Quick answer: To celebrate SmartSaver’s fourth birthday, Monefit is offering a limited-time 12-month Birthday Vault paying 10% to 11% APY, depending on how much you invest — its highest-ever rate on a 12-month Vault. The offer is open to new and existing investors from 28 October to 3 November 2026, starts from €100, and comes with a 30-day top-up window. Monefit is also running a “4 years, 4 friends” referral campaign worth up to €250.
Happy 4th birthday, SmartSaver
Monefit SmartSaver is celebrating four years with two limited-time gifts for investors: a special 12-month Vault paying up to 11% APY, and a boosted referral bonus worth up to €250 for referring four friends during birthday week.
It’s been quite a run since the 2022 launch. According to Monefit’s latest figures, SmartSaver now counts 53,000+ investors, over half a billion euros invested, more than €37 million paid out in returns, and a 4.7 Trustpilot rating. For context, those numbers stood at around 48,000 investors and €450 million invested just a few months ago — so the growth is still accelerating.
What is the SmartSaver Birthday Vault?
The Birthday Vault is a special 12-month Vault offering Monefit’s highest-ever rate on that term, up to 11% APY. Even the entry level beats the standard offer: you can open it from €100 at 10% APY, compared to the 9.42% a regular 12-month Vault pays.
The more you invest, the higher your rate climbs:
| Amount invested | 12-month APY |
|---|---|
| €100 | 10.00% |
| €5,000 | 10.20% |
| €10,000 | 10.39% |
| €20,000 | 10.80% |
| €25,000+ | 11.00% |
Rates increase gradually between these levels rather than in big jumps, and for amounts above €25,000 the expected APY stays at 11%.
What does that look like in practice? As an illustration, €10,000 in the Birthday Vault at 10.39% APY would earn roughly €1,039 over 12 months, compared to about €942 in a regular 12-month Vault at 9.42% — around €97 extra for the same commitment. (Returns are expected, not guaranteed.)
The 30-day top-up window: a first for SmartSaver
This is the Birthday Vault’s cleverest feature. Monefit has extended the Vault “locking” period to 30 days, so you have 30 days after opening to add more money and your rate is set by the amount in your Vault on the day it locks.
That means you can open with just €100 during birthday week to secure your spot, then build it up over the following month. Importantly, top-ups are allowed even after the campaign period has ended, as long as you’re within your 30-day window. Each time you add money, your expected APY is recalculated based on the new total.
Who can open a Birthday Vault?
Any verified SmartSaver investor, new or existing, can open one. You can fund it with new deposits or move money you already hold in your SmartSaver Main Account.
A few rules worth knowing before you open one:
- One per investor. Each SmartSaver user can open only one Birthday Vault.
- No auto-renew. When the 12 months are up, your money automatically moves back to your standard SmartSaver Main Account.
- Returns are paid at the end. The option to receive Vault returns monthly isn’t available on the Birthday Vault, and any Passive Income transfer you’ve set up won’t include Birthday Vault returns.
- Early exit forfeits the extra returns. If you leave before the 12 months end, the additional Vault returns aren’t paid out, and your funds move back to your Main Account after 30 days.
- No stacking. The Birthday Vault can’t be combined with other Monefit promotions unless Monefit states otherwise.
These conditions are standard for a fixed-term product, but they make the Birthday Vault best suited to money you’re confident you won’t need for a full year.
Bonus: “4 years, 4 friends” referral campaign
Alongside the Vault, Monefit is boosting its referral rewards from 28 October to 3 November, with the bonus growing for each friend you refer:
- 1st friend: you both get €25
- 2nd friend: you get €50, they get €25
- 3rd friend: you get €75, they get €25
- 4th friend: you get €100, they get €25
Refer all four and you earn €250 in total. A referral counts once your friend signs up, deposits €100, and keeps it invested for 90 days — that’s when both bonuses are paid out.
How long is the offer available?
Not long. The campaign runs from 28 October 2026 at 10:00 EET until 3 November 2026 at 23:59 EET, unless Monefit ends it earlier. If you’re interested, open your Birthday Vault during that window, even with €100 and use the 30-day top-up period to add more.
You can open it on the web or directly in the SmartSaver app, now available on Android and iOS.
Is the Birthday Vault a good deal?
For investors who already use SmartSaver Vaults, it’s a straightforward win: the same 12-month commitment, with a meaningfully higher rate than the standard offer at every investment level. For new investors, it’s an attractive entry point backed by four years of on-time payouts.
As always, it’s worth remembering what SmartSaver is: an investment in Creditstar Group’s consumer loan portfolio rather than a bank deposit. For a full look at how the product works and how it fits into a diversified portfolio, read our Monefit SmartSaver review, or see how it compares to similar products in our Monefit vs Bondora vs Afranga SaveSmart comparison.
Frequently asked questions
A limited-time 12-month Vault celebrating SmartSaver’s fourth birthday, paying an expected 10% to 11% APY depending on the amount invested — higher than the standard 12-month Vault rate of 9.42%.
The campaign runs from 28 October 2026 (10:00 EET) to 3 November 2026 (23:59 EET). You can keep topping up your Vault for 30 days after opening it, even after the campaign ends.
€100, which earns 10% APY. Investing €25,000 or more earns the maximum 11% APY.
Yes. Both new and existing verified investors can open one, using new deposits or funds already in their SmartSaver account. Each investor can open only one Birthday Vault.
You can, but you’ll lose the additional Vault returns, and your funds will move back to your Main Account after 30 days.
Between 28 October and 3 November 2026, each successful referral earns an increasing bonus — €25, €50, €75, then €100 — for up to €250 total. Your friend receives €25. Bonuses are paid after the friend has kept a €100 deposit invested for 90 days.
Capital at risk. Expected returns are not guaranteed. Terms and conditions apply — read the Birthday Celebration Terms and Conditions and the “4 years, 4 friends” referral terms. This article is for informational purposes and is not investment advice.
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