Editorial verdict
A capable passive-P2P machine, but not true group diversification
Robocash is compelling for investors seeking automation, quick setup and no platform fees. It should not be treated as a basket of independent lenders: the available companies are connected to UnaFinancial, so the main risk remains concentrated at group level.
What we like
- Almost fully automated process
- Contractual 30-day buyback
- No platform fees
- Secondary market at par
- Operating history since 2017
What concerns us
- No financial-services licence stated
- No deposit or investor compensation protection
- Concentration within UnaFinancial
- A secondary-market sale is not guaranteed
- Buyback depends on lender solvency
Under the hood
How Robocash works
The investor does not directly originate a new loan. Instead, the investor acquires claim rights connected with loans already issued by companies in the UnaFinancial group. Robocash provides the technological and contractual environment, while portfolios invest automatically according to selected filters.
A group company issues a loan.
Loan-related claim rights are listed on Robocash.
The portfolio invests according to its filters.
Principal and interest reach the portfolio or Wallet.
Spreading money across many loans reduces single-borrower concentration, but it does not remove lender, UnaFinancial-group or platform risk.
Market signals
Returns and scale: what the figures show
On the review date, Robocash published base annual rates of 8% to 11%. Its loyalty programme adds 0.5 percentage points for €20,000–€49,999 invested and 0.8 points above €50,000, allowing a maximum rate of 11.8% on eligible loans.
How to read the statistics Historical returns describe past platform performance, not the future result of a specific portfolio. Actual returns depend on available loans, terms, idle cash, loyalty level, taxes and possible losses.
Risk dashboard
Where the risk actually sits
Automation and buyback do not remove risk. They shift much of it from an individual borrower to the lender and group expected to honour the repurchase obligation.
- High impactGroup concentration
All lenders are connected to UnaFinancial. Several company names do not create independent risk sources.
- High impactBuyback-provider risk
Repurchase is a contractual obligation, not external insurance. Lender distress may affect performance.
- Medium impactRegulatory and legal risk
Robocash states that it does not operate under a financial-services licence. Claims are not protected like bank deposits.
- Medium impactLiquidity
The secondary market requires another investor. An exit may be delayed during market stress or weak demand.
- Lower impactInvestment-currency risk
Investments are made in euros, although the group operates in markets using other currencies.
Editorial methodology
Why the rating is 8.3 out of 10
The Score evaluates the platform as an investment environment across five fixed weighted criteria: 20% transparency and track record, 25% risk and protections, 20% returns and terms, 15% liquidity, and 20% UX and automation.
Protection versus reality
30-day buyback and the secondary market
What buyback does
When a payment is more than 30 days late, the lender must repurchase the claim according to the applicable contractual terms. This may reduce the operational burden of individual arrears.
What buyback does not do
It is not a government guarantee or insurance and cannot create funds during insolvency. Its strength depends on the obligated company's financial capacity and group support.
Exiting before maturity
Eligible active claims can be offered on the secondary market at par, without a premium, discount or Robocash fee. A sale is not an immediate right because a buyer is required.
Do not invest money you may need on a fixed date. The secondary market is a liquidity option, not a liquidity promise.
Product and UX
Auto Invest is Robocash's strongest feature
There is no classic manual primary market. Investing uses One-click or customised portfolios. One-click accepts the available lenders, terms and rates; a custom portfolio provides more control.
One-click
- Setup takes only minutes
- Broad automatic filters
- Accessible to beginners
- Less control over exposure
Custom portfolio
- Lender and term filters
- Limit per individual loan
- Secondary-market option
- Requires periodic review
A reasonable starting setup
- Enable partial investing to limit exposure to one loan.
- Do not chase only the highest rate; consider term and liquidity needs.
- Monitor idle cash and overly narrow filters.
- Set a maximum Robocash allocation within your wider portfolio.
Interactive scenario
What a potential return might look like
The calculator shows a simplified gross projection with monthly compounding. It is a scenario, not a forecast.
Taxes, idle-cash periods, arrears, losses, rate changes and bank charges are not included.
Context, not a ranking
Robocash compared with other popular models
| Criterion | Robocash | PeerBerry | Bondora Go & Grow |
|---|---|---|---|
| Model | Automated claim purchases | Marketplace with multiple lenders | Managed pooled portfolio |
| Main strength | Automation and simplicity | Broader lender selection | Simple entry and withdrawal request |
| Key risk | UnaFinancial concentration | Lender and group risk | Opaque pooled loan portfolio |
| Early exit | Secondary market at par | Secondary market | Withdrawal request; restrictions may apply |
| May suit | Passive P2P allocation | More detailed allocation | Maximum product simplicity |
Competitor terms change. This table compares product structures, not guaranteed returns. Read the individual reviews before making a decision.
Frequently asked questions
Robocash FAQ
What return does Robocash offer?
On 4 August 2026, the platform published base annual rates of 8–11% and an average historical return of 9.91%. Loyalty bonuses may increase eligible rates to 11.8%. This is not a guarantee of future performance.
Is Robocash regulated?
Robocash d.o.o. is registered in Croatia, but Robocash states that it does not operate under a financial-services licence. Investments are not covered by a deposit guarantee or investor compensation scheme.
What is the minimum investment?
The minimum purchase of a claim portion is €10. At least €50 must be invested to participate in the loyalty programme.
Does Robocash charge fees?
Robocash does not publish investor fees for deposits, withdrawals, portfolio management or the secondary market. Your bank may apply its own charges.
Can I withdraw invested money immediately?
Available Wallet funds can be requested for withdrawal. Invested funds require repayments or a secondary-market buyer. The standard minimum withdrawal request is €50; for a smaller amount, the platform directs users to Customer Care.
Verifiable data
Sources and editorial transparency
Product facts were checked against official Robocash information. Platform marketing statements are identified as published claims and assessed separately from the editorial Score.
- Official Robocash website — metrics, fees, buyback and investor terms
- Robocash Help & Support — rates, portfolios, risks and secondary market
Affiliate disclosure: Some links on this page are affiliate links. If you register through them, P2P Investitor may receive compensation at no additional cost to you. This does not change the Score, risks or editorial conclusion.
Final verdict
Robocash is a strong tool when its portfolio allocation is limited
The process is simple, the published scale is substantial and the UX is strong within automated P2P. The absence of licensed investor protection and concentration within one group require a sensible allocation limit rather than blind trust in the word “buyback”.