{"id":2108,"date":"2025-11-17T22:41:08","date_gmt":"2025-11-17T21:41:08","guid":{"rendered":"https:\/\/p2phero.de\/?p=2108"},"modified":"2025-11-17T22:45:14","modified_gmt":"2025-11-17T21:45:14","slug":"monefit-smartsaver-introduit-les-paiements-instantanes","status":"publish","type":"post","link":"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/","title":{"rendered":"Monefit SmartSaver introduit les paiements instantan\u00e9s"},"content":{"rendered":"<p data-start=\"443\" data-end=\"779\">Ces deux derni\u00e8res ann\u00e9es, Monefit SmartSaver s'est impos\u00e9 discr\u00e8tement mais s\u00fbrement. Les int\u00e9r\u00eats quotidiens, la facilit\u00e9 d'utilisation et un look moderne ont rapidement rendu le service populaire dans la sc\u00e8ne fintech europ\u00e9enne. Pourtant, un point a toujours frein\u00e9 SmartSaver dans son plein potentiel : <strong data-start=\"739\" data-end=\"778\">jusqu'\u00e0 10 jours pour le paiement<\/strong>.<\/p>\n<p data-start=\"781\" data-end=\"927\">SmartSaver a maintenant r\u00e9agi \u2013 avec l'une des plus grosses mises \u00e0 jour depuis le lancement de la plateforme :<br data-start=\"875\" data-end=\"878\" \/><strong data-start=\"878\" data-end=\"927\">Paiements imm\u00e9diats et paiements planifi\u00e9s.<\/strong><\/p>\n<p data-start=\"929\" data-end=\"1194\">J'utilise SmartSaver depuis le <strong data-start=\"959\" data-end=\"975\">8 juin 2023<\/strong> et j'ai pendant ce temps <strong data-start=\"1000\" data-end=\"1020\">plus de 18 000 euros<\/strong> vers\u00e9 et retir\u00e9. J'ai profit\u00e9 des promotions bonus, encaiss\u00e9 des rendements, test\u00e9 les retraits \u2013 et je peux maintenant dire : cette mise \u00e0 jour change SmartSaver.<br data-start=\"1175\" data-end=\"1178\" \/>Dans le meilleur sens du terme.<\/p>\n<hr data-start=\"1196\" data-end=\"1199\" \/>\n<h1 data-start=\"1201\" data-end=\"1241\"><strong data-start=\"1203\" data-end=\"1241\">Pourquoi cette mise \u00e0 jour est-elle si importante<\/strong><\/h1>\n<p data-start=\"1243\" data-end=\"1291\">De nombreux utilisateurs se sont pos\u00e9 la m\u00eame question :<\/p>\n<blockquote data-start=\"1293\" data-end=\"1394\">\n<p data-start=\"1295\" data-end=\"1394\">\u201ePourquoi un retrait SmartSaver prend-il jusqu'\u00e0 10 jours alors que d'autres services paient instantan\u00e9ment ?\u201c<\/p>\n<\/blockquote>\n<p data-start=\"1396\" data-end=\"1583\">La r\u00e9ponse se trouvait jusqu'\u00e0 pr\u00e9sent dans la proc\u00e9dure backend de SmartSaver \u2013 les fonds se trouvaient dans le soi-disant <strong data-start=\"1489\" data-end=\"1508\">Anneau de liquidit\u00e9<\/strong>, qui \u00e9tait capitalis\u00e9 quotidiennement, mais dont le retrait \u00e9tait soumis \u00e0 un d\u00e9lai de carence.<\/p>\n<p data-start=\"1585\" data-end=\"1642\">Avec la nouvelle mise \u00e0 jour, SmartSaver s\u00e9pare ces deux voies :<\/p>\n<ul data-start=\"1644\" data-end=\"1738\">\n<li data-start=\"1644\" data-end=\"1677\">\n<p data-start=\"1646\" data-end=\"1677\"><strong data-start=\"1646\" data-end=\"1675\">Les int\u00e9r\u00eats journaliers continuent<\/strong><\/p>\n<\/li>\n<li data-start=\"1678\" data-end=\"1738\">\n<p data-start=\"1680\" data-end=\"1738\"><strong data-start=\"1680\" data-end=\"1716\">Les paiements sont d\u00e9sormais instantan\u00e9s<\/strong>, jusqu'\u00e0 1000 \u20ac par mois<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1740\" data-end=\"1883\">Avec cela, SmartSaver \u00e9volue vers une flexibilit\u00e9 que l'on connaissait jusqu'\u00e0 pr\u00e9sent plut\u00f4t des banques ou des portefeuilles \u00e9lectroniques \u2013 mais combin\u00e9e \u00e0 des taux d'int\u00e9r\u00eat \u00e9lev\u00e9s.