Robocash review
7.5
(our review)
With Robocash, you can invest in consumer and business loans, mainly focused on Asian countries. We rate the platform 7.5 out of 10. One-click lets you invest automatically with an expected annual return of 8.99 percent. Drawbacks include dependence on a single corporate group and the lack of a licence.
Contents:
Please note: investing through Robocash involves risks. You could lose some or all of your investment.
What is Robocash?
Robocash is a P2P platform that has been operating since 2017 and is based in Croatia. It belongs to UnaFinancial, a group that mainly provides consumer loans in Asia.
Through the platform, you invest in consumer and business loans that fund the group’s activities. All participating lenders belong to UnaFinancial. You can spread your investments across several lenders, but you remain dependent on the same group.
Investors often compare Robocash with Mintos, PeerBerry and Esketit.
Ease of use
Robocash is an investment platform designed to require little management. You can automate many tasks. You can even arrange for new deposits to be invested automatically when suitable loans are available.
Registration
Registering with Robocash was quick and easy for us. You complete a questionnaire with your personal details, confirm your email address and verify your identity through Sumsub. We completed registration quickly without encountering anything unusual.
Depositing money
Your first deposit must be made by bank transfer. Robocash gives you a choice of 2 SEPA accounts: one in the United Kingdom and one in Luxembourg. You must include the account name shown under ‘Payment purpose’ as your payment reference. Without this reference, your payment will be returned.
Robocash states that processing can take up to 3 working days. In our experience, all deposits reached our account within 24 hours. Transfers to the Luxembourg account arrived a few hours sooner than those to the British account, although the difference was small. Subsequent transfers did not arrive any faster.
All our deposits reached our account within 24 hours.
Investment options and automatic investing
Robocash offers 3 ways to invest automatically: One-click, Custom portfolio and Robo Flow.
One-click
For One-click, Robocash shows a weighted average interest rate of 8.99 percent per year. You invest in both consumer and business loans across all available lenders and countries. The programme automatically reinvests repayments and interest. If you enable Autodeposit, it also automatically invests new deposits in this portfolio. You can turn Autodeposit off at any time.
Robo Flow
According to Robocash, Robo Flow offers a fixed interest rate of 6 percent per year. This portfolio invests in business loans that the platform lists under Singapore. It offers less choice and diversification within the available investments than One-click or a portfolio you configure yourself.
Custom portfolio
Custom portfolio is mainly useful for investors with specific preferences. You set the interest rate, loan term, lenders and amount per loan yourself. You also decide whether to buy loans on the secondary market and whether to reinvest repayments and interest. The displayed interest rates range from 8 to 10.5 percent per year, with terms of up to 3 years.
Our preference: One-click
We mainly tested One-click. We preferred it to Robo Flow because of its expected return. One-click is in a similar range to options such as Monefit Vaults or automatic loan investing through Mintos. We found the programme very easy to use because it automatically spreads investments across loans.
Secondary market
The secondary market lets you sell loans to other investors. With One-click and Robo Flow, you specify how much money you want to release. According to Robocash, sales usually take a few hours, although this depends entirely on demand from other investors. Robocash itself does not offer an early exit option.
Buyback obligation for overdue loans
If a loan becomes 30 days overdue, the lender that offered it on Robocash must buy it back. You then receive your outstanding principal and accrued interest, including interest for the overdue period.
Returns
Interest rates on the available loans currently range from 8 to 10.5 percent per year. Longer terms offer higher rates. Your actual return also depends on repayments and how long your money remains uninvested.
Loyalty programme
Robocash has a loyalty programme that gives larger portfolios an interest bonus. From 20,000 euros, you receive an additional 0.5 percentage points per year. From 50,000 euros, the bonus is 0.8 percentage points. This bonus also applies to Robo Flow.
Fees
Robocash charges no fees for investing, depositing or withdrawing money. Portfolio management and selling loans on the secondary market are also free.
Reliability: no licence
Robocash has been operating since 2017. It does not hold an investment firm licence or a European crowdfunding service provider licence (ECSP). This means you do not have the protection and supervision associated with these licences. Your cash balance and investments with Robocash are not covered by an investor compensation scheme.
The buyback obligation and support arrangements are agreements within the group. The platform, participating lenders and the entity that Robocash says should provide support if problems arise all belong to the UnaFinancial group. Their financial health therefore matters more than the number of loans across which you spread your money.
You spread your investments across loans, but within a single corporate group.
UnaFinancial
UnaFinancial says it is profitable. According to the organisation, net profit was 7 million dollars for the first 7 months of 2025. Equity stood at 8.3 million dollars at the end of July. These are unaudited interim figures.
Our review score: 7.5
We rate Robocash 7.5 out of 10. This score is mainly based on our experience with One-click. We consider it the strongest part of the investment platform. Registration was quick, our deposits consistently arrived within 24 hours and automatic investing requires little work.
We consider One-click’s expected return to be in line with the market. At 6 percent, we see too little benefit in choosing Robo Flow over One-click. One drawback is that you depend on the secondary market to release your invested money early.
Another drawback is that the platform and all participating lenders belong to the same group. We also consider the absence of a MiFID II or ECSP licence a disadvantage. You do not have the financial supervision associated with these licences. Your investments are also not covered by an investor compensation scheme.
The interim figures for 2025 and more than 8 years without a single delayed payment to investors are positive, but they do not remove these concerns.
Disclaimers
Investing involves risks. You could lose some or all of your investment. This review was written by the editorial team at Investment Platforms Europe and is based on our own experience and assessment. We earn revenue from advertising and fees paid by providers. You can find more information about our approach on our about us page.
