Go & Grow vs. Monefit SmartSaver vs. Lendermarket Auto Invest FLEX: 3 Liquid P2P Products Compared

If you want more interest than a savings account pays and are willing to invest in alternative investments such as P2P loans, but also want liquidity, there are really two names you cannot get around: Monefit SmartSaver and Bondora Go & Grow. Both are well-established providers for exactly this case. But there are now other platforms as well – and one I use as a liquidity building block alongside those two is Lendermarket. A few weeks ago they launched a liquidity feature of their own: Auto Invest FLEX. In this post we look at how you can use FLEX alongside Go & Grow and Monefit, and where each platform has its strengths.

As always, the most important thing first: this is not investment advice and not a buy recommendation, just my personal opinion and my personal investments. I am responsible for my money, you are responsible for yours. P2P loans are high-risk – only invest money whose total loss you could handle, and make your own decisions. The links to the three platforms are referral links: if you use them, I receive a small commission, and it does not cost you anything extra.

My three positions: just under €14,000, €2,000 and €8,000

Let's start with the overview: I am invested on all three platforms (as of the recording: 7 October 2026).

• Go & Grow*: just under €14,000 – exactly €13,987.40. It is simply the top dog, and it is also where I have been invested the longest.
• Monefit SmartSaver*: a little over €2,000 – exactly €2,013.93.
• Lendermarket*: I have been building this up for several months and am now at over €8,000 – account value €8,170.12. Next month I will complete the €10,000.

But where exactly are the differences?

Go & Grow: up to 6%, credited daily

Let's start with Go & Grow – or Bondora Go & Grow; they have just been through a rebranding: since April 2026 Go & Grow has been operating as a brand of its own.

The principle is fairly simple: you have just one account, you deposit money, and a return is credited to it every day. In the video I talk about a 6% annual return – strictly speaking, my account says “up to 6% p.a.”. That is an upper limit, not a guarantee.

And under normal circumstances you can withdraw your money from Go & Grow at any time. We can see that in my account too:

I now receive more than €2 every day – most recently €2.24. On 1 October I added another €500, so the daily amount rose from €2.15 to €2.23.

So it is similar to a savings account. You are still investing in loans, though. In times of crisis it may happen that only partial withdrawals are possible, and in really bad cases you can lose your money here too – these remain loan investments. You always have to distinguish that from guaranteed interest and guaranteed money in a savings account. And that applies not only to Go & Grow but to the other two providers as well.

I have described how the starting bonus on Go & Grow works here: Go & Grow Bonus.

Monefit SmartSaver: 7.5% and the vaults

Monefit works very similarly to Go & Grow, but here you have several options. First, there is the main wallet, which you can see here in my account:

There you have a target annual return of 7.5% – 1.5 percentage points more than on Go & Grow. In return, Monefit has a few withdrawal restrictions that Go & Grow does not have in this form. We can see them when we jump into the help centre:

In the video I say you can only ever withdraw €1,000 instantly. Strictly speaking, it is up to €1,000 per calendar month that goes out instantly. For everything beyond that you have to wait up to 10 business days.

So liquidity as such is somewhat higher on Go & Grow – but there the return is only up to 6%. On Monefit liquidity is somewhat lower, but the target return of 7.5% is somewhat higher.

Vaults: up to 10.52%, but locked

Besides the main wallet, you can also invest in the so-called vaults on Monefit:

• 24 months: 10.52% APY
• 12 months: 9.42% APY

So you get even more return there, but you are also more tied up – and if you want to get out early, you lose the entire return. In other words: even more return, but even less liquidity.

Lendermarket Auto Invest FLEX: high interest rates with an exit option

Pretty much everyone looking for a liquid product like this knows Monefit and Go & Grow. What many do not know: Lendermarket – a very well-established platform – now has a liquidity feature too. It is called Auto Invest FLEX.

When we go to “Investieren” (Invest) in my dashboard, we see the options:

• Regulated loans – manually
• Unregulated loans
• Auto-invest – the regular one
• Auto Invest FLEX

In the video I say Lendermarket is “even regulated”. Strictly speaking, that only applies to part of the offering: Lendermarket Limited from Dublin has been authorised by the Central Bank of Ireland as a crowdfunding service provider since December 2024 – but the offers in Auto Invest FLEX are all labelled with the service type “Nicht reguliert” (not regulated) in my account.

FLEX combines high interest rates with a liquidity option, and that can be pretty cool. I actually invest on Lendermarket through Auto Invest FLEX – because I like high returns, but of course I like liquidity too.

The pots: Monefit Estonia and Creditstar Spain

The first thing you notice: in Auto Invest FLEX you can currently only invest in loans from Monefit Estonia or Creditstar Spain.

And as the name suggests, it is all connected: Monefit is part of the Creditstar group, and Lendermarket is closely linked to it as well. You definitely need to be aware of that – if you combine SmartSaver and FLEX, you depend on the same environment twice.

There are different pots you can invest in. On 7 October 2026 these were:

Loan originator	Interest rate	Term
Monefit Estonia	12.50%	1,080–1,440 days
Creditstar Spain	12.50%	720–1,080 days
Creditstar Spain	9.50%	720–1,080 days
Monefit Estonia	10.00%	1,080–1,440 days
Monefit Estonia	10.50%	1,440–2,160 days

So the terms are very, very long. But – and this is the interesting thing about Auto Invest FLEX – there is the option to exit early for a fee. The key sentence is in the info box:

In English: for more liquidity, Auto Invest FLEX offers the additional advantage that you can exit portfolio investments for a flat fee of 3.5% of the exit amount.

