Monefit

2023 - 2026

Fintech

Generated €20.5m in Deposits at 22.8× ROAS 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 acquisition on Meta and Google from its first tests in 2023 through 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

€20.5m deposited from €900k of Meta and Google spend over the period

7× investor growth during our partnership

Challenges

We became Monefit’s paid acquisition 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 paid media spend into deposits: no creative testing and no tracking from ad to successful deposit. For a savings platform, money deposited is the metric that matters, and nothing in place measured it.

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, x3 monthly deposits and cutting cost per deposit by 73%.
Tracked performance by channel and country, from sign-up to first deposit and Vault opening, and allocated budget on deposits per € spent.

2. Built a full-funnel strategy across paid social and paid search

Positioned Meta as the most scalable top-of-funnel channel for reaching new savers across 25+ markets. It became SmartSaver’s largest source of new sign-ups.
Used Google paid search to capture high-intent demand from prospects already comparing savings rates. These users deposited far larger amounts than any other paid source.
Allocated budget between the two by market, scaling Meta for volume and protecting search for high-value deposits. Together the two channels drove more than half of all SmartSaver sign-ups.

3. 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.