Robocash review 2025
Read this Robocash review to learn if you should use the platform.
Robocash
Pros
Cons
Robocash review summary:
Robocash is one of the best P2P lending platforms right now for short-term lending. The platform offers investors a great average annual return of 10.00%. Compared to a lot of other platforms, Robocash has far better customer satisfaction, which is shown in the many excellent reviews on Trustpilot. The security of the platform is great. We had hoped to see a few more loans on the platform. But with investments starting at just €10, Robocash is a platform that is interesting for most investors seeking a high return.
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Introduction to our Robocash review
We’ve looked into how safe Robocash is for investors. If you’re considering investing, read this Robocash review carefully for pros, cons, and alternatives. You can either read it all or use the navigation for specific topics. Please remember, this review is our own opinion and research, not financial advice.
Learn about the following in our Robocash review:
- What is Robocash?
- What is the return on Robocash?
- Is it safe to invest on Robocash?
- Who can invest on Robocash?
- How to invest on Robocash?
- How to withdraw money from Robocash?
- What are the problems with Robocash?
- What are the best Robocash alternatives?
- Conclusion of our Robocash review
What is Robocash?
Robocash is a peer-to-peer (P2P) lending platform based in Croatia. It launched in February 2017 and focuses on short-term loans with advertised annual returns of up to 12%.
Robocash works by connecting investors with its own network loan originators who issue short-term consumer loans. The loan originators pre-fund the loans, and investors can then allocate as little as €10 toward these loans, earning interest as borrowers repay.
The platform has around 35,000 investors and has funded loans worth over €440,000,000.
Robocash d.o.o. is not regulated, as it is not required in the jurisdiction in which it operates. It is owned by the international financial holding UnaFinancial, which was established in 2015.
Robocash statistics:
| Launched: | 2017 |
| Investors: | 26,000 + |
| Interest rate: | 8 – 12 % |
| Loan period: | 1 – 12 months |
| Loan type: | Consumer |
| Loans funded: | € 440,000,000 + |
| Min. investment: | € 10 |
| Max. investment: | € 25,000 / month |
Robocash Trustpilot rating
Robo.cash has received a TrustScore of 3.9/5 based on 250 reviews on Trustpilot. While many investors praise its automated investing, reliable track record, and consistent returns, others point out issues with cash drag, occasional support delays, and complications around 2FA. Despite these concerns, the platform’s strong buyback guarantee and minimal default history continue to draw interest from those seeking steady returns.
What is the return on Robocash?
Robocash’s average annual investment return is 9.7%. Compared to some other P2P platforms advertising returns above 11%, this rate is slightly lower, which can indicate a comparatively lower risk profile.
The interest rates on Robocash ranges from 8% to 11%. While Robocash does not top the charts in terms of absolute returns, its stable performance and buyback model can appeal to those seeking a more predictable investment option.
Cash drag can occasionally reduce effective yields on Robocash, particularly during times when fewer loans are available to match with incoming funds. Despite this, Robocash’s returns have remained relatively stable, aided in part by automated reinvestment features and the platform’s approach to risk management.
Robocash loyalty program:
The Robocash loyalty program offers tier-based incentives with a minimum of €20,000 based on the total investment amount in a user’s portfolio, recalculated daily.
- Gold: Get a 0.50% bonus on €20,000+ portfolios.
- Platinum: Get a 0.80% bonus on €50,000+ portfolios.
Robocash’s loyalty program is not the best on the market and is generally outperformed by Hive5 for entry-level investment bonuses starting at €5,000, and by Swaper with a 2% bonus for portfolios over €25,000.
Does Robocash withhold taxes?
Robocash does not withhold taxes from investors’ earnings. This makes it easier to handle your taxes compared to some regulated competitors such as Mintos, NEO Finance, VIAINVEST and TWINO, which do withhold a portion of your earnings for tax purposes.
Tax report
Robocash provides a tax report to simplify declaring your earnings to local authorities. You can download the tax report for any specified period from your account statement page by selecting “Tax Report” from the “Statement Type” dropdown list.
Is it safe to invest on Robocash?
Robocash is one of the safest P2P lending platforms in Europe. It has been operating reliably since 2017, with no capital loss reported for investors. All loans on Robocash come with a buyback guarantee, providing extra reassurance that your investment is protected.
Although Robocash d.o.o is not regulated, it is owned by the profitable lending group UnaFinancial, which indicates the Robocash is legit and not a scam.
