Robocash Review 2026: Nine Years Without a Freeze, on a $4.25M Cushion

What is Robocash?

Robocash is a P2P lending platform owned by the UnaFinancial group and operating since February 2017. Investors contract with Robocash d.o.o., a company registered in Zagreb, Croatia. UnaFinancial is a consumer-lending group founded by Sergey Sedov. The group’s 2024 accounts list consumer-loan companies in Kazakhstan, Uzbekistan, the Philippines, Sri Lanka and Spain. Every loan on Robocash comes from one of the group’s companies, as Robocash’s own about page says. The platform’s statistics page counted €68 million outstanding on 2 November 2026, and its homepage €1.4 billion invested through the platform since 2017.

Robocash’s pitch is its track record, and the track record is real. What that record measures is the buyback the group’s companies pay, not the loans behind it.

How does Robocash work?

Robocash is a marketplace for claims on loans made by the group’s companies, which you buy under an assignment agreement with the company that made the loan. The user agreement calls that company “the Lender”, and Robocash calls it a loan originator. The assignment agreement appears in your account only after each purchase, so you can’t read the terms of an investment before you make it.

The loan originator passes the borrowers’ repayments to Robocash d.o.o. under an agreement between them that isn’t public, and Robocash passes them on to you. The user agreement says Robocash owes you nothing on a claim until the originator has been paid or its buyback falls due. Every claim carries a buyback obligation, under which the originator buys it back once the loan is more than 30 days late.

Investors pay Robocash no fees. Your rate is set apart from the loan’s, and the difference stays with the group’s companies, under an agreement between the loan originator and Robocash d.o.o. that isn’t published.

What you can invest in

Robocash offers two kinds of investment in November 2026, both of them claims on loans from its group, with a first purchase of at least €10. Its One-Click and Custom portfolios buy claims at 8–10.5% a year across three loan lines. One is Big Loan’s consumer loans in the Philippines, and two are commercial lines through which ROBOCASH BUCHAREST S.R.L. lends to the group’s own companies.

Robo Flow, introduced with the user agreement in force since 7 September 2026, buys claims Robocash designates for it at 6% a year, which its page calls fixed. Its interest accrues weekly, and it acts on reinvestment and withdrawal instructions only every 30 days.

What you own in both Robocash products is a claim right, the right to part of a loan’s repayments, assigned to you by the group company that made the loan. It isn’t a security, so no prospectus describes it and nobody holds it in custody for you.

What return can you expect on Robocash?

Robocash’s homepage reports an average return of 9.9%, and the median Robocash investor on P2P Dash has earned 10.2% a year including cashback, across 255 portfolios, as of November 2026. Investors’ yearly median was 12.3–12.5% from 2020 to 2022 and has fallen every year since, to 9.8% in 2025 and 9.4% so far in 2026. The fall follows Robocash’s rates, which reached up to 12.3% in 2021 and 13% in 2022, against 8–10.5% from each loan originator in August 2026. Robocash’s 9.9% holds so far, while the UnaFinancial group keeps paying.

Robocash withholds no tax. What erodes the return on Robocash isn’t fees but idle money, and how long money waits follows the group’s need for funding. The median Robocash investor on P2P Dash had 3.1% of their money uninvested in November 2026, about 0.3 points of return a year, and investors on Trustpilot described far more left uninvested for most of a year to August 2025, one of them €3,000 of €30,000 at the widest settings, and Robocash replied that “the demand for investments exceeds the supply”. When I checked Robocash’s public loan list, it was empty in August 2026 and held €0.6–1.5 million of loans from late October.

Robocash’s loyalty programme adds 0.5% a year on portfolios from €20,000 and 0.8% from €50,000, under terms that run until August 2027, and its cashback campaigns come and go.

Robocash is tied for the 10th-highest Returns score of the 21 platforms I’ve reviewed, 3.6 out of 5. The score rests on what investors kept last year and this year, not on advertised rates and not on the risk of losing money, which Is Robocash safe? covers.

Constant annual compounding, before tax. The rates are Robocash's own for October and November 2026 and the 9.9% is its reported average, not a measured return, since my account has held no money. A claim can lose value if the group company behind it can't pay.

Is Robocash safe?

