Frequently asked questions

Who can become an investor on Robocash?

Any person age of 18, who has a bank account in one of the European Union countries, can become an investor on Robocash. Sign up and verify your identity

Citizens of which countries can invest money to Robocash?

At the moment, we are working with Switzerland and the EU countries, such as: Austria, Belgium, Bulgaria, Great Britain, Hungary, Germany, Greece, Denmark, Ireland, Spain, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, France, Croatia, Czech Republic, Sweden and Estonia. We do our best to start working with non-EU-countries. All potential investors will be informed when such opportunity becomes possible.

Can a company be an investor?

We have been working with legal entities since April 2017.
The following documents will be required for the registration:

• Certificate of incorporation
• A credential of representative
• Identity document of the representative.

How to become an investor on Robocash?

To start investing and earning income with Robocash, just fill in a simple registration form on our website. Once your identity is checked, add to your account the amount you're willing to invest, but remember the minimum amount is 10 Euro. Then create a portfolio with preferable parameters. That's it.

What is the minimum amount to be invested?

The minimum amount to be invested is 10 Euro.

What is the maximum amount to be invested?

Natural persons can invest up to €15,000 a month and €180,000 a year. Legal entities are allowed to invest up to €10,000 in total only.

How do options “balance”, “payout” and “reinvest” work?

“Balance” serves to withdraw money from the portfolio balance to the investor balance.
“Payout” is the automatic withdrawal of money (invested money+interests) straight to your bank account when you have no less than 50 EUR on the portfolio balance.
“Reinvest” allows you to reinvest money automatically in order to keep it always at work and earn more.

How can I deposit money into my account?

You can pay in by transferring funds to Robocash from your bank account.
You can do it through your online bank, in bank branches or through terminals that support the function of sending cash to the account.

Does Robocash take a fee for its service?

Robocash does not charge investors with any extra payments. Unlike other companies which charge fees for providing the service and the maintenance of the account, we cover these expenses by ourselves. The investor does not incur any expenses. Registration and opening an account are free.
Attention! You can get acquainted with the Price list, which is available here.

How to choose a loan to invest in?

Investments in our platform are completely automated. When you create a portfolio, choose desired parameters in accordance to which loans will be selected (time, country) and you will see all matching available loans. The system chooses the most profitable loans for you.

What happens to my investments after activation of the account?

Once you registered in the Robocash system, your account will be tied to two different balances - personal and investment. You can refill your personal balance and invest all funds or part of it to purchase loans. Until the funds are not spent, they are on your personal balance and they don’t carry interest. Then, when you make an investment, all funds or part of them (at investor’s option) are transferred to the investment account and begin to produce a profit.

How often can I add money to my personal balance?

You can add money to your balance as often as you need. There are no limitations.

I can’t sign in, what should I do?

In this case, check the login (your email address) and password that you entered once again. If you’re still unable to enter, use the password reset function. The link will be sent to the specified e-mail address to reset your password. After clicking on it you will be able to set a new password and enter your personal account.

My personal information (name, phone, email) is changed, what should I do?

Contact the support team to change the personal information entered at the registration. For this purpose, you can call + 385 1344-58-18 or write an e-mail to support@robo.cash.
Attention! The request must come from the phone number or email address that you provided upon registration. In addition, to protect your personal information, be ready to answer questions about the history of your investments. It will help to verify your identity and avoid fraud.

Some information isn’t displayed in the personal cabinet, what should I do?

If the website interface is displayed incorrectly, try to log out and log in again in 5 minutes. If this does not help, try using another browser.
If current balance or a list of purchased loans are displayed incorrectly, check the operations in the transaction list or register of purchased loans. All calculations are performed automatically, so the risk of error is very low.

How to remove my personal cabinet and data from the site?

In order to remove your profile from the site, you should fill in an application form and send its scan to the e-mail of our technical support support@robo.cash. The request will be executed within 3 working days.
In this case the money stored on your balance will be transferred to the last-used bank account. All active portfolios will include automatic withdrawal to your balance. Please notice that all the paybacks will be done within a period under the contract and not at the time of blocking your personal account.

How can I immediately contact the customer service?

You can write to our mail support@robo.cash or call the hotline + 385 1344-58-18 . Technical support is available from 7 AM to 3 PM, UTC +0

How does the "Maximize profit" button work?

"Maximize profit" button allows to set the portfolio in such a way that will allow to make a maximum profit from your investments (the perfect portfolio settings).

How does the "Minimum and maximum investment to a loan" slider work?

This slider helps you determine the amount of money you would like to invest in a loan.

How does the "Period of repayment range" slider work?

By moving the "Period of repayment range" slider, which means the loan period, you can choose to invest in short-term loans (from 7 to 30 days), or in long-term loans (from 31 to 365 days).

What is the "Invest partly" option for?

"Invest partly" allows several investors to invest funds in one loan instead of several loans, and share risks between each other. Thus, it allows to purchase only a part of a loan, in order not to wait for loans of a particular amount.

What will happen if the portfolio is deactivated?

In case you deactivate your portfolio, the "Payout" option is chosen automatically. The "Payout" option generates withdrawal sums (invested money+interest) after loans are closed, and when their amount reaches 50 EUR, it is automatically withdrawn to your bank account. You can always check the details of your withdrawals by clicking the "Withdraw funds" button on your summary page. You can also cancel your pending withdrawals before they are withdrawn to your bank account. When you cancel your pending withdrawals, your money will go to your investor's balance and you will have a possibility to manually invest it in your portfolio.

What will happen if the portfolio is deleted?