That means: in the normal case we can exit for a 3.5% fee on the exit amount. Even that cannot be guaranteed, because ultimately these remain loan investments.

What the exit looks like

Let's go into one of my pots – here Monefit Estonia at 12.5%, where I have almost €4,000:

Even though I actually still have a very long term ahead, I could simply click “Portfolioausstieg” (portfolio exit) here and say whether I want to pay out 10, 25, 50, 75 or 100%. On the right I then always see what the flat fee would be:

• I exit: €3,976.69
• Fee (3.5%): €139.18
• Estimated payout: €3,837.51

I did not trigger the exit – these are the figures my account showed me on the day of the recording.

One more thing to note: the exit process can take up to 10 business days, so it does not work instantly. It does not say that it takes 10 days – it says it can take up to 10 days. But you need to be aware of it. The account also states that the exit request is subject to review by Lendermarket.

And right above it you can see the service type I mentioned earlier:

When it pays off – and the catch

So we have high interest rates here, up to 12.5% depending on the pot. Let's take the 12.5% and exit after one year, for example: then we have already made the 12.5% and pay 3.5%. That still leaves around 9% in this case – considerably more than on Go & Grow and also more than on Monefit.

That is my simplified example from the video (12.5 minus 3.5). The 12.5% is an interest rate shown in my account, not a promised return.

There is a catch, though: if I invest €1,000 today and decide to exit tomorrow, I still pay the 3.5% – €35 – and have made a loss. So it really only pays off after a certain holding period.

The three side by side

	Go & Grow	Monefit SmartSaver	Lendermarket Auto Invest FLEX
Interest	up to 6% p.a., credited daily	7.5% as a target (main wallet), vaults up to 10.52%	interest rates up to 12.5%, depending on the pot
Getting your money	any time under normal circumstances	€1,000 per calendar month instantly, above that up to 10 business days	exit on request, up to 10 business days
The price	lowest rate of the three	vaults: exit early and you lose the return	3.5% fee on the exit amount
My position	€13,987.40	€2,013.93	€8,170.12

Nothing is guaranteed with any of the three – neither the interest nor the payout. None of the three products comes with a deposit guarantee like a savings account.

Which platform for which time horizon?

To spell it out once more:

• Short horizon – 1, 2, 3 months: then it probably makes more sense to simply park the money on Go & Grow* or Monefit SmartSaver* for that time. You do not have this exit fee there; you simply get the return.
• Long horizon and a wish for high interest: then it can well make more sense to invest on Lendermarket*. You would actually hold that long anyway – but for emergencies, if something happens and you need your money, you have the option to exit for a 3.5% exit fee.

In the first few months, though, the exit simply does not pay off. That is why I really say: if you use Auto Invest FLEX, you should have a medium to long time horizon. Otherwise it makes more sense to simply invest on Go & Grow or Monefit SmartSaver.

Three bonuses for new customers

By the way, I have a bonus for you on all three platforms:

• Go & Grow: a €5 new-customer bonus through my Go & Grow link*. To keep the €5, you need to deposit at least €50 within 30 days.
• Monefit SmartSaver: 0.25% cashback on all your investments in the first 90 days – through my Monefit link*.
• Lendermarket: here I have a pretty strong bonus for you: 1.5% cashback on all your investments in the first 90 days – through my Lendermarket link*.

For transparency: these are all referral links. If you sign up through them, I receive a small commission. It does not cost you anything extra – and you support me and my work.

In the video I say that through the links you get a bonus you would not otherwise receive. Strictly speaking, that applies to Go & Grow and Lendermarket: the 1.5% is my partner condition for new customers (as of 7 October 2026) and is not listed on the Lendermarket website itself. The 0.25% on Monefit, on the other hand, goes to every new customer. It is best to check the current terms directly with the provider before you start; conditions can change.

My conclusion

I use all three platforms: Go & Grow with almost €14,000, Lendermarket with a good €8,000 – where I will complete the €10,000 next month – and Monefit with a little more than €2,000. I will top that up over time as well.

All really exciting options. But many people do not know Lendermarket Auto Invest FLEX at all – and it is simply an exciting product that has its place alongside the other two platforms: for everyone who actually wants to invest for the long term and only needs the exit option as an emergency exit.

You can read more about why I am building up Lendermarket in the first place in my Lendermarket Review 2026. And you can see how the three fit into my overall P2P portfolio in the P2P Portfolio Update October 2026.

If you want to try Auto Invest FLEX yourself, feel free to use my link for the cashback: go to Lendermarket through my link*.

Now I'm curious: what has your experience been so far? Do you use liquidity features like these in P2P, or do you generally prefer long-term loans with a higher return? And should I introduce more platforms with a liquidity option? Feel free to write it in the comments under the video.

Links marked with * are partner links. If you invest through them, you support my work – at no extra cost to you. Thank you!

LENDERMARKET DISCLAIMER “Lendermarket Limited, trading as Lendermarket, is regulated by the Central Bank of Ireland.”

WARNING: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Your investment is not covered by a deposit guarantee scheme or by an investor compensation scheme.

WARNING: Past performance is not a reliable guide to future performance.

WARNING: These figures are estimates only. They are not a reliable guide to the future performance of this investment.

WARNING: This product may be affected by changes in currency exchange rates.

“Before investing, please read the Key Investment Information Sheet (KIIS) for this project.”

“This project involves investment risk, including the risk of losing your entire investment. Returns are not guaranteed.”

“The information on this page relates to regulated crowdfunding services provided under Regulation (EU) 2020/1503. Other services offered by Lendermarket are not regulated under this framework.”

“The content on this page relates to services that are not regulated by the Central Bank of Ireland.”

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