Monethera review shows that Monethera started in 2017 as a private investment fund. Now it has become an online crowd-investing platform offering modern ways of making investments in high-yielding projects. Platform offers investors only top-level investment opportunities, which were thoroughly selected and studied by Monethera analytical team. Monethera offers entrepreneurs from various industries to get structured financing from the pool of registered private investors by simply applying online. Monethera ensures transparent fundraising process and guarantee proper and impartial information sharing between all participants of investment projects.

Key facts about Monethera

Estimated annual returns: Up to 22%
Launched: 2019
Autoinvest: No
Loan security: Business or real estate as collateral
Provision fund: No
Buyback guarantees: Yes
Registered investors: 1000+ in June 2019
Minimal investment: € 10
Time to become invested: instantly
Time needed managing: Low
Regulation: Operates under laws of Estonia
Country of operation: Estonia
Defaulted loans: 0%
Borrowers verification: By the platform
Accepted currencies: Euro
Accepts investors from: Worldwide, except China, US and Baltic States

Monethera Review: Pros and Cons


– User-friendly and intuitive dashboard for investors
– Investment policy can be tailored to purchase whole loans based on pre-defined criteria or invest into fractional loans across the market
– Fast ID verification and time to become money invested (in my example one day)
– Attractive returns
– BuyBack guarantee


– Young platform. Need to see how it will be developed during the next years.


Mintos, Twino, Savy, Neofinance, RoboCash, Viainvest, Crowdestor, Ekassa, TFG Crowd

Monethera review: What I have experienced so far

Firstly, some words about opening account at Monethera. For me it was easy process, all I needed was to fill personal data, upload ID and proof of address and wait for confirmation.

Add funds to Monthera account also is enough easy: you can choose to make a deposit through a bank. Due to SEPA it takes max 1 working day to receive money. However, you must be a verified investor at Monethera if you want to deposit funds.

Secondly, some facts about my experience with investments at Monethera. Returns for the projects presented at Monethera looks attractive. You can earn up to 22% annual returns. Projects are not instantly financed, so you have time to pick the one you like. There is no auto invest tool, only manual investment option (so everything has to be done by the investor). There is BuyBack guarantee that is attractive for P2P investors, however most important is if the loans are repaid on time.

All in all, Monethera is a young P2P platform from Estonia. It offers good returns (up to 22% per year) with BuyBack guarantee. I like the the website as it is very user friendly. Let’s see how it will evolve in the future.

Monethera review is written by Tomas Medeckis