<\/p>\n<hr data-start=\"1885\" data-end=\"1888\" \/>\n<h1 data-start=\"1890\" data-end=\"1957\"><strong data-start=\"1892\" data-end=\"1957\">Mes exp\u00e9riences personnelles avec SmartSaver \u2013 un aper\u00e7u<\/strong><\/h1>\n<p data-start=\"1959\" data-end=\"2085\">J'utilise SmartSaver intensivement depuis l'\u00e9t\u00e9 2023, d\u00e9posant et retirant de l'argent \u00e0 plusieurs reprises et profitant des promotions bonus.<\/p>\n<p data-start=\"2087\" data-end=\"2107\">Mes chiffres jusqu'\u00e0 pr\u00e9sent :<\/p>\n<ul data-start=\"2109\" data-end=\"2372\">\n<li data-start=\"2109\" data-end=\"2150\">\n<p data-start=\"2111\" data-end=\"2150\"><strong data-start=\"2111\" data-end=\"2134\">D\u00e9p\u00f4ts totaux :<\/strong> plus de 18 000 \u20ac<\/p>\n<\/li>\n<li data-start=\"2151\" data-end=\"2236\">\n<p data-start=\"2153\" data-end=\"2180\"><strong data-start=\"2153\" data-end=\"2172\">Rendement total :<\/strong> 542 \u20ac<\/p>\n<ul data-start=\"2183\" data-end=\"2236\">\n<li data-start=\"2183\" data-end=\"2209\">\n<p data-start=\"2185\" data-end=\"2209\"><strong data-start=\"2185\" data-end=\"2207\">315 \u20ac de bonus d'inscription<\/strong><\/p>\n<\/li>\n<li data-start=\"2212\" data-end=\"2236\">\n<p data-start=\"2214\" data-end=\"2236\"><strong data-start=\"2214\" data-end=\"2236\">227 \u20ac d'int\u00e9r\u00eats r\u00e9els<\/strong><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"2237\" data-end=\"2286\">\n<p data-start=\"2239\" data-end=\"2286\"><strong data-start=\"2239\" data-end=\"2268\">Dur\u00e9e de paiement pr\u00e9c\u00e9dente :<\/strong> environ 10 jours ouvrables<\/p>\n<\/li>\n<li data-start=\"2287\" data-end=\"2372\">\n<p data-start=\"2289\" data-end=\"2372\"><strong data-start=\"2289\" data-end=\"2310\">Utilisation actuelle :<\/strong> Encore 1000 \u20ac d\u00e9pos\u00e9s pour tester les retraits instantan\u00e9s<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2374\" data-end=\"2403\">Mon bilan apr\u00e8s 18 mois :<\/p>\n<ul data-start=\"2405\" data-end=\"2575\">\n<li data-start=\"2405\" data-end=\"2430\">\n<p data-start=\"2407\" data-end=\"2430\">Rendement : <strong data-start=\"2416\" data-end=\"2428\">tr\u00e8s bien<\/strong><\/p>\n<\/li>\n<li data-start=\"2431\" data-end=\"2462\">\n<p data-start=\"2433\" data-end=\"2462\">Utilisation : <strong data-start=\"2444\" data-end=\"2460\">excellent<\/strong><\/p>\n<\/li>\n<li data-start=\"2463\" data-end=\"2498\">\n<p data-start=\"2465\" data-end=\"2498\">Surface <strong data-start=\"2477\" data-end=\"2496\">moderne et clair<\/strong><\/p>\n<\/li>\n<li data-start=\"2499\" data-end=\"2531\">\n<p data-start=\"2501\" data-end=\"2531\">Paiements anticip\u00e9s : <strong data-start=\"2522\" data-end=\"2529\">D'accord<\/strong><\/p>\n<\/li>\n<li data-start=\"2532\" data-end=\"2575\">\n<p data-start=\"2534\" data-end=\"2575\">Paiements maintenant : <strong data-start=\"2554\" data-end=\"2575\">massivement am\u00e9lior\u00e9<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2577\" data-end=\"2654\">C'est justement la nouvelle flexibilit\u00e9 qui me donne envie d'investir \u00e0 nouveau.<\/p>\n<hr data-start=\"2656\" data-end=\"2659\" \/>\n<h1 data-start=\"2661\" data-end=\"2710\"><strong data-start=\"2663\" data-end=\"2710\">Comment fonctionnent les paiements instantan\u00e9s exactement ?