The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Robocash scores 3.9 from 244, 0.7 points lower.
- On our own five-criteria score Maclear leads, 65% against 53%.
- Target return: Maclear 14.5-14.9%, Robocash 9-13%. Minimum: EUR 50 against EUR 10.
- Robocash suits set-and-forget consumer lending in small amounts. Maclear suits business loans you choose yourself, at a higher rate.
Maclear vs Robocash: the numbers
| Maclear | Robocash | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 3.9 / 5 |
| Trustpilot reviews | 971 | 244 |
| 5-star share | 77% | 70% |
| 1-star share | 4% | 7% |
| Our score (rank of 19) | 65% (#10) | 53% (#14) |
| Target return | 14.5-14.9% | 9-13% |
| Minimum investment | EUR 50 | EUR 10 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | No licence |
| Compensation scheme | None | None |
| Buyback | No | Yes |
| Secondary market | Yes | No |
| Loan types | SME loans, real estate, factoring | Consumer |
| Headquarters | Wallisellen, Switzerland | Zagreb, Croatia |
| Founded | 2022 | 2017 |
Trustpilot figures recorded 24 Sep 2026. Our score weights investor protection 30%, execution record 25%, return honesty 20%, transparency 15%, liquidity 10% (method).
Where Maclear is stronger
- A higher target return: 14.5-14.9% against 9-13%.
- Membership of a Swiss self-regulatory organisation; Robocash holds no licence at all.
- Loans to many businesses, rather than 100% of the book from one group's consumer lenders.
Where Robocash is stronger
- A buyback honoured since 2017.
- Complete automation from EUR 10, with very short loans.
- Supervision: No licence. Maclear has Swiss self-regulation only, no EU licence and a CNMV warning (May 2026).
What Maclear investors say
Two of the 38 Maclear reviews we checked by hand. For Robocash's reviews, see its Trustpilot page.
High yields, very reliable. In over a year, not a single payment was missed or late. And the bonuses are great
I have been investing in Maclear since January 2025 and I have received my first refunds on schedule. Everything has worked as promised. Monthly payments paid regularly...
Maclear or Robocash?
It depends on what you want. Robocash is stronger on a buyback honoured since 2017. Maclear is stronger on a higher target return: 14.5-14.9% against 9-13%. On our own five-criteria score Maclear leads, 65% against 53%. Many investors hold both, with the smaller share in whichever feels riskier to them.
Maclear scores 4.6 on Trustpilot from 971 reviews; Robocash scores 3.9 from 244, 0.7 points lower. One-star reviews make up 4% of Maclear's total and 7% of Robocash's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Robocash: No licence. Maclear is a member of a Swiss self-regulatory organisation for anti-money-laundering rules, holds no EU crowdfunding licence and was named in a CNMV warning in May 2026.
Capital at risk on both platforms. Neither a licence nor a buyback protects you from every loss, and past payments do not guarantee future ones.