Monefit

Monefit

2023 - 2026

2023 - 2026

Fintech

Fintech

Increased x3 Monthly Deposits and Cut Cost Per Deposit By 73% for a Pan-European Savings Platform

Increased x3 Monthly Deposits and Cut Cost Per Deposit By 73% for a Pan-European Savings Platform

Monefit SmartSaver is the high-yield savings and investment product of Estonian fintech group Creditstar, paying 7.5% to 10.52% APY with daily returns. We ran SmartSaver's paid social from its first Meta tests in March 2023 through May 2026, scaling it to €50k+ a month across 25+ European markets, four languages and three ad accounts, then expanding into Creditline, CreditStar and Monefit Card.

Monefit SmartSaver is the high-yield savings and investment product of Estonian fintech group Creditstar, paying 7.5% to 10.52% APY with daily returns. We ran SmartSaver's paid social from its first Meta tests in March 2023 through May 2026, scaling it to €50k+ a month across 25+ European markets, four languages and three ad accounts, then expanding into Creditline, CreditStar and Monefit Card.

Key Results

Key Results

3× monthly deposits within 12 months

3× monthly deposits within 12 months

-73% cost per deposit, on 18% less spend

-73% cost per deposit, on 18% less spend

Challenges

Challenges

We became Monefit's paid social partner in March 2023, five months after SmartSaver launched. Before our partnership, growth relied heavily on affiliate traffic. There was no system yet for turning Meta spend into deposits: no creative testing and no tracking from ad to successful deposit.

Solution

Actions

1. Structured paid acquisition by geo tier, country, offer, and language

  • Built Meta and Google campaigns from scratch, structured by market tier (based on lead quality and deposit amounts), local language, and interest rate offer (7.5%, 8.33%, 9.96%, 10.52%).

  • Tested 25+ European countries. Scaled the 11 top performing ones in terms of user deposits.

  • Designed a full-funnel acquisition system per country, from ad to landing page to deposit conversion.

2. Built ad creative strategy and scaled production

  • Created a creative testing engine across 4 languages, aligning copy, visuals, and tone to local user behavior.

  • Expanded creative concepts to fit Andromeda's requirements, testing hundreds of concepts, formats and creators per investor persona.

  • Over the engagement, Frontline’s creatives consistently outperformed assets produced by Monefit's internal design team.

During our partnership, SmartSaver grew from 4,200 investors to around 30,000. It took in €100m+ of investments in 2024 alone and had paid out €17.8m in returns by the end of 2025. Creditstar's own investor deck lists social media ads first among the ways investors find the platform.

Static Ad Creatives

Testimonial

Testimonial