<\/strong><\/h1>\n<p data-start=\"2712\" data-end=\"2760\">SmartSaver s\u00e9parera prochainement deux types de retraits :<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Afficher\/masquer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#1_Sofortauszahlungen_%E2%80%93_bis_1000_E_pro_Monat\" >Paiement imm\u00e9diat \u2013 jusqu\u2019\u00e0 1000 \u20ac par mois<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#2_Geplante_Auszahlungen\" >2. Paiements pr\u00e9vus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#1_Lange_Auszahlungsdauer\" >1. Long d\u00e9lai de paiement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#2_Konkurrenz_mit_hoheren_Zinsen\" >2. Concurrence \u00e0 taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#3_Bonusaktionen_wurden_seltener\" >3. Les promotions bonus sont devenues plus rares<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Wie_schnell_ist_eine_Sofortauszahlung_wirklich\" >\u00c0 quelle vitesse un retrait instantan\u00e9 est-il r\u00e9ellement ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Kostet_die_Sofortauszahlung_Gebuhren\" >Y a-t-il des frais pour le paiement instantan\u00e9 ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Was_passiert_bei_Betragen_uber_1000_E\" >Que se passe-t-il pour les montants sup\u00e9rieurs \u00e0 1000 \u20ac ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Zahle_ich_dann_weniger_Zinsen\" >Est-ce que je paierai moins d'int\u00e9r\u00eats ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Gibt_es_Neukundenboni\" >Existe-t-il des bonus pour les nouveaux clients ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Ist_SmartSaver_sicher\" >SmartSaver est-il s\u00fbr ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-fuehrt-sofortauszahlungen-ein\/#Hinweis_Transparenz\" >Note et transparence<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"2762\" data-end=\"2813\"><span class=\"ez-toc-section\" id=\"1_Sofortauszahlungen_%E2%80%93_bis_1000_E_pro_Monat\"><\/span><strong data-start=\"2765\" data-end=\"2813\">Paiement imm\u00e9diat \u2013 jusqu\u2019\u00e0 1000 \u20ac par mois<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"2814\" data-end=\"2984\">\n<li data-start=\"2814\" data-end=\"2856\">\n<p data-start=\"2816\" data-end=\"2856\">L'argent arrive le plus souvent en <em data-start=\"2839\" data-end=\"2856\">quelques minutes<\/em><\/p>\n<\/li>\n<li data-start=\"2857\" data-end=\"2904\">\n<p data-start=\"2859\" data-end=\"2904\">Paiement par <strong data-start=\"2874\" data-end=\"2904\">Virement bancaire ou carte<\/strong><\/p>\n<\/li>\n<li data-start=\"2905\" data-end=\"2943\">\n<p data-start=\"2907\" data-end=\"2943\">Limite : <strong data-start=\"2914\" data-end=\"2943\">1000 \u20ac par mois calendaire<\/strong><\/p>\n<\/li>\n<li data-start=\"2944\" data-end=\"2984\">\n<p data-start=\"2946\" data-end=\"2984\">Montants sur : encore 10 jours ouvrables<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2986\" data-end=\"3085\">SmartSaver indique m\u00eame le montant de votre limite imm\u00e9diate restante, ce qui est agr\u00e9ablement transparent.<\/p>\n<p data-start=\"3087\" data-end=\"3247\">Pour moi, personnellement, c'est le plus grand facteur de changement.<br data-start=\"3139\" data-end=\"3142\" \/>Je peux maintenant y d\u00e9poser 1000 \u20ac, gagner des int\u00e9r\u00eats et retirer l'argent imm\u00e9diatement si j'en ai besoin.