Robocash buyback guarantee
On Robocash, all loans are covered by a 30-day buyback guarantee. This means that if a borrower is more than 30 days late with repayments, the loan originator automatically repurchases the loan from the investor along with accrued interest.
The Robocash buyback guarantee has a shorter duration than that of most competitors, such as PeerBerry, Esketit, and Mintos, which have longer buyback periods of 60 days compared to 30 days on Robocash. The advantage of a shorter buyback period is that investors can recover their funds more quickly in case of borrower default, enhancing liquidity and reducing the time their capital is tied up.
Investors should keep in mind that the reliability of the Robocash buyback obligation depends on the financial stability of the loan originators. If the loan originators are unable to buy back the loans, the buyback guarantee becomes worthless.
How solid is the company
Robocash is a part of Robocash Group. This is a group of companies that operates in the financial sector.
According to the latest financial statements, the Robocash Group has been profitable for many years.
Two-factor authentication
Robocash offers two-factor authentication (2FA) to strengthen account security. This feature works with the Google Authenticator app, generating unique, time-based passcodes that protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
Who can invest on Robocash?
At the time of writing, it is possible to invest via Robocash in countries in the European Union and Switzerland.
The requirements for investing on the Robocash platform are:
- Being at least 18 years old
- Having a bank account in the EU
- Verified identity
Robocash only accepts individual investors on its platform. Legal entities such as companies, non-profits are currently not allowed to invest.
How to invest on Robocash?
Before you can start investing on Robocash, you must complete the following steps:
- Sign up on the Robocash website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your Robocash account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in P2P loans on the platform. Robocash supports only automatic investing. Unlike competitors such as PeerBerry and Mintos, it does not offer the option to invest manually.
Robocash auto-invest
Robocash provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including portfolio size, maximum investment per loan, interest rate, loan type, countries, and loan originators. You can also automatically reinvest all returns.
Setting up a Robocash auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
Robocash income options
Robocash offers a unique feature that allows you to define what should happen with your earnings on the platform. Here you have 4 different options:
What payment option you should choose depends on your investment goals on Robocash.
- Balance: The balance option returns your funds to your account when the investment is complete which makes it a good option if you only want to invest once.
- Reinvest the full amount: Choose this option if you want to maximize your investments and reinvest both your principal amount and your earned interest.
- Reinvest principal amount: You can choose to invest the principal amount if you don’t want your earned interest to be reinvested.
- Payout: The payout option is unique to Robocash and allows you to slowly withdraw money from the platform when investments are closed.
For investors seeking to maximize their returns on Robocash, it is recommended to use the “Reinvest full amount” income option.
How to withdraw money from Robocash?
You can withdraw your uninvested funds from Robocash at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €50 and it usually takes 1-3 business days for your funds to arrive in your bank account.
Robocash does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit Robocash, you must first turn off all auto-invest strategies and sell any existing loans on the secondary market. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
Robocash secondary market
Robocash offers a secondary market for all its investments, allowing users to sell their investments and exit the platform in approximately 1-7 days. The Robocash secondary market does not charge any fees for buyers or sellers.
Robocash’s secondary market does not allow investors to set discounts/premiums, which is a drawback compared to platforms like Esketit, Mintos and NEO Finance. The ability to set discounts or premiums can help speed up a sale if the seller offers a discount or potentially generate higher returns if demand is high through a premium.
What are the problems with Robocash?
Cash drag
Robocash frequently experiences cash drag on short-term loans due to high investor demand exceeding the availability of loans, leading to idle funds and potentially reduced returns for investors.
To reduce cash drag on Robocash, investors can choose to invest in long-term loans, which can minimize uninvested cash sitting idle in their accounts.
Robocash’s cash drag is a major disadvantage compared to other platforms like Mintos and Esketit, which don’t usually experience cash drag.
What are the best Robocash alternatives?
Some of the best alternatives to Robocash are PeerBerry, Esketit and Swaper.
Conclusion of our Robocash review
Robocash is one of the best P2P lending platforms in Europe for short-term loans. The platform stands out for its consistent performance, dependable buyback guarantee, and backing by the profitable finance group UnaFinancial.
While Robocash delivers stable returns of around 10%, features a 30-day buyback period, and has a user-friendly interface, it also faces cash drag, sets monthly investment limits for individual investors, and lacks a mobile app.
Robocash is worth considering for those seeking high returns and comfortable with short-term loan risks. It may not be the right choice for investors who want to deploy larger amounts of capital without restrictions or those looking for a more diversified, heavily regulated marketplace. If you seek these things, consider other P2P lending websites.
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