Robocash Review 2026: Licence, Buyback, Fees and Risks

Written by Thomas Lovas Lokoy — researched and drafted with AI assistance from published sources; edited and published by NorwegianSpark SA · Last updated: October 2026

The short answer: Robocash is a Croatian-registered P2P platform where you buy claim rights to loans issued by lenders in its own group, UnaFinancial — currently consumer lenders in the Philippines and two Romanian financing vehicles funding group businesses in Kazakhstan and Singapore. Every loan carries a 30-day buyback from the originator, the platform charges investors no fees, it reports a 9.9% average return, and it is open to residents of the EU, UK and Switzerland, in euros only, from €10. The catch is stated in its own footer: Robocash "is not regulated under any financial services license", and because every originator sits in one group, the buyback and the loans can fail together. Your capital is at risk and there is no deposit protection.

Robocash at a glance

Figures read from robo.cash on 17 October 2026:

Who you are actually lending to

Robocash lists four originators, all UnaFinancial entities:

Two details matter. First, the two RC Bucharest listings are not consumer loans to borrowers: Robocash describes ROBOCASH BUCHAREST S.R.L. as a special purpose vehicle whose "sole purpose is to provide financing for companies existing within UnaFinancial group". Lending through them is lending to the group itself, and their terms run up to 1,095 days — three years — not weeks. Second, Big Loan launched in 2025, so it has little history of its own.

If you have read our TWINO review or our Lendermarket review, the broad shape will feel familiar — short-term credit protected by an originator's buyback rather than by collateral. The difference is that on Robocash every originator belongs to one group.

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How it works

You deposit euros and set up a portfolio — Robocash promotes one-click, automated portfolios — and repayments are reinvested into new loans that match your settings. Because many loans are short, money recycles quickly, which can feel like a rolling deposit. It is not one: there is no deposit guarantee, and your protection is the originator's promise.

Worked example — what the buyback does and does not do. You hold €1,000 of a 30-day loan at 9% a year. If it is repaid on time, you earn about €7.40 (1,000 × 9% × 30 ÷ 365). If the borrower stops paying, the originator is obliged to buy the loan back once it is more than 30 days late, so your money comes back from the originator instead of the borrower. That protects you from a single borrower defaulting. It does not protect you if the originator itself cannot pay — and on Robocash, every originator is part of the same group.

Returns

The originators' listed rates are 8–10.5%, and the homepage shows an average return of 9.9%. Rates are not an expectation: realised return falls with any buyback the group fails to honour, with uninvested cash, and with tax. As an illustration only, €1,000 earning 8% for a year would be €80 before losses and tax. We do not forecast a return; the reasoning behind P2P returns is in our P2P lending guide.

Robocash also states that "Historical data indicates that claims of rights purchased through Robocash with due dates at least 31 days before the current date have been repaid to buyers on time." That is a statement about the past, made by the platform, and says nothing about a future group-level problem.

Fees and getting money out

Robocash says it charges investors no fees for any operation, including deposits, withdrawals, the secondary market and portfolio management. That makes credit loss, not fees, your real cost. The secondary market is the route out before loans mature; selling there depends on another investor wanting to buy, so treat money as committed for the loan term — which, on the RC Bucharest listings, can be years. Confirm the live terms before depositing.

The group model: why it is the main risk

On a platform with independent originators, one originator failing hurts but your others are separate businesses. On Robocash, the platform and all four originators belong to UnaFinancial. Robocash presents this as a strength — it says it has "direct access to the lenders' financial flows and operational details" — and in calm conditions it can mean consistent processes. Under stress, the same link means a group-level problem could hit your loans and your buyback protection at the same time.

Worked example (hypothetical recovery rate). You have €2,000 to put into consumer-lending P2P.

The 40% recovery figure is invented for illustration; real recoveries after a lender failure can be higher or much lower. The point is structural: spreading across Robocash's originators does not diversify away the group risk. The lever you control is position size.

Other risks

Who Robocash suits

Hands-off investors in the EU, UK or Switzerland who want automated exposure to high-rate consumer credit, who have read the regulatory statement, and who accept that the whole position depends on one group. It belongs, if at all, as a small slice beside core holdings — and never as a home for emergency savings. It does not suit anyone who needs reliable access to the money or cannot accept losing it.

How Robocash compares

Against other buyback platforms — TWINO, Lendermarket and Nectaro, whose lenders also sit in one group — Robocash's distinguishing features are the single-group structure, the absence of any financial licence and zero investor fees. Investors who prefer collateral to an originator promise should compare it with property- and land-backed options such as EstateGuru and LANDE, and the best P2P platforms in Europe ranks the field by licence. For a sceptical view of the whole sector, read the P2P lending sceptic's guide.

How to get started

1. Register and complete identity checks (EU, UK or Swiss residence and bank account required).

2. Start with a small deposit to learn the interface.

3. Check which originators your automated portfolio uses — the RC Bucharest listings are long-term group financing, not short consumer loans.

4. Monitor late loans and news about UnaFinancial.

5. Keep records: interest from a foreign platform is usually not taxed at source, so declaring it is normally your job under your own country's rules.

Our verdict

Robocash makes consumer-credit investing almost effortless: no fees, automation from €10, and a 30-day buyback on every loan. Its weaknesses are stated on its own site — no financial services licence, and every originator in one group — and they are the same weakness seen twice: if UnaFinancial runs into trouble, the loans and the buyback are both affected. For a risk-tolerant investor holding a small, deliberately sized position, it can be a reasonable income satellite. Do not treat its rolling-deposit feel as anything like a savings account.

See current Robocash loans →

Frequently Asked Questions

Is Robocash regulated?

No. Its own footer states that "Robocash is not regulated under any financial services license" and that investors buy claim rights to loan receivables. The operating company, Robocash d.o.o., is registered in Zagreb, Croatia.

Does the buyback guarantee make Robocash safe?

No. If a loan is more than 30 days late, the originator is obliged to buy it back, which protects you from an individual borrower defaulting. Because all originators belong to the UnaFinancial group, a group-level problem could affect the buyback and the loans together.

Who can invest in Robocash?

Robocash says residents of the EU, the UK or Switzerland aged 18 or over, with a personal bank account in one of those countries. All investments are in euros, starting from €10.

Can I get my money out quickly?

Many loans are short and the secondary market is free to use, but a sale needs a buyer. Some listings run up to 1,095 days, so assume funds are committed for the loan term.

Capital at risk. Not financial advice. See our disclosure for details.