<\/p>\n<h2 data-start=\"3249\" data-end=\"3280\"><span class=\"ez-toc-section\" id=\"2_Geplante_Auszahlungen\"><\/span><strong data-start=\"3252\" data-end=\"3280\">2. Paiements pr\u00e9vus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3281\" data-end=\"3291\">Id\u00e9al pour :<\/p>\n<ul data-start=\"3292\" data-end=\"3346\">\n<li data-start=\"3292\" data-end=\"3314\">\n<p data-start=\"3294\" data-end=\"3314\">d\u00e9penses r\u00e9guli\u00e8res<\/p>\n<\/li>\n<li data-start=\"3315\" data-end=\"3330\">\n<p data-start=\"3317\" data-end=\"3330\">Planification budg\u00e9taire<\/p>\n<\/li>\n<li data-start=\"3331\" data-end=\"3346\">\n<p data-start=\"3333\" data-end=\"3346\">rendez-vous fixes<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3348\" data-end=\"3428\">Vous pouvez choisir une date et SmartSaver effectuera le retrait automatiquement.<\/p>\n<hr data-start=\"3430\" data-end=\"3433\" \/>\n<h1 data-start=\"3435\" data-end=\"3478\"><strong data-start=\"3437\" data-end=\"3478\">Qu'est-ce qui change vraiment pour les investisseurs ?<\/strong><\/h1>\n<p data-start=\"3480\" data-end=\"3530\">Avant la mise \u00e0 jour, il y avait un hic psychologique :<\/p>\n<blockquote data-start=\"3532\" data-end=\"3596\">\n<p data-start=\"3534\" data-end=\"3596\">\u201eDix jours d'attente ? Je pr\u00e9f\u00e8re placer mon argent ailleurs.\u201c<\/p>\n<\/blockquote>\n<p data-start=\"3598\" data-end=\"3681\">Avec des retraits instantan\u00e9s, SmartSaver deviendrait beaucoup plus attrayant, surtout par rapport \u00e0 :<\/p>\n<ul data-start=\"3683\" data-end=\"3805\">\n<li data-start=\"3683\" data-end=\"3718\">\n<p data-start=\"3685\" data-end=\"3718\">Bondora (tr\u00e8s faible rendement)<\/p>\n<\/li>\n<li data-start=\"3719\" data-end=\"3764\">\n<p data-start=\"3721\" data-end=\"3764\">comptes d'\u00e9pargne traditionnels (g\u00e9n\u00e9ralement lents)<\/p>\n<\/li>\n<li data-start=\"3765\" data-end=\"3805\">\n<p data-start=\"3767\" data-end=\"3805\">Plateformes sans acc\u00e8s \u00e0 court terme<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3807\" data-end=\"3944\">SmartSaver est maintenant plus flexible, plus rapide et moins \u201e contraignant \u201c.<br data-start=\"3886\" data-end=\"3889\" \/>Pour de nombreux utilisateurs, le principal point de critique dispara\u00eet ainsi.<\/p>\n<hr data-start=\"3946\" data-end=\"3949\" \/>\n<h1 data-start=\"3951\" data-end=\"3999\"><strong data-start=\"3953\" data-end=\"3999\">Les taux d'int\u00e9r\u00eat quotidiens sont-ils fiables ?<\/strong><\/h1>\n<p data-start=\"4001\" data-end=\"4060\">J'ai suivi les taux d'int\u00e9r\u00eat sur 18 mois et je peux dire que :<\/p>\n<ul data-start=\"4062\" data-end=\"4165\">\n<li data-start=\"4062\" data-end=\"4094\">\n<p data-start=\"4064\" data-end=\"4094\">vous avez \u00e9t\u00e9 <strong data-start=\"4075\" data-end=\"4094\">r\u00e9serv\u00e9 quotidiennement<\/strong><\/p>\n<\/li>\n<li data-start=\"4095\" data-end=\"4114\">\n<p data-start=\"4097\" data-end=\"4114\">jamais en retard<\/p>\n<\/li>\n<li data-start=\"4115\" data-end=\"4136\">\n<p data-start=\"4117\" data-end=\"4136\">jamais omis<\/p>\n<\/li>\n<li data-start=\"4137\" data-end=\"4165\">\n<p data-start=\"4139\" data-end=\"4165\">exactement aussi haut que pr\u00e9vu<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4167\" data-end=\"4219\">Ce n'est pas une \u00e9vidence dans le domaine de la fintech.