Kind Reminder: The Loyalty Program will be coming to an end on 10th June 2025.
This means that all existing tiers are now locked in at your current rate, and you'll continue to earn at this rate until June 10th. After that, a new rate of 7.5% APY will take effect.
If you are looking to boost your returns higher, why not check out our Vaults, where you can earn up to 10.52% APY.
For more details, please check your email inbox or contact Customer Support at info@monefit.com
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When you first invest with SmartSaver, you’ll start earning an impressive 7.25% APY, our base rate. But here’s where it gets exciting: after just 90 days, something special happens! 💫
Your investments will be instantly supercharged based on the amount you have invested in your main account. This means you can earn up to an additional 1% nominal return for simply placing your trust in us and continuing your investment journey. 🤝
Account Value | Nominal Annual Return | Annual Yield |
€10 - €10,000 | 7% | 7.25% |
€10,001 - €30,000 | 7.25% | 7.52% |
€30,001 - €50,000 | 7.5% | 7.79% |
€50,001 - €80,000 | 7.75% | 8.06% |
€80,001 - €500,000 | 8% | 8.33% |
If you transfer additional funds and your investment balance moves to a higher tier, you’ll instantly earn a new return rate!
Just imagine this scenario:
You once had a balance of €5,000; now it's grown to €81,000. That’s a remarkable increase! You could earn an extra €13,301 over the next two years!
Here's an example of how it could work for you:
Loyalty Program in Action: Alice's Investment Journey
Day 1: Alice starts her investment journey with SmartSaver by transferring €9,000. Since she's a new investor, she'll earn the standard 7.25% APY (7% nominal) irrespective of her balance.
Day 10: Feeling optimistic about her investment, Alice decides to add €3,000, bringing her total balance to €12,000. Even though her balance would typically move her to a higher APY bracket, she continues to earn the 7.25% APY since she's within her first 90 days.
Day 45: Observing the fruitful growth of her investment, Alice makes another significant transfer of €50,000. Her total shoots up to €62,000. Despite her growing balance, her APY remains unchanged at 7.25% APY due to the 90-day rule.
Day 60: Alice's confidence in SmartSaver grows, and she decides to add an additional €40,000. Her balance climbs to €102,000. Yet, she continues to earn 7.25% APY.
Day 91: Having completed her 90-day tenure with SmartSaver, Alice's loyalty program is activated. Based on her balance, she now starts earning the pinnacle rate of 8.33% APY (8% nominal).
Day 105: Unexpected expenses arise, and Alice needs to make a withdrawal of €50,000. Her balance was reduced to €52,000. Due to the withdrawal, her rate is now adjusted to 8.06% APY (7.75% nominal).
Day 120: Alice decides to make another withdrawal of €5,000 for a property investment. Her balance drops to €47,000. Now, she moves to the 7.79% APY bracket (7.5% nominal).
Ready to go? Hit this button to get started 👇