Is SaveSmart the same as a bank deposit?
No. SaveSmart is not a deposit - your investment is a private loan made through Afranga and carries investment risk. It is not covered by deposit guarantee schemes, as bank deposits typically are.
SaveSmart
Fixed terms. Fixed returns. Your choice.
If you wonder how to make your idle cash work harder - SaveSmart is a simple, worry-free way to invest and earn monthly interest
ECSP Licensed
FSC Bulgaria
Built for Simplicity
Easy to start, easy to manage.
Flexible Terms
3, 6 or 12 months
Early Withdrawal
Access funds when needed
Investment Calculator
See how much you will earn
Investment Amount
€10,000
€100€50,000€100,000
Choose Term
September cashback: +2% on the 12-month term
+€200 on top of your interest, paid on 5 October. Ends 30 September.
Your projected returns
Initial Investment€10,000
Interest Earned+€1,000
Total at Maturity€11,000
Backed by real estateInterest paid monthly · Principal returned at maturity
+ €200 cashback on top, paid on 5 October
Based on a 12 months · 9.00% p.a.
Start investing
Capital at risk.
September campaign
Up to +2% cashback on every SaveSmart Investment this September.
Invest in SaveSmart between 1 and 30 September and we add a bonus on top of your fixed interest. It is paid 5 days after the campaign ends.
1
Create Your Account
Sign up in minutes with our streamlined verification process. All you need is a valid government-issued ID.
2
Invest in SaveSmart
Deposit and Invest in one of the offered SaveSmart terms offering cashback bonus up to 2%
3
Get your Bonus
After the campaign ends your bonus lands in your account on top of the monthly interest payments
Capital at risk. Not covered by a deposit guarantee scheme or an investor compensation scheme.
How Early Withdrawal Works
You can withdraw up to 30% of your SaveSmart investment at any time, up to a maximum of €5,000. If 30% of your investment comes to less than €100, you can still withdraw up to €100. A 1% fee applies to all early withdrawals.
Frequently asked questions
Can I withdraw my money before maturity?
Yes. You can withdraw up to 30% of your SaveSmart investment before maturity, up to a maximum of €5,000. If 30% of your investment comes to less than €100, you can still withdraw up to €100, as long as you have at least €100 invested. A 1% fee applies to every early withdrawal.
Who provides SaveSmart investments?
SaveSmart investments are provided by Stikcredit, which acts as the Loan Originator. When you invest, your funds finance business loans issued by Stikcredit, with the details of each loan disclosed in its Key Investment Information Sheet (KIIS). Additional providers and products may be added over time.
What is the minimum investment amount?
The minimum investment is €10. This keeps the product accessible whether you're just trying it out or building a larger position, and you can make additional investments whenever you choose.
How is interest paid?
Interest is paid monthly to your Afranga wallet. The invested principal is repaid in full at the end of the investment term. Alternatively, it can be automatically reinvested for a new term if you enable this option via the "Re-invest" toggle in the loan details page.
Can I make multiple SaveSmart investments?
Yes, however multiple investments with the same parameters made on the same day may be grouped. Limits may apply to prevent excessive fragmentation.
Ready to start investing?
Open your SaveSmart account in minutes and start earning today.
Open a SaveSmart Account
Capital at risk.
Interest Earned
+€100.00
Monthly payout · 12% APY
JanJun
Invested€10,000
Earned so far+€600
Term endsDec 2026