<\/p>\n<p data-start=\"4221\" data-end=\"4354\">Le rendement actuel est de <strong data-start=\"4252\" data-end=\"4294\">7,5 % par an (taux annuel effectif global)<\/strong><br data-start=\"4294\" data-end=\"4297\" \/>\u2013 tr\u00e8s fort pour un produit disponible quotidiennement.<\/p>\n<hr data-start=\"4356\" data-end=\"4359\" \/>\n<h1 data-start=\"4361\" data-end=\"4424\"><strong data-start=\"4363\" data-end=\"4424\">Pourquoi j'utilise SmartSaver malgr\u00e9 une forte conscience du risque<\/strong><\/h1>\n<p data-start=\"4426\" data-end=\"4592\">J'investis beaucoup dans des projets P2P avec des rendements \u00e0 deux chiffres (<a href=\"https:\/\/p2phero.de\/fr\/ventus-energy-review\/\">Ventus \u00c9nergie<\/a>, <a href=\"https:\/\/p2phero.de\/fr\/nectaro-review-meine-erfahrungen-mit-der-p2p-plattform-2025\/\">Nectaro<\/a>, <a href=\"https:\/\/p2phero.de\/fr\/avis-sur-swaper\/\">Changeur<\/a> etc.), c'est pourquoi je suis prudent lorsque une offre \u201esemble trop belle pour \u00eatre vraie\u201c.<\/p>\n<p data-start=\"4594\" data-end=\"4634\">Mais SmartSaver est un produit diff\u00e9rent :<\/p>\n<ul data-start=\"4636\" data-end=\"4750\">\n<li data-start=\"4636\" data-end=\"4658\">\n<p data-start=\"4638\" data-end=\"4658\">aucun projet de cr\u00e9dit<\/p>\n<\/li>\n<li data-start=\"4659\" data-end=\"4693\">\n<p data-start=\"4661\" data-end=\"4693\">aucun risque de d\u00e9faillance individuel<\/p>\n<\/li>\n<li data-start=\"4694\" data-end=\"4723\">\n<p data-start=\"4696\" data-end=\"4723\">pas d'engagement \u00e0 long terme<\/p>\n<\/li>\n<li data-start=\"4724\" data-end=\"4750\">\n<p data-start=\"4726\" data-end=\"4750\">disponibilit\u00e9 quotidienne<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4752\" data-end=\"4784\">Personnellement, j'utilise SmartSaver :<\/p>\n<ul data-start=\"4786\" data-end=\"4974\">\n<li data-start=\"4786\" data-end=\"4856\">\n<p data-start=\"4788\" data-end=\"4856\"><strong data-start=\"4788\" data-end=\"4806\">pour la liquidit\u00e9<\/strong>, que je ne veux pas laisser sur mon compte courant<\/p>\n<\/li>\n<li data-start=\"4857\" data-end=\"4882\">\n<p data-start=\"4859\" data-end=\"4882\"><strong data-start=\"4859\" data-end=\"4880\">pour des promotions bonus<\/strong><\/p>\n<\/li>\n<li data-start=\"4883\" data-end=\"4926\">\n<p data-start=\"4885\" data-end=\"4926\"><strong data-start=\"4885\" data-end=\"4924\">comme r\u00e9serve de tr\u00e9sorerie entre les projets<\/strong><\/p>\n<\/li>\n<li data-start=\"4927\" data-end=\"4974\">\n<p data-start=\"4929\" data-end=\"4974\"><strong data-start=\"4929\" data-end=\"4972\">pour les courtes dur\u00e9es de stationnement (1 \u00e0 30 jours)<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4976\" data-end=\"5037\">Les int\u00e9r\u00eats quotidiens s'accumulent visiblement et sont agr\u00e9ables.<\/p>\n<hr data-start=\"5039\" data-end=\"5042\" \/>\n<h1 data-start=\"5044\" data-end=\"5100\"><strong data-start=\"5046\" data-end=\"5100\">Ce qui me d\u00e9rangeait autrefois \u2013 et qui ne me d\u00e9range plus maintenant<\/strong><\/h1>\n<h2 data-start=\"5102\" data-end=\"5134\"><span class=\"ez-toc-section\" id=\"1_Lange_Auszahlungsdauer\"><\/span><strong data-start=\"5105\" data-end=\"5134\">1. Long d\u00e9lai de paiement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5135\" data-end=\"5187\">Dix jours ouvrables, c'\u00e9tait trop.<br data-start=\"5161\" data-end=\"5164\" \/>C'est fait.<\/p>\n<h2 data-start=\"5189\" data-end=\"5228\"><span class=\"ez-toc-section\" id=\"2_Konkurrenz_mit_hoheren_Zinsen\"><\/span><strong data-start=\"5192\" data-end=\"5228\">2. Concurrence \u00e0 taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5229\" data-end=\"5372\">Avec le Ventus Energy 16\u201318 %, c&#x27;est un tout autre monde.