P2P Platform

Robocash Review

Robocash Review: Is it good? Don't invest before you read this!

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Petračiceva 4, 10110 Zagreb Croatia

Review result

4.2 of 5


Basic Information Basic Information

Founding Date:
February 2017
Funded Loans:
Investor Protection:

Interest & Red Flags Interest & Red Flags

Minimum Interest Rate:
Maximum Interest Rate:
Average Interest:
Red Flags:

Loans Loans

Minimum Investment:
Minimum Investment Term (Months):
Maximum Investment Term (Months):
Loan Originators:
Payday Loans:
not available
Personal Loans (Consumer Loans):
Business Loans:
not available
Real Estate Loans:
Other Loans:
Worst Rating:
Best Rating:

Features Features

Manual Investing:
Automatic Investing:
not available
Buyback Guarantee:
not available
Secondary Market:
not available
Tax Report:
not available

Fees Fees

Investing Fee:
Deposit Fee:
Withdraw Fee:
Accounting Management Fee:
Secondary Market Selling Fee:
Secondary Market Buying Fee:

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 eponymous Robocash Group.

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

Since its inception, the platform has financed loans worth approximately €500 million, making it one of the largest P2P platforms in Europe.

How does Robocash make 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 CEO & Founder Russian Sergey Sedov, who is also the owner of Robocash Group.

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 approx. €500 million also speaks for the seriousness of the platform and also for the fact that it pursues a legal business model.

How does Robocash work?

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

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

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).

How can I invest on Robocash?

You cannot invest on Robocash manually. You can invest in the loans only through Auto Invest.

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

The following settings are possible:

  • Investment per loan,

  • interest rate,

  • term 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 determine in which loans you want to invest.

How do I get cashback for investing?

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

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

What are the warning signs to watch out for at Robocash?

At the current time, we have not noticed any warning signals with Robocash.

In the past, we had mentioned in particular the Russian connection of some employees and the founder and owner Sergey Sedov as a possible risk (Russia-Ukraine war).

However, as we expected, this does not result in any problems for investors, as Robocash as a group is internationally positioned (traded in Singapore and furthermore no Russian loans on the platform).


Review result Review result

with all advantages & disadvantages

Safety (40.00%)


Gewichtigung: Age: 40.00%, Funded Loans: 40.00%, Regulation: 20.00%.

Age: 6 Years
5.00 / 5

The platform is older than 5 years. In the past, sudden failures of platforms that have been on the market for such a long time have occurred very rarely.

Funded Loans: €752,353,747.00
5.00 / 5

over-average over-average The platform has already financed many loans and was able to gain a lot of experience.

Regulation under-average
0.00 / 5

The platform is not officially regulated. This means the platform is not subject to ongoing monitoring by an independent third party.

Interest and Risk (40.00%)


Gewichtigung: Average Interest: 50.00%, Red Flags: 50.00%.

Average Interest: 13.30%
4.13 / 5

over-average over-average The average interest rate is comparatively much higher than other platforms.

Red Flags: 0
5.00 / 5

over-average over-average The platform has no red flags that investors should pay attention to.

Features (20.00%)


Gewichtigung: Automatic Investing: 20.00%, Buyback Guarantee: 20.00%, Secondary Market: 20.00%, Tax Report: 20.00%, App: 20.00%.

Automatic Investing under-average
5.00 / 5
Buyback Guarantee under-average
5.00 / 5
Secondary Market under-average
5.00 / 5
Tax Report under-average
5.00 / 5
App under-average
0.00 / 5

Gesamtpunktzahl: 4.2 of 5

Hinweis: Although we take every care to ensure the accuracy of the information and the representative example, no warranty can be given with regard to the correctness, accuracy, timeliness, reliability and completeness of the content. All information is based on the available information from the provider.

Last updated on 22 July 2023