Monethera review

Monethera review

Monethera’s overview

Monethera allows investors to lend money to businesses; these speculative loans currently yield from 18% to 21.1% annually. They’re protected by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator.
If repayment of a loan is delayed by more than a given delay (usually 30 or 60 days),
the platform or loan originator will buy back the loan. The guarantee may cover only
part of the capital, or in a much more interesting case, both the capital and accrued
interests. As the conditions vary from one platform to another, it’s very important
to check this point.

My opinion on Monethera

In spite of the very high interest rates offered by the platform, I advise investors to proceed with caution due to the lack of track record. However, at medium term, it looks like Monethera will be a worthy competitor to Crowdestor, Kuetzal and Envestio.

Detailed ratings


The interest rates for the few available projects are very high.

Loans liquidity

Currently there are very few projects on the platform; however, new opportunities are regularly added.


Reporting is limited to bare essentials.

Buyback guarantee

Monethera provides a buyback guarantee, but recovering the entire investment after a default may be lengthy.

Website ergonomics

Overall, Monethera‘s website is well designed and pleasant to use.

Monethera’s pros & cons


  • High interest rates
  • New investment opportunities are regularly added


  • Absolutely no track record
  • Few projects are currently available
  • No auto-invest feature
  • No secondary market

Loans characteristics

Loans duration

Medium-term : one month to one year

Long-term : more than one year

Loans kinds



Minimal investment

€ 1

Buyback guarantee

Buyback guarantee available


EUR – Euro

Overview of Monethera’s loans

Monethera‘s current investment opportunities yield between 18% and 21%, which is obviously very high

The funded projects belong to various sectors, which is encouraging regarding the future diversification opportunities the platform may offer. In addition to a real-estate project, the financed businesses are :

  • a sturgeon farm
  • a luxury clothing brand
  • a transportation company.
  • an adhesives manufacturer
  • a commodity trading company
  • a VIP transportation firm
Monethera's projects list
Monethera's projects list

The minimum investment per project is one euro; while investing so little doesn’t make much sense, this will help investors spread their portfolio between all available loans. In addition, it also allows to reinvest interests without having to wait for them to reach a minimum amount.

All loans currently yield interests monthly, which a great for investors seeking for a regular cash-flow. Interests are computed from the day the investor invests in the project.

Loans volume

Compared to its main competitors, Monethera offers very few loans. Indeed, in the middle of September 2019, there are only seven projects on the platform. On the other hand, three of them were added in August alone, a very respectable number for a month that’s traditionally very quiet !

Their amount is rather large (€ 100,000 to € 400,000), for a total amount of € 1,700,000. Three projects have already reached the target amount, one is close to reaching it, and the other ones are more than 90% funded.

Buyback guarantee

Loans at Monethera are covered by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator.
If repayment of a loan is delayed by more than a given delay (usually 30 or 60 days),
the platform or loan originator will buy back the loan. The guarantee may cover only
part of the capital, or in a much more interesting case, both the capital and accrued
interests. As the conditions vary from one platform to another, it’s very important
to check this point.
. It has two benefits :

  • It allows investors to sell their investment back to the platform (see “Secondary market” below)
  • In case of a default, at the planned maturity date, the platform will reimburse investors 35% of their investment. The remaining 65% and interest will be issued when Monethera collects the entire debt from the project owners; the term depends on the speed of the judicial process. Based on judicial practice, this may take up to one and a half years.

Platform’s features

Early exit

Early exit available

Investing methods

Manual investing


Monethera doesn’t offer a secondary market The secondary market is a marketplace allowing investors to sell loans from their
portfolio to other investors. This is useful if they need to get their money back
before the loan’s maturity.
feature yet; instead, the buyback guarantee allows investors to sell their investments back to the platform. The associated fee varies from one project to another; it currently varies between 5% and 7%. According to a FAQ item, a secondary market is a planned feature.