Robocash protects your money against a late borrower but not against a failure of the UnaFinancial group, whose companies made every loan on the platform and owe every buyback. No regulator or compensation scheme stands behind Robocash. The group had $4.25 million of equity against $82.8 million owed to the platform’s investors at the end of 2024, per its own statements. Robocash publishes no default or loss statistic as of November 2026. Its statistics page has no category for loans more than 30 days late, because the buyback takes each one back at 30 days. The risk in the assets you hold remains fully yours.

Robocash is tied for the 12th-highest Safety score of the 21 platforms I’ve reviewed, 2.2 out of 5. The score rests mostly on how Robocash is built, with no licence, a Croatian operator with about €110,000 of equity and buybacks owed by group companies with little equity behind them, and partly on a record that investors’ own reports show holding through COVID and the war in Ukraine. A “group guarantee” that Robocash’s pages promise and no published contract contains also counts against it.

Is Robocash regulated?

No, Robocash isn’t regulated by any financial supervisor. Robocash d.o.o., the Croatian company you contract with, holds no financial services licence, and the footer of every Robocash page says so in its own words, “Robocash is not regulated under any financial services license.” No compensation scheme covers your money on Robocash.

In July 2024, Croatia’s central bank and its financial services supervisor jointly warned that online platforms selling claims on loans, Robocash’s model, fall under neither of them, and that no Croatian scheme protects the money invested through them. The warning named no platform. Latvijas Banka, Latvia’s central bank and financial supervisor, lists “Robocash d.o.o.” among companies providing financial services that require a licence without one, in a warning updated on 21 September 2026, and says money invested with these companies isn’t protected under Latvia’s investor protection law. Everything that protects your capital on Robocash is private: the contract and the group’s solvency.

What happens if Robocash fails?

Your claims on Robocash stay yours if Robocash itself fails, because you bought them from the group company that made each loan, and the user agreement says Robocash’s insolvency doesn’t affect your agreement with that company.

Your uninvested cash on Robocash is less safe. It sits in accounts in Robocash d.o.o.’s own name, at MultiPass, a UK e-money institution, and at 3S Money, the two the deposit page offered on 26 August 2026. The user agreement gives you “the right of claim against ROBOCASH” for it, the wording of a creditor rather than an owner. The same agreement keeps the cash “separately from the ROBOCASH’s funds” and returns it on insolvency “unless not allowed by applicable laws”. In a Croatian bankruptcy that leaves you a creditor of Robocash for your cash, in my assessment, since the safeguarding at an e-money institution such as MultiPass protects Robocash as the account holder, not you. The platform’s role in passing payments on would end with its bankruptcy, and the agreement names no backup servicer, so your repayments would then depend on the group company paying you directly.

The agreement also lets Robocash move your cash to whichever company takes over the platform. It caps Robocash’s liability for its own wrongdoing at the cash in your account when the loss occurs, a cap that approaches zero precisely when you’re invested.

Robocash d.o.o. has little of its own to absorb a mistake. It had €2,654 of share capital, about €110,000 of equity and two employees against an €8.4 million balance sheet in 2025, per its filing in the Croatian register.

Loan originators

Robocash’s loans all come from one group, UnaFinancial, which Robocash lists as three loan originators in November 2026. By number of active loans on 2 November 2026, 95% sat with RC Bucharest (Robocash SG), 5% with Big Loan and none with RC Bucharest (Kazakhstan), per Robocash’s statistics page. Big Loan is a consumer-loan app in the Philippines operated by Fingertip Finance Corp. Both RC Bucharest lines are ROBOCASH BUCHAREST S.R.L., a Romanian company whose “sole purpose”, per Robocash’s loan originators page, is “to provide financing for companies existing within UnaFinancial group through its ultimate holding company Robocash PTE. LTD.” Read closely, the three lines resolve into two destinations, the group’s Philippine consumer lending and the group itself, and both run through the group’s own companies.

ROBOCASH BUCHAREST S.R.L. was registered in April 2025. Its first accounts, filed with the Romanian tax authority for 2025, show €40 of paid share capital, no employees, negative equity of about €920,000 and about €63 million of receivables, close to the platform’s whole outstanding book and, by the purpose Robocash gives the company, lent onward to the group. No Robocash document says the originators keep a share of the loans they sell you.

