FAQ. Investor’s income

If you have questions, you will find answers to some of them in this section. The answers have been provided by our managers with extensive experience in the market and great expertise in the area. We hope that you will benefit from their advice and comments.
How do I earn money with Robo.cash?
The investor's income is made by percentage earnings. Our loan originators issue a loan, and the borrower makes payments in accordance with the signed loan agreement. The investor who purchased the right of claim for the loan gets interest for it.
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. If you need a tax report, you can download such a document for a certain period of time on the account statement page of your personal account. Choose "Tax report" from the "Statement type" drop down list to download it. The report shows your income earned from the loans of each lender separately.
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.
When and how do I get the invested money back?
As soon as the borrower repays the loan, the money and the earned interest is sent to your portfolio or account balance depending on your settings.
If the borrower doesn't repay the loan for 30 days after the due date, the Buyback Guarantee triggers and you get the payment on day 30 after the due date.
You can see the loans’ due dates and buyback dates in the corresponding columns on the “My investments” page of your personal account.
If I invest in a long-term loan, will I get the income only at the end of the term?
The loans of 90 days and longer bring you interest income each month. When the loan is due, you will get back the invested amount and the interest earned for the last month of owning the loan.
Also, you can sell a loan before the due date on our Secondary market. You can learn more about it in the section “Portfolio settings” of the FAQ.
What interest rates do you offer?
Annual interest rates on Robo.cash depend on the loan terms. The longer the term, the higher the interest rate. The average interest rate now is 10.2%.
In what currency does the investor receive income?
Investor purchases loans and receives payments in Euro regardless what currency a borrower took.
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.
What happens if a borrower extends the loan? Does my income increase?
The borrower has the possibility to extend a loan for the same period for which it was issued initially. It doesn't matter for an investor because we repurchase the loan on the 31st day after the initial date of repayment. It means that changes in the repayment date don't affect the buyback.
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.
Is it possible to receive income directly into my bank account?
You can choose the “Reinvest principal amount” option for your portfolio.
It will allow only your principal amount to be reinvested, and the earned interest will be transferred to your investor’s balance for further manual withdrawal.
Can I have several bank accounts linked to my Robo.cash account?
Yes, you can. In order for your new bank account to be linked to your Robo.cash account, you will have to make a funds transfer from your new IBAN to the Robo.cash platform. After that, you will have the possibility to choose a suitable bank account from the drop-down list during funds withdrawal, or your old IBAN can be removed by your request.
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 all loans are repaid or closed on the Buyback guarantee. You can also put your loans on secondary market any time and wait until other investors purchase them from you.

Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.