(Updated July 2019)

One of my favorite crowdlending platforms is Robocash. This peer to peer company stands out by its simplicity and ease of use, and that’s a thing I really appreciate. After a brief registration, you only need 3 or 4 mouse clicks to make your money work for you. Let’s begin with my Robocash Review 2019.

What is Robocash?

Robocash is a fully automated crowdlending platform (also known as P2P lending platform or peer to peer lending platform) launched in February 2017. It allows investing in consumer loans issued by loan originators of Robocash Group. These companies issue loans in 6 countries: Spain, Russia and Kazakhstan, the Philippines, Indonesia, and Vietnam. The Robocash group specializes in microloans: Pay Day Loans, Installment-loans, and Secured loans. Robocash headquarters are located in Riga, Latvia.

Statistics and Results

Robocash Group started with the companyZaymer back in 2013. According to Robo.cash website, the group employs today more than 1,255 people in 8 companies. For the time of this review, the platform has issued more than 3 million loans. And more than 4 million people in Spain, Russia and Kazakhstan, the Philippines, Indonesia and Vietnam are customers of the credit companies.

Who can be an Investor in Robocash?

Right now the Robocash platform is only open for investors from the European Union and Switzerland. They plan to start working with non-EU countries, but this possibility is not available yet.

Getting started with Robocash

After filling a simple registration form on their website, Robocash will check your identity (you will have to upload an identity document). Once you’ve transferred the desired amount of money to your account, you will be ready to start investing.

Robocash is a completely automatic investment platform, that is, the web automatically chooses the loans to invest in. To help it make these decisions, the investor must set some simple parameters when creating a Portfolio, in the Invest option:

Robocash new portfolio creation
Robocash new portfolio creation

Although you can set a range for the interest rate, nowadays all loans issued in the Robocash platform have an interest rate of 12%. As you can see in the image above, the number of loan originators is small, and all loans come with a buyback guarantee.

This fully automated way of investing saves time. And that’s more money in less time! Remember that Robocash lacks an option to invest manually.

General Overview

These are the main statistics about Robocash, dated July 2019:
HeadquartersRiga, Latvia
Launching dateFebruary 2017
Loans funded so far€92,000,000
Registered investors6,900
Available currenciesEUR
Loan typeShort-term Loans
Average NAR12%
Minimum inversion€10
Offered interest rates12%
Buyback GuaranteeYES (in ALL loans)
AutoinvestYES (actually, there is not a manual investment mode)
Secondary MarketNO
Loans ShortageNO
Overall RatingRating 4 out of 5 stars
Welcome BonusNO


I’ve rated Robocash with four stars because I think the website could be improved and more information should be given. The simplicity and ease of use are taken to the extreme, and thus the web doesn’t give any details about the loans or the borrowers. I would also like a manual way to invest but, of course, it doesn’t make any sense if you don’t have the information to choose between the loans available. Let’s move on and continue with my 2019 Robocash review.

My Personal Experience

I’ve been investing in Robocash since August 2018. Since then, I’ve invested €2,000 and earned interests for €140.57 value. This is my Summary panel as July the 14th, 2019:

Robocash Summary Panel as 14th July, 2019
Robocash Summary Panel as 14th July, 2019

Until November 2018 they used to return 14% annually, but then they lowered the interest to 12%. That’s why my average interest rate is 12.96%. With this new standard of 12%, Robocash is now at the same level as Mintos regarding profit (here you can read my Mintos review). If the return rate would have remained at 14%, my Robocash review in 2019 would have been better, of course.

Robocash Review: Final Conclusion

Robocash is an excellent platform to diversify your crowdlending investments. The 12% rate for short-term loans with buyback guarantee is good for investors who don’t want to invest in more speculative loans. The volume of loans is large enough to prevent cash drag, and the fully automated investment platform is very easy to use. The website could be improved, and I would appreciate more information about the borrowers and the loan originators. However, the buyback guarantee works pretty well, so I don’t care that much about the borrowers’ details. 

What can I say as a final conclusion of my Robocash review in 2019? That I will increase my investments in this crowdlending platform, without any doubt.

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And now that my Robocash review in 2019 has come to the end, why don’t you take a look at my 2019 Swaper Review?