<br data-start=\"5276\" data-end=\"5279\" \/>Aber SmartSaver joue dans la cat\u00e9gorie \u201eargent quasi quotidien\u201c.<br data-start=\"5341\" data-end=\"5344\" \/>La comparaison est injuste.<\/p>\n<h2 data-start=\"5374\" data-end=\"5413\"><span class=\"ez-toc-section\" id=\"3_Bonusaktionen_wurden_seltener\"><\/span><strong data-start=\"5377\" data-end=\"5413\">3. Les promotions bonus sont devenues plus rares<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5414\" data-end=\"5508\">Mais le bonus de bienvenue actuel de <strong data-start=\"5453\" data-end=\"5477\">0,25 % apr\u00e8s 90 jours<\/strong> + <strong data-start=\"5480\" data-end=\"5498\">5 \u20ac de bonus de d\u00e9marrage<\/strong> C'est bon.<\/p>\n<hr data-start=\"5510\" data-end=\"5513\" \/>\n<h1 data-start=\"5515\" data-end=\"5566\"><strong data-start=\"5517\" data-end=\"5566\">Quelle est la s\u00e9curit\u00e9 technique des paiements instantan\u00e9s ?<\/strong><\/h1>\n<p data-start=\"5568\" data-end=\"5585\">SmartSaver utilise :<\/p>\n<ul data-start=\"5587\" data-end=\"5689\">\n<li data-start=\"5587\" data-end=\"5618\">\n<p data-start=\"5589\" data-end=\"5618\">partenaires de paiement europ\u00e9ens<\/p>\n<\/li>\n<li data-start=\"5619\" data-end=\"5633\">\n<p data-start=\"5621\" data-end=\"5633\">Rails SEPA<\/p>\n<\/li>\n<li data-start=\"5634\" data-end=\"5663\">\n<p data-start=\"5636\" data-end=\"5663\">remboursement direct de carte<\/p>\n<\/li>\n<li data-start=\"5664\" data-end=\"5689\">\n<p data-start=\"5666\" data-end=\"5689\">Traitement en temps r\u00e9el<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5691\" data-end=\"5752\">Cela explique pourquoi les retraits sont maintenant si rapides.<\/p>\n<p data-start=\"5754\" data-end=\"5843\">Un avantage technique :<br data-start=\"5778\" data-end=\"5781\" \/>Les paiements par carte (Visa) sont souvent <strong data-start=\"5817\" data-end=\"5842\">dans 30 \u00e0 180 secondes<\/strong>.<\/p>\n<hr data-start=\"5845\" data-end=\"5848\" \/>\n<h1 data-start=\"5850\" data-end=\"5916\"><strong data-start=\"5852\" data-end=\"5916\">Mon bilan personnel des nouveaux retraits SmartSaver<\/strong><\/h1>\n<p data-start=\"5918\" data-end=\"5986\"><strong data-start=\"5918\" data-end=\"5986\">SmartSaver s'est consid\u00e9rablement am\u00e9lior\u00e9 gr\u00e2ce \u00e0 une seule mise \u00e0 jour.<\/strong><\/p>\n<p data-start=\"5988\" data-end=\"6083\">Ceux qui ont \u00e9vit\u00e9 le produit jusqu'\u00e0 pr\u00e9sent \u00e0 cause du d\u00e9lai d'attente de 10 jours devraient y jeter un nouveau regard.<\/p>\n<p data-start=\"6085\" data-end=\"6117\">Mon avis apr\u00e8s la mise \u00e0 jour :<\/p>\n<ul data-start=\"6119\" data-end=\"6260\">\n<li data-start=\"6119\" data-end=\"6143\">\n<p data-start=\"6121\" data-end=\"6143\">Utilisation : <strong data-start=\"6132\" data-end=\"6141\">10\/10<\/strong><\/p>\n<\/li>\n<li data-start=\"6144\" data-end=\"6173\">\n<p data-start=\"6146\" data-end=\"6173\">Vitesse <strong data-start=\"6163\" data-end=\"6171\">9\/10<\/strong><\/p>\n<\/li>\n<li data-start=\"6174\" data-end=\"6223\">\n<p data-start=\"6176\" data-end=\"6223\">Rendement : <strong data-start=\"6185\" data-end=\"6195\">7,5\/10<\/strong> (tr\u00e8s bon pour la liquidit\u00e9)<\/p>\n<\/li>\n<li data-start=\"6224\" data-end=\"6260\">\n<p data-start=\"6226\" data-end=\"6260\">Confiance \/ Stabilit\u00e9 : <strong data-start=\"6250\" data-end=\"6258\">8\/10<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6262\" data-end=\"6381\">J'utilise \u00e0 nouveau SmartSaver plus activement - surtout pour les montants jusqu'\u00e0 <strong data-start=\"6336\" data-end=\"6346\">1000 \u20ac<\/strong>, que je souhaite pouvoir consulter \u00e0 tout moment.