Help Centre

General Information

SmartSaver gives you the opportunity to grow your savings at a 7% annual return with the advantage of having your funds accessible. With a 7% annual profit, paid monthly, you will see your investment bring you close to realise whatever kind of project you have in mind such as a spacious house or a bright future for your children. SmartSaver allows you to withdraw your savings whenever you want so you can face any unexpected needs with serenity.

The investments made with SmartSaver will be used by Creditstar Group to fund consumer loans issued in Europe. Creditstar Group is a consumer lending company with more than 16 years of experience in offering consumer loans and credit lines that allow customers to pay over time for just about anything.
Creating an account is easy and should not take more than a few minutes. Simply start the registration here: www.smartsaver.monefit.com/account/signup. After you have registered your contact details, you are required to verify your identity.
Both natural persons and companies can only have one user account on SmartSaver.
We invite both individuals and companies to join SmartSaver. Individual are required to:
  • - be at least 18 years old,
  • - have a personal bank account in the European Economic Area or Switzerland,
  • - and have their identity successfully verified by the SmartSaver team.
Family trusts, partnerships, limited liability companies, and other organizations must have a bank account in the EEA or Switzerland.

Please check the dropdown menu in the registration form to confirm if your country of residency and tax residency are included.
To verify the identity and before depositing funds, you’ll be required to upload the following copies of identification documents:

Representative of the Company
- Evidence to show the authority of the representative to act on behalf of the company.

Company
- A copy / photo of Certificate of Incorporation and
- A copy of commercial register within the last 3 months confirming that the company remains registered on that registry’s register of Companies and / or is in good standing, registered office address, country of tax residence.

Ultimate Beneficial Owners of the company
- A copy of both sides of valid local identity card or copy of passport from all Ultimate Beneficial Owners.
We are here to help you save money, and that means we won’t charge fees of any kind for creating a SmartSaver account, adding funds or withdrawing funds. Nevertheless, your bank or money transfer service provider may charge additional fees for transfers.
You shall be fully responsible for paying all taxes arising from any repayments obtained as a result of its investment based on the legislation of the respective country. All repayments will be paid from SmartSaver to your bank account without any deduction or withholding for or on account of any tax.Monefit SmartSaver does not provide any tax advisory services to the investors and we strongly suggest seeking professional tax advice.
Currently, we confirm only one active and verified bank account for each user of SmartSaver. The bank account used for the deposits will become an investor's default bank account.
It’s easy! You need to transfer at least €0.01 from your new bank account for verification purposes. Your new bank account will be registered under your profile, then you will be able to deposit and withdraw funds to such account.Please note that you can only switch to a bank account opened in a bank operating within the European Economic Area (EEA) or Switzerland.

Adding funds to your SmartSaver account

You can transfer money to your SmartSaver user account from your personal or company bank account.
Transfers in Euro can be done easily and at low cost using SEPA (Single Euro Payments Area) transfer

If your bank does not use SEPA transfers, your payment will be automatically rejected. We do not accept SWIFT transfers.

You will find the bank details in your user portal, including your reference number. It is mandatory to add your reference number on the transaction in order for us to associate the transfer to your account.
No, transfers are only accepted from the same bank account holder as the SmartSaver account.
We only accept transfers in Euro.
The money transferred will be converted automatically according to the exchange rate of the respective bank or it will be returned to the sender. There may be some loss of funds due to the exchange rate or the bank fee for returning an incorrect payment.

Withdrawals

You can initiate a withdrawal from your SmartSaver account at any given time from your user portal. Remember you can only withdraw funds to the same bank account from which your transfers were originally made.

Monefit SmartSaver imposes no charges for withdrawals. Nevertheless, your bank or money transfer service provider may charge additional fees for transfers.
In most cases, SmartSaver will process your withdrawal within 10 business days after your request. You will receive interest payments for the days between the request of the withdrawal and the execution of the withdrawal. Additionally, payments can take 1 to 3 more business days depending on various factors, such as the time of your withdrawal request, national holidays, and the bank receiving the funds.
It’s easy! You need to transfer at least €0.01 from your new bank account for verification purposes.Your new bank account will be registered under your profile, then you will be able to deposit and withdraw funds to such account. Please note that you can only switch to a bank account opened in a bank operating within the European Economic Area (EEA) or Switzerland.
The minimum amount for withdrawal is €50. Monefit SmartSaver does not charge any fees for withdrawals. If the account value is less than €50, investors can only withdraw the total amount of their account value.

Using SmartSaver

You can see all of the transactions in your account under the “Account statement” page. Alternatively, please navigate to the “Overview” page for a summary of received payments.

SmartSaver allows you to earn a stable 7% interest per annum. Fixed interests are calculated monthly, and added to your SmartSaver account on the 10th of each month. This allows you to enjoy the compound interest as you grow your wealth overtime.

Disclaimer
We kindly ask you to note that no guarantees are offered for investments made with SmartSaver. We advise to carefully evaluate the risks associated with investing in consumer loans and seek professional advice before starting to invest money via SmartSaver. For more info please also familiarize yourself with the Risk Disclosure Statement. Considering the operating principles of SmartSaver you may not always be able to withdraw the full investment amount immediately, in which case you will simply receive payouts in installments instead.