5 Min. Read

Robocash Review: Is it good? Don't invest before you read this! (11/2022)



Petračiceva 4, 10110 Zagreb

Test result

3.2 of 5

1% Cashback on Robocash


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Interest & Risks

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  • Experienced platform

  • Comparatively high Ø interest rates

  • Invest free of charge

  • Automatic investment function

  • Buyback guarantee

  • Secondary market


  • Unregulated

  • Currently 1 warning signal

  • No app

How good is Robocash?

If that's what you want to know, then keep reading.

We took a close look at the platform and tell you whether it's worth it.

In this test, we show you:

What is Robocash?

Infographic: how does Robocash work

Robocash is a P2P platform from Zagreb in Croatia, founded in 2017.

It is a subsidiary of the Robocash Group with the same name.

On Robocash, only P2P loans are offered by loan originators that belong to the same company.

Since its inception, the platform has funded more than €490 million worth of loans, making it one of the mid-sized P2P platforms in Europe.

How does Robocash work?

If you want to use Robocash as an investor, you first need to register and deposit money via a bank transfer.

By the way, with the first transfer you also confirm the bank account to which you can make future withdrawals.

After registration, you can invest directly in the offered credits.

You do not have to pay attention to anything except for a minimum investment amount of €1 and that you can only invest automatically on Robocash.

It is not possible on Robocash to choose the loans individually.

You can invest in loans on the primary market (first issue of loans) or on the secondary market (loans from other investors).


In the following, we would like to present the most important features of the platform.


Robocash is not regulated by any financial market regulator.

In the past, the platform has always spoken positively about this issue, but on the other hand, it has never taken any concrete steps.

And rumor has it that the platform moved to Croatia in 2019 to avoid official regulation. However, this was never confirmed by the platform in such a way.

We could see a similar development with PeerBerry.

Whether Robocash intends to be officially supervised at some point cannot be predicted currently, in our opinion.


The average interest rate of the loans is 14.30% and loans with an interest rate of 9% to 13% are offered.

In comparison, the average interest rates are in the front field, with only a few other platforms offering comparable or even higher interest rates.

These are, among others, NEO Finance with about 15%, Lendermarket with about 14% and Esketit with about 13%.

On Robocash, 5 loan brokers currently offer their loans, all of which belong to the Robocash Group.

The following types of loans are offered for you to invest in:

  • Payday Loans and

  • Business Loans.

Business loans have the largest share of the offer, with about 75%.

The loans come from 5 countries, but mainly from:

  • Singapore,

  • Kazakhstan and

  • the Philippines.

Maturities range from 1 to 24 months.

Manual investing

You cannot invest manually on Robocash.

You can invest in the loans only through Auto Invest.

Auto Invest

With the automatic investment function, Auto Invest you can determine within minutes in which loans you want to invest.

The following settings are possible:

  • Investment per loan,

  • interest rate,

  • maturity and

  • reinvestment (repayment, withdrawal and reinvestment).

Robocash's Auto Invest makes a tidy impression and is largely self-explanatory.

With just a few clicks, you can define in which loans you intend to invest.

Buyback Guarantee

All loans are offered with a buyback guarantee.

This buys back a loan as soon as it is delayed for more than 60 days.

As compensation, investors receive their originally invested capital and the lost interest.

Secondary market

Robocash also offers a secondary market where you can exit your loans earlier or buy loans from others.

You can select and sell your own loans individually.

However, if you want to invest in the loans on the secondary market, this is only possible automatically, as with the primary market.

It is a pity that Auto Invest does not allow you to choose to invest only in the secondary market.

This means that you can only use the secondary market as a supplement, but not to invest specifically in loans with discounts.

Tax report

On Robocash, you can easily create the documents for your tax return.

A tax report is offered for each year, which you can download.


Unfortunately, the platform does not offer its investors an app to manage their investments.

Currently, we do not expect this to change in the future.

How much does investing on Robocash cost?

The use of the platform is completely free of charge for investors.

Robocash does not charge any fees for deposits, withdrawals and other transactions.

Warning signals (red flags)

Currently, we would see the following warning signal on Robocash.

With the beginning of the war in Ukraine, some investors feared that it will have an impact on the platform.

These fears are explained by the fact that some of Robocash's leading employees are Russian citizens and some of them reside in Russia.

Sergey Sedov, who is the CEO of Robocash and the Robocash Group (parent company), is one of these people.

The fact is that Robocash Group also offered loans in Russia in the past, which were sometimes also offered on the platform.

However, this offer was already discontinued in 2021 for reasons known to us. This was a stroke of luck for both the platform and the investors.

The fact is that Robocash Group is incorporated in Singapore and no more loans from Russia were offered on the platform and investors also no longer have any loans in their portfolio.

Therefore, in our opinion, the concerns of many investors are probably unfounded, and we actually assume that the platform is not threatened by any negative consequences.

Nevertheless, we list this warning signal for completeness.

Robocash Referral and Cashback

If you sign up via our cashback link, you will get 1% cashback after your signup.

For the calculation of the cashback, your investments during the first 30 days after your registration will be considered.

1% cashback on Robocash

Frequently asked questions

Below, we address some questions that are often asked about Robocash.

Unfortunately, Robocash is not officially regulated, which usually dispels any doubts of seriousness.

However, we would still rate Robocash as a reputable platform, especially due to its close relationship with Robocash Group.

Incidentally, the financed loan volume of more than €490 million also speaks for the seriousness of the platform and also for the fact that it pursues a legal business model.

How does Robocash earn money?

As a subsidiary of Robocash Group, the platform passes on its profits and losses to the parent company.

Which earns its money mainly, with interest income, commissions and other income from operations.

Who owns Robocash?

Robocash is owned by its founder and CEO, Russian Sergey Sedov, who is also the owner of Robocash Group.

Expert conclusion

Robocash is a safe P2P platform with a financed loan volume of more than €490 million. Although not included in our rating, but also relevant is the proximity to the established Robocash Group, which also stands for the safety of the platform.

The platform offers above-average interest rates and is completely free of charge for investors. This includes the use of both the primary and secondary market.

After a quick registration and an initial deposit, investments can be made automatically.

However, Robocash also has some weaknesses.

In our opinion, the platform should also strive for regulation, as well as comparable platforms have already done. Even if we have no doubts about the safety, this should be considered in the future.

Furthermore, investors must be aware that they cannot invest manually on Robocash. However, this is negligible in our opinion.

Overall, we think the platform is recommendable.

1% cashback on Robocash

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Last updated on 31 October 2022