<\/p>\n<hr data-start=\"6383\" data-end=\"6386\" \/>\n<p data-start=\"6429\" data-end=\"6582\">\u27a1\ufe0f <a href=\"https:\/\/c.trackmytarget.com\/?a=v09036&amp;i=g61c9a\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"6432\" data-end=\"6488\">Testez SmartSaver maintenant et recevez des int\u00e9r\u00eats quotidiens *<\/strong><\/a><\/p>\n<hr data-start=\"6584\" data-end=\"6587\" \/>\n<h1 data-start=\"6589\" data-end=\"6615\"><strong data-start=\"6591\" data-end=\"6615\">FAQ \u2013 Foire aux questions<\/strong><\/h1>\n<h3 data-start=\"6617\" data-end=\"6674\"><span class=\"ez-toc-section\" id=\"Wie_schnell_ist_eine_Sofortauszahlung_wirklich\"><\/span><strong data-start=\"6621\" data-end=\"6672\">\u00c0 quelle vitesse un retrait instantan\u00e9 est-il r\u00e9ellement ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"6675\" data-end=\"6740\">La plupart du temps, des minutes.<br data-start=\"6692\" data-end=\"6695\" \/>Par virement bancaire selon votre banque.<\/p>\n<h3 data-start=\"6742\" data-end=\"6789\"><span class=\"ez-toc-section\" id=\"Kostet_die_Sofortauszahlung_Gebuhren\"><\/span><strong data-start=\"6746\" data-end=\"6787\">Y a-t-il des frais pour le paiement instantan\u00e9 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"6790\" data-end=\"6795\">Non.<\/p>\n<h3 data-start=\"6797\" data-end=\"6845\"><span class=\"ez-toc-section\" id=\"Was_passiert_bei_Betragen_uber_1000_E\"><\/span><strong data-start=\"6801\" data-end=\"6843\">Que se passe-t-il pour les montants sup\u00e9rieurs \u00e0 1000 \u20ac ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"6846\" data-end=\"6893\">Vous serez pay\u00e9 selon l'ancien processus de 10 jours.<\/p>\n<h3 data-start=\"6895\" data-end=\"6935\"><span class=\"ez-toc-section\" id=\"Zahle_ich_dann_weniger_Zinsen\"><\/span><strong data-start=\"6899\" data-end=\"6933\">Est-ce que je paierai moins d'int\u00e9r\u00eats ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"6936\" data-end=\"6997\">Non, les int\u00e9r\u00eats courent jusqu'au moment du d\u00e9boursement.<\/p>\n<h3 data-start=\"6999\" data-end=\"7031\"><span class=\"ez-toc-section\" id=\"Gibt_es_Neukundenboni\"><\/span><strong data-start=\"7003\" data-end=\"7029\">Existe-t-il des bonus pour les nouveaux clients ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"7032\" data-end=\"7080\">Oui : 5 \u20ac de bonus de bienvenue + 0,25 % de bonus apr\u00e8s 90 jours.<\/p>\n<h3 data-start=\"7082\" data-end=\"7114\"><span class=\"ez-toc-section\" id=\"Ist_SmartSaver_sicher\"><\/span><strong data-start=\"7086\" data-end=\"7112\">SmartSaver est-il s\u00fbr ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"7115\" data-end=\"7242\">Ce n'est pas un produit bancaire, mais une application d'investissement, donc toujours avec des risques.<br data-start=\"7194\" data-end=\"7197\" \/>Mais techniquement, tout fonctionne de mani\u00e8re stable et solide.