>Sweden<\/li>\n\n\n\n<li>Denmark<\/li>\n\n\n\n<li>Poland<\/li>\n\n\n\n<li>United Kingdom<\/li>\n\n\n\n<li>Spain<\/li>\n\n\n\n<li>Czech Republic<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The capital invested is automatically spread across a wide range of loans within the Creditstar Group, meaning investors do not have to select individual loans themselves. This diversification reduces the risk of individual loan defaults and can result in a more stable overall return.<\/li>\n\n\n\n<li>Before granting a loan, the Creditstar Group assesses borrowers\u2019 creditworthiness based, amongst other things, on their income and financial situation. The loans are then repaid in monthly instalments, including interest and fees. Depending on the specific loan product and country, the total cost of the loan can amount to around 30 per cent over the term.<\/li>\n\n\n\n<li>Repayments made by borrowers form the basis for interest payments to SmartSaver investors. Depending on the investment product chosen, returns of up to 10.52% p.a. are possible. A portion of the proceeds remains with Monefit or the Creditstar Group<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"885\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33-1024x885.png\" alt=\"Gesch\u00e4ftsmodell von Monefit\" class=\"wp-image-339181\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33-1024x885.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33-300x259.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33-768x664.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33-1536x1327.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-33.png 1868w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">An interesting observation for me: more than half of all invested funds go into what are known as \u201cVaults\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vaults are customisable sub-accounts where money is held for a fixed term, for which investors generally receive <strong>higher interest rates of up to 10.5%<\/strong>. A true sign of investors\u2019 confidence in Creditstar and Monefit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How your wealth grows on Monefit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Monefit\u2019s SmartSaver is a simple investment product that allows you to build your wealth in a targeted and straightforward way. This is also reflected in all the reviews for Monefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">My current portfolio stands at <strong>\u20ac14,311<\/strong>. Assuming you start with this amount and invest \u20ac500 a month at 7.5%, you would have accumulated over \u20ac56,000 after 5 years (excluding tax).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"728\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-2.png\" alt=\"\" class=\"wp-image-339260\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-2.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-2-300x218.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-2-768x559.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If you stay disciplined and invest for a full 10 years, your assets would grow to a total of <strong>\u20ac117,826<\/strong>. So you can see that investing regularly in attractive asset classes is definitely worthwhile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Creditstar Group Review: Just how profitable is the parent company really?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Creditstar Group\u2019s annual accounts have been <strong>audited by KPMG<\/strong> and are therefore prepared in accordance with IFRS. This alone demonstrates that this is a high-quality and trustworthy document.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And even a quick glance at Monefit\u2019s latest annual accounts reveals that all of the company\u2019s indicators are showing a positive upward trend:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>from the loan portfolio, which has risen to \u20ac482 million over the last two years,<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>to the increased interest rates that Monefit itself pays out<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>and to turnover, which has broken the \u20ac100 million mark for the first time.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"530\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30-1024x530.png\" alt=\"\u00d6ffentliche Zahlen von Monefit\" class=\"wp-image-339169\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30-1024x530.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30-300x155.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30-768x397.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30-1536x794.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-30.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profit:<\/strong> Another positive aspect is that the company\u2019s profit has almost doubled from \u20ac7.2 million in 2024 to \u20ac13.5 million in 2025! It must be noted, however, that this was achieved by taking on a considerable amount of debt, as can be seen under the \u2018Borrowings\u2019 section in the figure above.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Debt ratio:<\/strong> The trend in debt becomes clear when looking at the net debt-to-equity ratio. According to the terms of Creditstar\u2019s bond agreements, debt may rise to a maximum of five times the equity before the bond matures.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">At Creditstar, <strong>debt now stands at 4.9 times<\/strong> equity. The company is therefore operating at the absolute limit of what is contractually permitted. Whilst an increase in debt strengthens returns for investors, it also significantly restricts the scope for taking on further debt.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"433\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32-1024x433.png\" alt=\"\u00d6ffentliche Zahlen von Monefit\" class=\"wp-image-339175\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32-1024x433.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32-300x127.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32-768x325.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32-1536x650.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-32.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Margin:<\/strong> In 2025, Creditstar\u2019s loan portfolio achieved a margin of 14.4 per cent, which is a very healthy figure.