Robocash has stated its model plainly. Answering an investor about missing loans in October 2024, it wrote that it “operates within the UnaFinancial holding and primarily raises funding for the holding’s companies”, and that loans were scarce because some of its loan originators had “no need for additional financing”.

UnaFinancial’s 2024 summary statements show $202 million of revenue, $0.6 million of profit, credit losses of $104.8 million that consumed 91% of the net interest margin, and $4.25 million of equity, down 58% in a year. Against that equity stood $82.8 million of “payables for assignment rights”, the money owed to Robocash’s investors, which funded about three-quarters of the group’s balance sheet. No later full-year figures were published by 2 November 2026.

UnaFinancial’s statements come with a Grant Thornton report on agreed-upon procedures that says “we do not express an opinion or an assurance conclusion”, and the audited full statements aren’t published. Robocash’s documents page still says in November 2026 that “the audited financial results of the Group” are on UnaFinancial’s page, where the latest are these 2024 summary statements. The assurance behind the figures is thinner than the platform admits.

Robocash.kz, the group’s consumer-loan company in Kazakhstan, publishes audited accounts on the Kazakhstan Stock Exchange. Its 2025 accounts, with an unqualified opinion from Grant Thornton, classed 79.8% of its gross loans as credit-impaired at the end of 2025, up from 58.9% a year earlier, and record a licence suspension that ended one of its agreements on 30 September 2025. For the group’s companies in the Philippines, Uzbekistan and Sri Lanka I found nothing an investor can read.

Digido, a Robocash loan originator until 2026, lost its Philippine licence and registration in May 2025 over four unlicensed branches. In February 2026 the Philippine SEC ordered it to stop permanently, finding that it had kept collecting through Fingertip Finance Corp., the company Robocash names as Big Loan’s operator. It was the second time for the same violation. In December 2019 the SEC revoked the authority of Robocash Finance Corp., a Philippine loan company tied to the group, for running branches without a licence, and Robocash announced it and stopped new investment in its loans. Both times, the group’s Philippine lending came back on Robocash through a newly listed company, Digido in 2022 and Big Loan in 2025.

Robocash’s loan originators page still called Digido “a duly registered corporation with a Certificate of Authority” in August 2026, more than a year after the revocation, and by late October 2026 Digido was gone from the page and from the loan list without a word. The platform that announced the 2019 suspension said nothing this time.

UnaFinancial’s ties to Russia run through two former subsidiaries and its owner. The group owned a Russian IT company and a Russian service company in 2023 and still held 49% of the IT company at the end of 2024, per its 2024 statements. Sergey Sedov separately took his Russian payday-loan company Zaymer public on the Moscow Exchange in April 2024, as Interfax reported. I found no sanctions on the group or on Sedov as of August 2026, and Robocash lists no Russian loans. In a structure where everything depends on one owner’s group, the owner’s wider footprint is part of the risk.

Buyback obligation

Robocash’s buyback obligation, often marketed as a buyback guarantee, protects you only as long as the group company behind your loan can pay. Under the user agreement, the loan originator buys your claim back once its loan is more than 30 days late, and an extension the originator grants on a loan counts as a delay. The buyback pays your principal and the interest for the whole time you held the claim, overdue period included, per Robocash’s How it works page.

For 95% of active loans by number, the company that owes the buyback is ROBOCASH BUCHAREST S.R.L., whose assets are almost entirely what the group owes it. Your buyback on those loans is in practice whatever Robocash PTE. LTD. in Singapore chooses or is able to pay, in my assessment.

No contract Robocash publishes gives you a “group guarantee” on top. The user agreement’s only protection is the buyback, and its latest version uses the word “guarantee” only to deny one, for buying loans by hand and for Robo Flow’s return or liquidity. Yet Robocash’s 2022 news post promised “Buyback and the Group guarantees” for all its loan originators, and its 2025 article says UnaFinancial “guarantees the solvency of all of its loan originators and the payment of their liabilities”. Its Robo Flow page says in November 2026 that investor protection “is supported by our 30-day Buyback Guarantee and Group Guarantee”. Robocash’s How it works page says in November 2026 that if a loan originator goes out of business, “one of the UnaFinancial group companies will take over these obligations”.

