Robocash review

Robocash review

Robocash’s overview

Through Robocash, you can invest mostly in very short-term (one month) personal loans, yielding 12% annually. They also offer longer-term loans with a duration of one year, which don’t pay interests monthly.

My opinion on Robocash

Although Swaper‘s ergonomics is better, Robocash doesn’t suffer from the cash drags that sometimes plague Swaper; it may thus appeal to very short-term investors. When investing for longer durations, Robocash isn’t competitive anymore; both Bondster and Fast Invest offer higher interest rates and are much more user-friendly.

Detailed ratings

Interest rates

While 12% is good for short-term loans, many platforms offer more competitive rates for higher durations.

Loans liquidity

The loans volume is currently large enough to prevent the past cash drags.


It’s complete and useful, excepted for the missing XIRR.

Buyback guarantee

Robocash offers standard buyback terms.

Website ergonomics

The platform could be more polished.

Robocash’s pros & cons


  • The loans volume is large enough to absorb the demand


  • The ergonomics and translations could be improved
  • Longer-term loans don’t yield interests monthly
  • The interest rates are only interesting for very short-term investors

Loans characteristics

Loans duration

Less than 1 month

1 month to 1 year

Loans kind


Minimal investment


Buyback guarantee

Buyback guarantee available



Secured loans

All loans are in Euro. Robocash currently offers a 12% interest rate for very short-term loans (1 month). Since July 2018, they also offer longer-term loans; their duration is up to one year, yielding the same interest rate.

Until November 2018, they used to return 14% annually; lowering them to 12% brings them to the same level as Swaper‘s or Mintos‘s.

In October – November 2017, the platform struggled to invest all my funds. Now this cash drag seems to be over, apart from some idle funds from time to time. They extended their loan offer in Russia, which greatly increased the available volume.

Buyback guarantee

The buyback guarantee triggers after a delay longer than 30 days. This is standard for most P2P companies.

Platform’s features

Secondary market

NO secondary market for long-term loans


Auto-invest available

Secondary market

Before the introduction of longer-term loans, Robocash didn’t feature a secondary market. Due to the very short loans duration, it wasn’t really a drawback. Now that the platform provides loans longer than one month, it’s possible to sell them on the secondary market.

Manual investment

It’s not possible to invest manually; use of auto-invest is mandatory.

Auto-invest feature

While the initial auto-invest screen had several rather confusing labels, it’s been redesigned. It is now easier to understand, although there’s still room for improvement.

It’s possible to configure the auto-invest to buy loans from the secondary market, a feature that most competitors don’t provide.

Website’s ease of use


English, German, Spanish, Latvian, Russian

Funding methods

Available languages & translations quality

Robocash’s website is available in many languages; however, the quality of the English translation could be greatly improved.

Registration process & account funding

Registration is quick and easy, requiring you to only supply very basic information. Although the only way to fund your account is via a SEPA transfer, it should meet the need of most investors.

Website’s design and ergonomics

Robocash‘s website is globally easy to use, but the interface is far from being as streamlined as most competitors.

One minor annoyance is that if you ever want to see a loan agreement, it isn’t displayed in your browser but downloaded as a Word document. Also, the English version isn’t as well translated as some competitors, but is obviously legible enough. Finally, I regret the lack of a FAQ once you’re logged in; it’s actually available from the home page.


It’s rather complete, although no XIRR is currently provided. You can see the amount of interests accrued, the average interest rate.

Actual performance of my Robocash portfolio

At the end of May 2019, XIRR for my Robocash portfolio was 11.75%. Now that the interest rates have dropped, it looks like a realistic level; however, don’t forget that installment loans will decrease your XIRR until their maturity date, as you won’t get any interest before that date.

Robocash’s main competitors

Unless you only want to invest only in very short-term loans, Bondster and Fast Invest both offer high interest rates while being much easier to use. Mintos is also an excellent alternative, but beginners may struggle to configure auto-invest.

Robocash’s facts and figures


Zagreb, Croatia

Loans amount financed

€ 58 372 884

As of March 2019

Who can invest

Any person age of 18, who has a bank account in one of the European Union countries, can become an investor on Robocash.
Robocash 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.

4 thoughts on “Robocash review”

  1. Hi!
    As I know Robocash buyback doesnt compensate you interest for late 30 days, only principal, so your effective xirr will be always below 14%

    • Hi Eduard,

      The buyback guarantee also covers the interests.

      The FAQ clearly states “If the borrower delays payment, we will buy the investor’s share at the purchase price and will pay all the interest due.”.

      Have a nice day


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