Get the most out of your savings with Smart Term Products
Discover a smarter way to grow your money with our fixed-term products. Choose the duration that suits your goals — and earn daily interest, without hassle or hidden fees.
Featured products
Deposit money whenever you want and start seeing the return on your savings reflected in your app every day.
Product subject to terms and conditions
Advanced One
3%
Annual Equivalent Rate
Term: 1 year
Advance payment of interest
Smart One
3%
Annual Equivalent Rate
Term: 1 year
Daily estimated interest payments
Smart Market
4%
Annual Equivalent Rate
Term: 3 years
Daily estimated interest payments
Smart Dynamic
6%
Annual Equivalent Rate
Term: 5 yeras
Daily estimated interest payments
Investments of less than a year
Looking for short-term options? Choose from 30, 90, or 180 days and grow your savings with daily interest. Perfect for those who want results — fast.
Smart 30
Term: 30 days
2.6% Annual Equivalent Rate
Earn daily interest in just 1 month.
Ideal for very short-term needs or testing out Smart products.
Smart 90
Term: 90 days
2.7% Annual Equivalent Rate
3 months to grow your savings with consistency and safety. A solid balance between flexibility and return.
Smart 180
Term: 180 days
2.8% Annual Equivalent Rate
6 months to let your money work harder. A great alternative to traditional short-term deposits.
Plan for the near future — or think bigger.
Short-term flexibility or long-term growth?
With Smart Term Products, you choose the path that fits your life and goals.
Save for something just around the corner — a trip, a project, or a safety cushion — with terms from 30 to 180 days.
Or think further ahead, and enjoy stronger returns by locking in your money for 1 to 5 years.
Whatever you choose, you’ll earn estimated daily interest and keep full visibility of your money in the Safe Company app.
You can make new contributions or withdraw funds whenever you need to. In addition, this will allow you to invest in Smart term products, reaching up to 6% Annual equivalent rate.
How is your money protected?
Collateral-backed loans
All Smart products are collateralised (asset/property).
High regulatory standards
Your funds are deposited with an electronic money institution (EDE) regulated by the European Central Bank.
Projected fixed returns
Stable returns are offered through the purchase of previously granted credit rights.