I treat the guarantee as non-existent, because no contract Robocash publishes contains one. A guarantee that the platform’s pages promise and no published contract contains counts against Robocash’s Safety score.

Defaults and recovery

Robocash publishes no default, buyback or loss statistic as of November 2026. Its statistics page sorts active loans only into current and 1–30 days late, and on 2 November 2026, 98.9% of them by number were current. The page has no category for later loans, because the buyback takes each claim back at 30 days.

I found no credible report of an investor losing money on Robocash since it opened in 2017, and no report of withdrawals being restricted through COVID or the war in Ukraine. The platform wrote in August 2025 that “no platform user has ever lost their funds nor access to them”, and an investor of seven years on Trustpilot called it “a pillar of reliability” in September 2025.

Robocash’s record describes the buyback, not the borrowers. Every loan more than 30 days late leaves the statistics page through the buyback before it can show as a loss, while the group’s Kazakh company classed most of its loans as credit-impaired. The record is real, but it isn’t evidence that the lending is sound. It’s evidence that the group has been willing and able to absorb the losses itself.

How investors’ Digido claims ended isn’t published. Digido had no active loans on Robocash’s statistics page on 30 October 2026, which the ordinary repayment of its loans of up to 183 days would also explain. No investor loss from either Philippine licence case has been reported.

Conflicts of interest

Robocash has four conflicts of interest with its investors, set out in its user agreement and its ownership.

• Robocash can change its terms and price list by posting them. Changes take effect 30 days after posting, or at once when Robocash counts them as in your favour, technical, legally required or a new feature, and Robocash can amend the assignment agreement behind every claim on its own. Objecting means closing your account, which you can do only once you hold no claims. My registration in August 2026 accepted user agreement version 10, expired by its own header since December 2024, and on 2 November 2026 Robocash’s documents page offered version 12.1 while its Robo Flow page linked version 12.2. Both mismatches tell you how much of this platform runs on trust in the operator.
• Robocash and the loan originators run your payments under an agreement you never see. The user agreement lets them set the dates and frequency of your interest and principal payments between them. How Robocash d.o.o. is paid under that agreement isn’t published, and the Croatian register shows only its total 2025 revenue of €268,236.
• The UnaFinancial group keeps the gap between the borrower’s rate and yours. The user agreement sets your rate “separately from the interest established in the Loan Agreement”, and both the loan originator and Robocash d.o.o. belong to the group. For a loan in another currency, such as Big Loan’s pesos, the originator or Robocash chooses the exchange rate that sets your euro price.
• One person controls the platform and every loan originator. Sergey Sedov owns most of the group behind both, so the platform that lists the loans answers to the same owner as the companies behind them, whose funding Robocash says is its purpose.

How do you use Robocash?

You use Robocash in five steps, from signing up to choosing a portfolio.

1. Sign up with your name, email address and phone number, and accept the user agreement.
2. Tell Robocash about yourself in the second step of the sign-up.
3. Verify your identity with your passport and proof of address.
4. Add money by SEPA bank transfer from an account in your own name.
5. Create a One-Click, Custom or Robo Flow portfolio, which Robocash lets you do only once your money has arrived.

Robocash is tied for the fifth-highest Usability score of the 21 platforms I’ve reviewed, 3.5 out of 5. The score rests on Robocash’s automated portfolios, which invest without your attention, and on its account statement for any period you choose. Two gaps count against it: you can’t buy single loans by hand, and an account without money sees no loans inside the account area.

Opening an account

Robocash verifies your identity through SumSub, with your passport and proof of address, before you can invest. I registered on 25 August 2026, and the verification email arrived less than three minutes after the welcome email. Robocash’s user agreement contains no test of your investing knowledge or experience, and the first step of its sign-up form asks for none.

Deposits

Depositing on Robocash is free and works only by SEPA bank transfer from an account in your own name. When I opened the deposit page on 26 August 2026, without depositing, it offered two accounts in the name of “Robocash doo”, one at MultiPass in the UK and one at 3S Money, and said the money arrives within 3 working days. You can deposit up to €50,000 a month.

Auto-invest

Robocash invests only through automated portfolios, which it offers in three kinds: One-Click, Custom and Robo Flow.