When the portfolio is deleted, invested money+interest from the closed loans of this portfolio will go to your investor's balance, so you will have a possibility to manually transfer funds from your investor's balance to your active portfolio balance or withdraw them to your bank account. After all loans in the deleted portfolio are closed, and all money is on the investor's balance, the empty portfolio will disappear from your summary page.

What does the investor's income include?

The investor's income is made by percentage earnings. Every borrower makes payments to repay the loan, in accordance with the signed loan agreement. The interest of the investor purchased the loan is transferred to the investment account after the borrower repaid the debt. For example, the investor acquires a loan in the amount of 70 Euro and gets back 70 Euro plus interest to the balance.

In what currency does the investor receive income?

Investor purchases loans and receives payments in Euro regardless what currency a borrower took.

Is the investor’s income taxed?

Robocash doesn’t withhold any taxes from an investor. However, the income of the investor is subsequently subjected to tax in accordance with the legislation of the investor's country.

What are the advantages of this method of investing?

The main advantages are the guaranteed income and high interest rates. The income rate from investments is significantly higher than traditional bank deposits. At the same time, the key difference of Robocash from other peer-to-peer platforms is that it guarantees a return on investments with accrued interests and undertakes all risks.

How and when is the payment disbursed?

If a borrower repays the loan on time, the disbursal is executed on the day of repayment of the principal amount by the borrower;
If a borrower doesn't repay the loan, the payment is made on the date of the buyout of receivables by Robocash. In case of non-compliance by the borrower, Robocash platform buys out the receivables from the investor on the 31st day of delay payment without further authorization from the investor.
Payment is disbursed by transferring funds to the Investor’s virtual balance from which he can transfer them to his bank account.

Is it possible to receive income directly into my bank account?

The site allows customizing the work so that the revenues are automatically redirected from the virtual investment account to the client's bank account.
For better cash management investors can specify multiple bank accounts on the platform and then choose the specific account to make a withdrawal of funds.

Is there any fee charged when an investor withdraws funds to the bank account?

Robocash doesn’t impose any additional fee. It’s better to find out if there are any charges taken by the bank where you have an account.

Where can I see the current state of my investments?

The current account value, purchased loans and other information would be seen in the account after signing in.

What happens if the loan is repaid earlier? Do I lose my interest?

The investor makes a profit on the days when the borrower actually uses the loan. Investor’s income payment date is the date of the loan repayment. In other words, if the loan was issued for one month, and repaid in one week, investors and creditors will receive the interest only for a week.

What happens if a borrower extends the loan? Does my income increase?

The borrower has a possibility to extend a loan for the same period for which it was issued initially. It doesn't matter for an investor because we purchase a loan on the 31st day of the initial date of repayment. It means that changes in the repayment date don't affect the buyback.

I've changed my mind, can I cancel the investment? At what stage?

In order to stop making new deals, disable your investment portfolios. An investor can't cancel signed treaties. You will have to wait until a loan repayment or an automatic liability buyout.

Does the investor have access to information about the borrower?

The investor can see some information about the borrower like terms and size of loans, as well as the citizenship country of the borrower. The investor doesn’t have access to other information. In accordance with the Law on Personal Data Protection, the lender doesn’t have rights to disclose personal data of its customers to third parties.

Can the investor contact the borrower on his own?

There is no such possibility and no need in it as we take all risks associated with non-return of a loan. The investor will receive the remuneration anyway; the loan repayment process and communication with the borrower - that's our job.

How is the check of a borrower is processed before the issue of a loan? How are the risks assessed?

Checking is based on many different parameters. For example, we analyze the data from social networks, information on payment of taxes and fines, the data from several credit bureaus. Moreover, the checking of the major part of the information is done automatically thanks to our high-scoring system which excludes the human factor and any related errors.

On what terms can borrowers receive loans?

Unsecured loans are issued for a period from 7 to 30 days in the amounts from €14 to €420. Secured loans are issued for a period from 1 to 12 months, in the amount from €353 to €14 120.

What regulations govern activities of Robocash?

Robocash d.o.o. is regulated by the laws and regulations of the Republic of Croatia.

How can I verify the legality and legitimacy of Robocash activity?

Robocash d.o.o. is a company included in the court register of the Republic of Croatia. The information about the company can be obtained in the form of extract from the court register of the Republic of Croatia.

What are the guarantees of buyback?

Investments always involve risk, but we provide loans with the buyback guarantee for assets and interests earned and provide the possibility of a liability buyout from an investor in case of repayment delay for more than 30 days.
If the borrower delays payment, we will buy the investor's share at the purchase price and will pay all the interest due.

What will happen if Robocash terminates its activity?

The platform Robocash operates within a financially stable group of companies. However, we understand your concerns and explain the procedure. If Robocash terminates its activity, investors will be given complete information about antecedent transactions from the website database, and Robocash liquidator or administrator will take all necessary measures to ensure that investment services transferred to another appropriate controller. Robocash updates relevant site data monthly according to the contract of safe storage.

What will happen if the creditor terminates its activity?

Using the services of our website, you acquire the receivables towards the borrower on the basis of the assignment agreement. If a lender goes bankrupt or becomes insolvent, this fact does not affect the terms of the assignment agreement.
Under assignment and cooperation agreements concluded between Robocash and the creditor, Robocash platform will act as trustee of the investor and will take control over the receivables.

When will the investor receive the income in case of delay or failure of the loan repayment?

In this case, interests are charged on a delay period and Robocash buys out the receivables on the 31st day of delay. Anyway, the investor has the complete buyback guarantee of investments and interests.