🎁 A €5 bonus is automatically added to a new investor’s Go & Grow account after sign-up, but cannot be withdrawn during the first 30 days. To keep the bonus, the investor must deposit at least €50 within 30 days of registering. After that period, if their account balance is below €55 (i.e. €50 deposit + €5 bonus), the bonus will be removed. If the balance is €55 or more, the bonus becomes withdrawable.
The most user-friendly and liquid option for passive P2P income, though transparency remains limited.
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€1.00
€10,000.00
Moderate risk with balanced returns
6.0%
0 reviews
Community total (base currency)
Without bonuses
Community members
4.1/5
Bondora excels by offering the highly automated Go & Grow product, making P2P investing accessible and yielding stable returns up to 6.75%. Its strong track record and liquidity are key advantages. However, the platform's decision to phase out manual investing and the lack of transparency in the Go & Grow portfolio prevent a top-tier score.
The ultimate set-and-forget P2P investment platform offering stable returns up to 6.75% via its popular Go & Grow product.
Tired of complicated P2P lending platforms? Bondora, established in 2008, pioneered simple investing with its flagship Go & Grow product. Offering automated diversification and stable daily returns, it’s designed for investors seeking hassle-free growth and high liquidity, without the need to manage individual loans.
Bondora is one of Europe’s most established online investment platforms, founded in 2008 and based in Tallinn, Estonia. While it started as a traditional P2P platform, it now focuses almost entirely on its proprietary, highly diversified, automated investment product, Go & Grow. It is supervised by the Estonian Financial Supervision Authority (FSA). As of late 2023, Bondora has facilitated over €1.79B in investments.
Investors choose Bondora for its simplicity, stability, and high liquidity. The Go & Grow product automates diversification across thousands of loan fractions in multiple European countries (Estonia, Finland, Spain, etc.), aiming for a consistent return of up to 6.75% p.a. The platform is secure, regulated, and offers withdrawals with minimal fees.
The investment process is straightforward: 1. Register and verify your account quickly via KYC/AML processes. 2. Deposit funds (minimum €1). 3. Funds are automatically invested into the Go & Grow portfolio, which consists of highly diversified loan fractions. 4. Earn daily returns up to 6.75% p.a. 5. Withdraw funds anytime for a flat €1 fee.
The primary and most popular product. It offers automated diversification across consumer loans in multiple European markets, targeting an annualized return of up to 6.75% with high liquidity.
The underlying asset of Go & Grow: unsecured consumer loans issued to verified customers in countries like Estonia, Finland, and Spain, diversified across various risk ratings (A-HR).
Loan Types: Unsecured Consumer Loans
Liquidity: Flexible, with the primary Go & Grow product offering instant withdrawal (no fixed term).
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Go & Grow is ideal for beginners due to its simplicity, automated diversification, and protection against high volatility, making it a low-maintenance 'set-and-forget' option.
Investors prioritizing access to capital will appreciate the ability to withdraw funds from Go & Grow instantly (subject to a small fee and potential liquidity constraints during extreme market stress).
Perfect for those who want daily compounding returns without actively managing or monitoring individual loan performance or defaults.
The minimum investment amount is only €1, making Bondora highly accessible for new investors.
The Go & Grow product targets an annual return of up to 6.75% p.a. This return is credited daily and compounds over time.
Bondora’s primary protection is automated diversification across thousands of unsecured consumer loans in multiple countries. Unlike traditional P2P, Go & Grow manages defaults internally to maintain the stable 6.75% return, but it does not offer a Buyback Guarantee or Provision Fund.
Withdrawals from the Go & Grow product are typically instant, providing high liquidity. There is a flat fee of €1 per withdrawal, regardless of the amount. However, Bondora reserves the right to limit withdrawals during extreme liquidity events.
No. Bondora has discontinued its secondary market and manual investment options to focus exclusively on the fully automated Go & Grow product.
Yes, Bondora AS operates as a Licensed Credit Provider and is supervised by the Estonian Financial Supervision Authority (FSA). It also complies with local lending legislation in the countries where it operates.
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