You can’t buy single loans by hand. The user agreement calls manual buying “not a guaranteed technical feature”, and the account area offers none. An account without money sees no loans inside the account area, because Robocash asks you to add funds before you can create a portfolio, which is where I stopped on 26 August 2026.

Tax reports

Robocash gives you an account statement for any period you choose, which shows your deposits, withdrawals, loans bought and closed, interest earned and bonuses. When I opened the statement page on 26 August 2026, its generator had a Type menu set to “Statement”, and I didn’t record whether the menu also offers a tax report. The user agreement leaves the tax on your income to you.

Support

Robocash offers support by email and by phone on weekdays from 9:00 to 17:00 CET, per its website, which no support contact of mine has tested. Complaints go through an online form on its documents page.

How fast can you get your money out of Robocash?

You can withdraw cash from Robocash for free within 2 business days, from €50. Invested money comes out as the loans behind your claims repay, or earlier when another Robocash investor buys your claims at face value on the secondary market. Money in Robo Flow that isn’t invested in claims comes out only on its 30-day cycle. If a loan originator stopped buying back, your claims on it would depend on what the group pays, and Robocash has no recovery record to show how that would go.

Robocash is tied for the fourth-highest Liquidity score of the 21 platforms I’ve reviewed, 3.0 out of 5. The score rests on Robocash’s published terms, since my account has held no money, with free withdrawals and a free secondary market weighed against a market that works only while other investors buy.

Withdrawals

Robocash withdrawals are free and take up to 2 business days, from a minimum of €50. A withdrawal goes back to the account you deposited from. These are Robocash’s terms, because my account has held no money to withdraw, and its Withdraw button was greyed out at €0 when I checked on 20 October 2026. One investor reported on Trustpilot that a withdrawal in April 2025 arrived from a bank account outside the EU, which cost about 4% in receiving-bank fees that Robocash apologized for but didn’t refund.

Secondary market

The Robocash secondary market is where you sell your claims to other Robocash investors before they mature, free of charge. Every way out works the same way. Turning off a One-Click portfolio, taking part of it out or pressing Sell lists your claims at face value plus the interest earned so far, and you’re paid on the day another investor buys them.

Robocash’s secondary market has no discount to speed a sale and no buyer of last resort, so under stress it’s a queue, not a market. I found no report of a sale on it failing to find a buyer since 2017. In my assessment, the shortage of loans that left deposits idle through August 2026 is also what has kept buyers coming.

Robo Flow’s page answers “Can I withdraw my money whenever I want?” with “Yes.” The user agreement that page links says a sale request “does not guarantee that another User will purchase it”, and that choosing Robo Flow isn’t “a guarantee of return or liquidity”. Robo Flow’s way out is the same queue as the rest of Robocash’s.

Closing your account

You can close your Robocash account at any time, by email or in your profile, once you hold no claims and owe nothing. Your cash is then paid out within 3 business days. Until every claim is sold or repaid, you can’t close the account, so leaving over a change of terms takes as long as selling or waiting out every claim.

What fees does Robocash charge?

Robocash charges investors nothing to deposit, invest, sell before maturity or withdraw.

Robocash’s price list confirms the zero line by line, and Robocash can amend it on its own, in some cases without posting the change first, so free is a current fact rather than a promise. For a loan in another currency, the euro price of your claim depends on an exchange rate the loan originator or Robocash chooses.

Pros and cons

Who should use Robocash?

Robocash suits investors who treat it as unsecured lending to one group and put in only what they could lose in full.

Robocash suits:

• Investors who want their money invested automatically, through portfolios Robocash manages, from a first purchase of €10
• A small position sized to survive the loss of everything lent to one group
• Investors who weigh a record of no reported investor loss since 2017 above protection they can enforce
• Investors who will follow the group’s annual accounts rather than the platform’s statistics page

Avoid Robocash if you are:

• Counting on protection beyond what one group can pay, because every loan and every buyback on Robocash depends on UnaFinancial
• Relying on a “group guarantee”, because Robocash’s pages promise one that no published contract gives you
• Looking for a regulator, a compensation scheme or audited group accounts you can read, because Robocash offers none of them
• Counting on selling before maturity whenever you choose, because a sale needs another investor to buy
• Wanting to read the agreement behind an investment before you make it, because Robocash shows it only after the purchase