Robocash. Smart & Automated P2P Investment Platform
Robocash is an automated P2P investment platform that has been operating since 2017. It serves investors from the European Union, Switzerland, and the United Kingdom.
The platform is part of the international financial holding UnaFinancial, headquartered in Singapore.
The holding structure includes fintech companies from Europe and Asia. Robocash offers the opportunity to invest in short-term and long-term loans issued by partner lending institutions, with a full buyback guarantee.
Key Features of Robocash
Investor Guarantees
Robocash Growth Data
Объемы инвестиций в Евро
Доход инвесторов в Евро
Количество зарегистрированных инвесторов с 2017 года
Investor Registration
Registering on the platform is simple and won’t take much time. However, an account can only be created as an individual, not as a company.
After completing the registration and making your first deposit, you can start investing in P2P loans. To do so, you must complete identity verification by providing an identification document and proof of registration.
Don't forget to keep an eye on bonus offers on the platform – they’re a great way to gain extra benefits!
How to Deposit Funds on Robocash
Adding funds to your account is the easiest step in investing. Simply go to your personal account and click the “Deposit Funds” button to view the payment details for the transfer.
Important: Your first transfer must be made from your personal bank account. This rule also applies to future withdrawals.
Depositing funds on the Robocash platform typically takes one to two business days. However, if you use services like Revolut, the transfer may be processed faster, though this is not guaranteed.
How to Withdraw Funds from Robocash
To withdraw funds from the P2P platform, simply use the “Withdraw Funds” button in the bottom-right corner of your account summary page. There are no withdrawal fees.
Funds can only be withdrawn to the bank account from which the deposit was made. If you wish to withdraw to a different account, you must first make a deposit from the new bank account.
Can a credit card be used for depositing and withdrawing funds?
Currently, depositing and withdrawing funds using credit cards is not available. All transactions are carried out through a bank account, which also serves to verify your identity.
How Robocash Works
In its essence, Robocash is an intuitive P2P platform designed for those who value simplicity and automation in investing.
I really appreciate the automation: the platform completely eliminates the need for manual management of investments. All funds are distributed automatically, freeing us from the need to individually select loans.
Of course, on the flip side, this might not be suitable for those who want to know the details of where every euro is invested. Robocash offers only a surface-level overview of current offers, providing a general understanding of where your investments are allocated.
For anyone who prefers short-term investments without the hassle, Robocash is an excellent choice, offering straightforward investments without unnecessary complexity.
Robocash Portfolio Setup
With Robocash, you can set up automatic investing by selecting your preferred countries and interest rates. The minimum amount for automatic investment is just €1 (though the minimum individual investment is €10).
You can also create multiple strategies to have more precise control over your portfolio. In the overview section, you’ll see all your strategies, the amount invested, and the interest earnings.
In which countries can you invest through Robocash?
On the platform, you invest in loans from UnaFinancial, which operates in many countries. Currently, Robocash offers loans from five different countries, including:
Countries You Can Invest in on Robocash
By the way, Singapore is rarely seen on the P2P scene. However, it’s important to note that these loans are not traditional loans but rather business loans provided directly by UnaFinancial Group to expand its Asian operations.
The parent company, UnaFinancial, also issues loans in other countries, but these are not yet connected to the platform. Therefore, we can certainly expect the addition of more markets in the future.
Income Options: Reinvest or Withdraw? Both is Possible.
Robocash offers five options for managing your investments and income:
- 1Balance – Funds are returned to your investment balance once the term expires.
- 2Payout – From €50, both invested funds and interest are transferred to your bank account.
- 3Reinvest Full Amount – All funds are automatically reinvested, no further action is required from you.
- 4Reinvest Invested Amount – Interest is credited to your balance, while the invested amount is reinvested.
- 5Send to Another Portfolio – Payouts from Auto Invest can be directed to another selected portfolio
My Investing Experience on Robocash Since 2019
My Average Interest Rate Over the Last Five Years
My average interest rate over the past five years has been 10.6%, which I consider a very good result. With an investment of €560, my earnings over the years amounted to €116, which is another clear indicator of the power of compound interest.
Basics of Investing
The Effect of Compound Interest: Why It’s Important to Start Investing Today
The power of compound interestYou can achieve significant financial success by investing even small amounts if you do it regularly. [...]
Is Investing Through Robocash Risky?
Investing through Robocash, a Croatian P2P platform with Russian roots, is considered one of the more stable options in the P2P market. I began investing on Robocash in 2019. Since then, the platform has faced some challenges but has successfully overcome them without drawing unnecessary attention. In any case, I haven’t noticed any changes in my income.
However, it's important to remember that all investments come with risks. Even stable platforms cannot guarantee profit by the end of the investment term. Therefore, the complete elimination of losses is not possible.
Will I Earn Interest for Loan Delays?
Robocash will pay you interest for all overdue days, equal to the loan's interest rate, as soon as the "Buyback Guarantee" is triggered.
What Is the Minimum Investment Amount on Robocash?
To start investing, you need to spend €10 per loan on the platform.
Does Robocash Offer a Buyback Guarantee?
Yes, the P2P platform offers a buyback guarantee. If a borrower is 30 days overdue on a payment, the loan will be repaid, including the interest accrued up to that point.
Is There a Tax Certificate for Robocash?
Yes, a tax certificate is available if needed. You can download it in the “Account Statement” section. Then, create a “New Listing” and select the type “Tax Certificate.” The downside is that it’s downloaded as an editable Word file rather than a secure PDF.