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compound annual growth rate (CAGR):<\/strong> The Creditstar Group\u2019s loan portfolio has grown by an average of 27.2% per year since 2020. This also represents very impressive growth for Monefit\u2019s parent company.<\/li>\n\n\n\n<li><strong>Registered users:<\/strong> As at 31 December 2025, there were a total of 1.7 million registered users, representing an increase of over 280,000 users compared with the previous year.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">All in all, it can definitely be said that the Creditstar Group has steadily established itself in various markets in recent years and continues to achieve strong growth. Investors should, however, keep an eye on the group\u2019s <strong>debt ratio<\/strong>, as it is currently walking a very fine line.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monefit Risk<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Creditstar Group\u2019s annual financial statements also show how punctually the respective loans are repaid, allowing investors to draw conclusions about the platform\u2019s reliability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The loans are divided into three tiers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tier 1:<\/strong> Around 83% of the total loan portfolio was repaid on time, i.e. without even a single day\u2019s delay. For 4% of the loans, there was a delay of up to 30 days.<\/li>\n\n\n\n<li><strong>Tier 2:<\/strong> Around 1.8% of loans were delayed by between 31 and 90 days. This corresponds to approximately \u20ac10 million.<\/li>\n\n\n\n<li><strong>Tier 3:<\/strong> Around 11% of the total loan portfolio was delayed by more than 90 days, which amounts to \u20ac58 million and represents a decrease compared with the previous year.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These thoroughly healthy figures clearly demonstrate that Creditstar has its credit risk under control, which is a positive sign from an investor\u2019s perspective.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To be fair, it should be noted at this point that <strong>\u20ac27 million in loans were written off in 2025<\/strong>. There are therefore still some loan defaults, although this is common for P2P platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A look at the <strong>geographical distribution<\/strong> of the loans shows that the home market of Estonia remains the largest, followed by Spain, Finland and Poland. The loans are therefore also geographically diversified, which helps to reduce country risk.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"483\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29-1024x483.png\" alt=\"Kreditaufteilung auf die L\u00e4nder\" class=\"wp-image-339157\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29-1024x483.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29-300x141.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29-768x362.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29-1536x724.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-29.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Creditstar is therefore not only profitable but also strong in terms of the quality of its loan portfolio. Sounds perfect, doesn\u2019t it? Unfortunately, on closer inspection of its <strong>liquidity<\/strong>, the enthusiasm wanes somewhat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monefit Liquidity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Creditstar Group\u2019s annual financial statements clearly show the cash flow the company expects to generate from its <strong>liabilities and assets<\/strong> over the coming months. The figure below shows the breakdown.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"440\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31-1024x440.png\" alt=\"Cashflow\u00fcbersicht von Monefit\" class=\"wp-image-339163\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31-1024x440.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31-300x129.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31-768x330.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31-1536x659.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/02\/image-31.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Over the 1\u20136-month period, liabilities of <strong>\u20ac181 million are due<\/strong>. At the same time, the company receives only \u20ac44 million in assets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For many investors, this raises alarm bells, as it would appear that Creditstar is unable to meet its liabilities \u2013 though this is only partly true. What Creditstar is doing here is known as <strong>maturity transformation<\/strong>.<\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">In the case of Creditstar, maturity transformation means that the company uses investor funds that are available at short notice (e.g. via Monefit SmartSaver with flexible payouts) to finance longer-term consumer loans.&nbsp;<\/p> \n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, the <strong>total assets of \u20ac540 million<\/strong>, compared with total liabilities of \u20ac460 million, show that Creditstar remains on a solid footing as long as investors continue to trust the company and reinvest their money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In times of genuine crisis, either flawless liquidity management or an increase in interest rates is required to continue attracting investors and their capital. In the long term, this could pose a challenge for Creditstar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Monefit SmartSaver experience: How my \u20ac14,000 portfolio is performing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">My assets with Monefit currently amount to just over <strong>\u20ac14,300<\/strong>. This puts me just below the average of \u20ac15,900 that investors have invested on the platform.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I\u2019ve invested just over half of this in the standard SmartSaver, where my money is available daily and which earns me around 7.5% interest. The other half is tied up in my <strong>Vaults<\/strong>, through which I earn around 10%<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"710\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-8-1.png\" alt=\"\" class=\"wp-image-339267\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-8-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-8-1-300x213.