SaveSmart is a simple, worry-free way to invest and earn monthly interest with fixed terms and fixed returns. You can choose from 3, 6 or 12 month terms.

How does Auto-Reinvest work?

When your term ends, your principal plus earned interest automatically rolls into a new term at the current rate. No action needed — your money keeps growing.

What are the available investment terms?

SaveSmart offers flexible terms of 3 months (8.00% p.a.), 6 months (9.00% p.a.), or 12 months (10.00% p.a.).

Is SaveSmart regulated?

Yes, Afranga is regulated by the European Securities and Markets Authority (ESMA) under the European Crowdfunding Service Provider (ECSP) framework. Your investments are protected under EU investor protection regulations.

Fixed-Term Investing, Fixed Returns

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.

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.

Fixed terms. Fixed returns. Your choice.

Investment Calculator

Your projected returns

Frequently asked questions