<\/p>\n<h3 data-start=\"163\" data-end=\"192\"><span class=\"ez-toc-section\" id=\"Hinweis_Transparenz\"><\/span><strong data-start=\"167\" data-end=\"192\">Note et transparence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"194\" data-end=\"429\">Cet article pr\u00e9sente <strong data-start=\"216\" data-end=\"240\">pas de conseil en investissement<\/strong>, <strong data-start=\"242\" data-end=\"268\">aucune recommandation financi\u00e8re<\/strong> et <strong data-start=\"273\" data-end=\"311\">pas d'incitation \u00e0 investir<\/strong> dar. Il s'agit d'exp\u00e9riences et d'\u00e9valuations personnelles qui peuvent \u00eatre diff\u00e9rentes pour d'autres investisseurs.<\/p>\n<p data-start=\"431\" data-end=\"645\">Les investissements dans les produits FinTech, les applications d\u2019\u00e9pargne ou les mod\u00e8les d\u2019int\u00e9r\u00eats modernes comportent toujours des risques, notamment des pertes potentielles, des probl\u00e8mes techniques ou des modifications des conditions par le fournisseur.<\/p>\n<p data-start=\"647\" data-end=\"890\">Malgr\u00e9 des recherches approfondies, <strong data-start=\"683\" data-end=\"693\">Erreur<\/strong>, <strong data-start=\"695\" data-end=\"716\">indications obsol\u00e8tes<\/strong> ou <strong data-start=\"722\" data-end=\"753\">Divergences d'interpr\u00e9tation<\/strong> ne peut \u00eatre exclu. V\u00e9rifiez donc les informations importantes directement aupr\u00e8s du fournisseur et prenez vos d\u00e9cisions de mani\u00e8re autonome.<\/p>","protected":false},"excerpt":{"rendered":"<p>Die letzten zwei Jahre haben Monefit SmartSaver leise, aber konsequent gepr\u00e4gt. T\u00e4gliche Zinsen, unkomplizierte Bedienung und ein moderner Look haben den Dienst in der europ\u00e4ischen Fintech-Szene schnell beliebt gemacht. Doch ein Punkt stand immer zwischen SmartSaver und seinem vollen Potenzial: die bis zu 10 Tage Auszahlungsdauer. Jetzt hat SmartSaver darauf reagiert \u2013 mit einem der [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":238,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[9],"tags":[],"class_list":["post-2108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-p2p-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Monefit SmartSaver f\u00fchrt Sofortauszahlungen ein<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-introduit-les-paiements-instantanes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monefit SmartSaver f\u00fchrt Sofortauszahlungen ein\" \/>\n<meta property=\"og:description\" content=\"Die letzten zwei Jahre haben Monefit SmartSaver leise, aber konsequent gepr\u00e4gt. T\u00e4gliche Zinsen, unkomplizierte Bedienung und ein moderner Look haben den Dienst in der europ\u00e4ischen Fintech-Szene schnell beliebt gemacht. Doch ein Punkt stand immer zwischen SmartSaver und seinem vollen Potenzial: die bis zu 10 Tage Auszahlungsdauer. Jetzt hat SmartSaver darauf reagiert \u2013 mit einem der [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/p2phero.de\/fr\/monefit-smartsaver-introduit-les-paiements-instantanes\/\" \/>\n<meta property=\"og:site_name\" content=\"P2P-Kredite Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-17T21:41:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-17T21:45:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/p2phero.de\/wp-content\/uploads\/2023\/06\/Monefit-SmartSaver.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1149\" \/>\n\t<meta property=\"og:image:height\" content=\"676\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sebastian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sebastian\" \/>\n\t<meta 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