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-8-1-768x545.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Between January and June 2026, I have already earned <strong>\u20ac621 in interest<\/strong> on Monefit, broken down as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Month<\/strong><\/td><td><strong>Interests<\/strong><\/td><\/tr><tr><td>January<\/td><td>107,80 \u20ac<\/td><\/tr><tr><td>February<\/td><td>104,32 \u20ac<\/td><\/tr><tr><td>March<\/td><td>111,44 \u20ac<\/td><\/tr><tr><td>April<\/td><td>102,86 \u20ac<\/td><\/tr><tr><td>May<\/td><td>96,74 \u20ac<\/td><\/tr><tr><td>June<\/td><td>97,97 \u20ac<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>621,13 \u20ac<\/strong><br><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">For my investments with Monefit, I use the Auto-Invest feature, which invests on my behalf every month. At the moment, this amounts to \u20ac500 each month. As the Creditstar Group has made me feel so positive with the latest figures from its annual accounts, I <strong>invested an additional \u20ac500<\/strong> in June.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Based on my experience with Monefit so far and the latest financial results, I\u2019m continuing to use Monefit as an interesting addition to my portfolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Hard financial figures reflect Monefit\u2019s success<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although Monefit is still a relatively young platform, it has proven itself to be a strong player in the P2P market in recent years. In particular, the audited annual accounts of the parent company, Creditstar Group, demonstrate the operational success of its core business: an interest margin of 14.4 per cent and a declining proportion of overdue loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alongside its substantial cash buffer and the record profit achieved in 2025, Creditstar is also reporting record levels of debt. This high level of debt enables the company to achieve strong growth and higher returns, but at the same time increases its dependence on functioning capital markets and stable investor confidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The performance over recent years points to a growing and profitable company. At the same time, investors should continue to monitor the high level of debt and the reliance on external capital. In any case, I\u2019m staying invested in Monefit and will continue to make my monthly investments, thereby earning interest of around \u20ac100 every month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take a look at my platform comparison <a href=\"https:\/\/northern.finance\/en\/review\/monefit-vs-bondora\/\">Monefit vs. Bondora<\/a> if you\u2019d like to find out more about Monefit and an exciting alternative to it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ &#8211; Frequently asked questions about Monefit SmartSaver<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-d8fe05cc uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-false uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b647ffc8 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>How secure is Monefit?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Monefit is part of the Creditstar Group, a European financial services company with many years\u2019 experience in the lending sector and strong financial results. This also strengthens Monefit as a platform.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-97b5256e \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>What are the interest rates on SmartSaver?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>With the more flexible option, you can earn up to 7.5% a year, whilst with fixed-term deposits you can earn as much as 10.5%.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-ee27dd18 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>What are the disadvantages of Monefit?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>One of the biggest drawbacks is the high degree of dependence on the parent company, Creditstar Group. Financial difficulties have a direct impact on Monefit investors.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ad9f194 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>Who is Monefit suitable for?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>For investors looking for a flexible platform and attractive interest rates, and who wish to further diversify their portfolio.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>With Monefit\u2019s SmartSaver, investors currently have the opportunity to earn up to 10.5 per cent interest per year, with daily payouts. I\u2019ve been using the platform since the very beginning and have had a positive experience with Monefit so far. But how secure is Monefit really? Its parent company, Creditstar, reports record profits in its [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":339247,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-289092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail.png",1000,563,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail.png",1000,563,false],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail.png",1000,563,false],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/EN-Thumbnail.png",1000,563,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/phil-nf\/"},"uagb_comment_info":0,"uagb_excerpt":"With Monefit\u2019s SmartSaver, investors currently have the opportunity to earn up to 10.5 per cent interest per year, with daily payouts. I\u2019ve been using the platform since the very beginning and have had a positive experience with Monefit so far. But how secure is Monefit really? Its parent company, Creditstar, reports record profits in its&hellip;","_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=289092"}],"version-history":[{"count":41,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289092\/revisions"}],"predecessor-version":[{"id":340087,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289092\/revisions\/340087"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/339247"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=289092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=289092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=289092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}