The screen used to resell investments is very clear, and shows precisely how much money you’ll get back.

Manual investing

With few projects currently available, it’s very comfortable to invest manually. Thanks to the small number of investors and the large loans volume, there’s no need to rush in order to get a share of new projects !

The descriptions for the platform’s first projects were rather succinct, with usually less than one page of information. This aspect has been greatly improved, and the descriptions for the most recent projects provide a lot of details. They’re very easy to read, thanks to the rather dynamic layout and the large pictures which reduce the density of text.

Although there’s an indication of a risk level, the platform doesn’t provide any explanation regarding the methodology used to compute it; it thus has to be taken with a pinch of salt.

Excerpt of a project's description at Monethera
Excerpt of a project's description at Monethera

One thing that’s missing when investing manually is a confirmation of the invested amount; investors have to be careful not to make a typo !

Website’s ease of use


English, German, Spanish

Funding methods

Monethera’s registration process

Signing up with Monethera is extremely quick and easy. The KYC KYC (Know Your Customer) checks are procedures used by financial businesses
in order to verify the identity of their clients. Most Crowdlending platforms will require
a copy of an identification document (identity card, passport, driving licence); an utility bill
or bank statement may be necessary as well.
procedure is rather straightforward; prospective investors will need a copy of an ID document as well as an utility bill or bank statement. For obvious privacy purposes, I recommend using an utility bill.

Account safety

Account funding and funds withdrawal

Website’s design and ergonomics

Overall, I find the design of Monethera‘s website rather clean and it’s straightforward to use. However, the bright green color over a white background used for several labels and icons makes them hard to read, especially on a laptop with a glossy screen.

Monethera's color scheme makes some labels hard to read
Monethera's color scheme makes some labels hard to read

I’ve been in touch with the platform regarding this aspect and they agreed to change it in order to enhance readability; it’s nice that they listen to feedback from their users ! Overall, their IT team seems to be quite active on the website’s development, as many feature have already been added or improved since I started using it two months ago.

Available languages & translations quality

Monethera‘s website is available in English, German and Spanish. The overall quality of the English translation is good, although there are a few weird sentences in projects descriptions.


Monethera‘s website provides very few reporting options, apart from the transactions list and the projects portfolio.


There’s a detailed FAQ available, as well as a presentation of the platform and team.

One thing that stuck me when I browsed Monethera‘s website for the first time was the striking similarity of the FAQ with Envestio‘s FAQ. The titles were exactly the same, and the contents was just a rewrite of Envestio’s. The page detailing the risks suffered of the same problem.

I contacted Monethera‘s team about this; they blamed their copywriter, and didn’t seem to mind much. However, as I’m checking this point again in early August 2019, the FAQ seems to have been completely rewritten.


The only way to get in touch with Monethera is via a contact form. I’ve contacted them a few times, and they always replied the same day.

Communication from the platform​

Monethera will send notifications for new investment opportunities; investors will also receive confirmation when transferred funds reach their account, as well as for any investment they make.

I’d appreciate additional notifications when reimbursements are made – it always feels good to receive these ! –

Actual performance of my Monethera portfolio


At the end of August 2019, the XIRR for my Monethera portfolio was 5,01%.

After only one month on the platform, this performance obviously doesn't mean much. We'll see in a few months if all reimbursements are made on time and if the performance matches my expectations !

Don't hesitate to read my most recent crowdlending portfolio review for detailed platforms performance comparison as well as historical performance.

Monethera's main competitors

For a detailed comparison of the different real-estate and business crowdlending platforms, check out this article.

Monethera's facts & figures


Tallinn, Estonia

Number of investors


Loans amount financed

€ 1,435,551

As of September 2019

Who can invest at Monethera

Monethera is more focused on European projects, that is why all the investment accounts are offered in EUR only. Payment in other currencies will undergo conversion to EUR at our bank’s rate. Please note that investors can only make payments from their own private bank accounts.

Monethera FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

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