Robocash review: The easiest peer lending platform in Europe

Robocash is a P2P investment platform with 12% interest and very low risk. It is open for investors from the EU and Switzerland, but brokering loans from mostly Asia at the moment. Robocash is still small, but it belongs to a large, hungry parent company: Robocash Group.


Robocash Group originated from Russia, founded there in 2013. In early 2019, Robocash moved their headquarters to Croatia, but the Robocash Group operates on a vast market: The EU, Swizerland, Russia, Kazakhstan - even Philippines and India.

The Robocash Group is pretty big, 1482 employees spread across half the globe. Robocash is focused on Europe. Yeah, it gets confusing, but it's good to understand that while Robocash is small, it's part of a well established, large group.

Robocash made a loss in 2017 and I would be surprised if they pushed to profitability in 2018, but the parent, Robocash Group, is strikingly profitable. Here's Sergey Sedov, the CEO of Robocash Group introducing the key points of Robocash:


While Sergey might sound a bit like the stereotypical villain from a James Bond movie, he is twice as bad-ass. He is a pioneer in peer lending, having co-founded his first peer lending company already in 2010. He holds a PhD in Economics and is in charge of the Robocash Group, which is forecasted to produce almost $37M profit in 2019.

How Robocash works

It's very simple:
  1. You create an account on Robocash, and verify it with your ID
  2. Transfer money to your Robocash account
  3. Set up your auto investment portfolio
That's it. Robocash will keep your principal at work. Robocash works with multiple loan providers, from multiple countries.


This image by Robocash explains their operations extremely poorly πŸ˜‚. I just put it here to confuse you.

Robocash works with loan originators from Russia, Kazakhstan, Philippines, India and Spain (maybe already others), and then connect investors on their platform to refinance those loans. Investors buy a claim to the profits of those loans. Similarly to many other platforms such as Mintos and Grupeer, Robocash also is a broker - kind of. There seems to be a subtle, but important difference though.

Unlike in true loan broker platforms, it is actually Robocash that takes the risk of e.g. a loan originator becoming insolvent - not the investor. So while the investors' money is earmarked towards specific loans by specific loan originators, it is Robocash that is responsible for covering the delayed payments including interest, not the loan originator. That's pretty good, as long as you believe Robocash stays up, and there are very strong reasons to believe that is the case.

Limit of 10,000 €

Robocash doesn't allow you to deposit more than 10,000 € on your account. With this, they seem to be ensuring that they get a wide base of individual investors as opposed to a few deep pockets or institutional investors. If you want to grow wide, this seems like an interesting move. 10,000 € isn't a showstopper for most. It's pretty close to what I'm comfortable putting in a single platform.

Out of the 6,200 investors on the platform, 182 investors have the maximum of 10,000 deposited. I'm one of them.


I kind of like the fact that they limit the deposit to 10,000€. It's enough for me to make it very relevant, about 100€ interest per month. If Robocash was desperate for more capital, they could lift this limitation and get a boost. It seems this limitation is there to control the supply and demand of money, and it seems to work.

Robocash risks

Since Robocash promises to carry all the risk, it all boils down to how long Robocash can stay in business. Getting a 12% return on an investment is pretty damn incredible and I'm just happy to tag along for as long as the fun lasts. Since Robocash Group made $11.4M profit in 2018 and is projecting to make $36.9M in 2019, it doesn't look like the carpet would very easily be pulled underneath Robocash's "feet".

Even liquidity risk is very small, as the loans are very short. I've configured my auto invest to max 60 day loans and suffer no cash drag. All of my investments are currently in 30 day loans, so the whole 10,000 returns to me in a maximum of 30+30 days.

All of this doesn't mean there's no risk. It kind of feels like too good to be true, which usually means it is. What if Robocash is providing misleading information, maybe there's something I've missed? Maybe Robocash is simply testing the market and doesn't even intend to stay in this space for long?

Why Robocash is great

Robocash is the easiest P2P lending platform there is. There are a lot of reasons to like Robocash:
  1. Belongs to a larger group, that is profitable, big and stable
  2. Provides a high 12% interest with a fully hands-off platform
  3. Loans are short, mostly 30 day, which means liquidity is high
  4. Robocash carries virtually all the risk, even the loan originator becoming insolvent/bankrupt

Full disclosure

As I've said, I have invested the full 10,000€ on Robocash. Since the platform caps the deposits and I'm very happy with it, I have no reason to change my position. In april 2019, one month after starting with Robocash, I already got 92€ in interest from the platform

With so few concerns and such a hands-off approach, I've found Robocash to be the easiest P2P lending platform so far, and give it a full five stars ⭐⭐⭐⭐⭐.

If you think Robocash fits your investing portfolio, but got any questions, feel free to drop a comment or send me email at eelis.vatanen@gmail.com.

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