Bondora’s Go & Grow review
7
(our review)
Bondora offers consumer loans and is one of Europe’s oldest peer-to-peer platforms. Through its Go & Grow investment platform, you invest across a range of these loans. The editorial team at Investmentplatforms.eu has invested through Bondora for years. In our latest review, we give the platform a score of 7.
Content:
Note: online investing through Bondora’s Go & Grow carries risks. You may lose (a part of) your investment.
What is Bondora’s Go & Grow
Bondora has been active since 2007, making it one of Europe’s oldest and larger p2p platforms. Based in Estonia, it had issued over 2 billion euros in loans by mid-2026. According to Bondora, it has been profitable since 2016.
For investors its main feature is Go & Grow OÜ, which offers a relatively stable return.
Bondora is often compared to Monefit, or peer-to-peer lending platforms like Mintos and PeerBerry.
Looking for steady returns without active management? Discover Monefit SmartSaver, offering returns of up to 10.52 percent per year through fixed-term vaults. Recommended for its simplicity and ease of use.
Bondora’s history and Go & Grow
When we first started investing through Bondora, we could select individual loans. At the time, these offered an average interest rate of up to 24 percent.
For years, Bondora also used cartoon characters in its branding. These resembled Elsa and Anna from Disney’s Frozen, dressed in racing or astronaut suits.
Introduction of Go & Grow
Bondora introduced Go & Grow in 2018. It automatically spreads your investment across loans and offers a relatively stable return of up to 6 percent per year.
That may seem like a large drop, but peer-to-peer lending carries significant risks. Late payments and write-downs meant our net return at the time was not much higher than under the current Go & Grow program. Other platforms still let investors select individual loans.
Go & Grow quickly became popular. Even when investors could still choose individual loans, 92 percent already preferred Go & Grow.
The returns of Go & Grow are max. 6 percent per year.
Go & Grow: consumer p2p loans
When you invest through Bondora’s Go & Grow OÜ, you lend money to consumers. Go & Grow is the only investment product available, and you can no longer select individual loans. While p2p lending is often associated with high interest rates, Bondora offers an expected return of up to 6 percent per year.
This is an expected return. In our experience, returns have been stable for years. However, the terms allow Bondora to make changes. If problems arise, it may reduce returns, pause payouts or pass on losses to investors.
Bondora usability
Bondora is available in several languages. At Investmentplatforms.eu, we find the English texts slightly better than the Dutch version. You can choose whichever language you prefer. The platform is easy to use, as Go & Grow offers just one investment product.
Go & Grow credits returns daily and has no fixed investment term. Its terms state that withdrawals depend on supply and demand. We have invested for years, and our withdrawals have always been processed quickly.
Deposits and withdrawals
You add money by bank transfer, using the bank details and unique payment reference shown in your account. You can also assign your deposit to a specific investment goal.
Withdrawals are sent to your verified bank account and cost 1 euro per withdrawal. According to Go & Grow, withdrawals are completed within 3 business days. If insufficient funds are available, payouts may take longer.
Bondora in Europe
Based in Estonia, Go & Grow OÜ is available to investors across Europe. Your investment is automatically spread across consumer loans from Bondora customers in Estonia, Finland, the Netherlands, Spain and Latvia.
Customer Service in English
Customer service is somewhat limited, offering only email support in English or German. During our review, we asked questions at various times, and responses could take a while during busy periods.
Returns & fees
As an investor, you pay 1 euro per withdrawal. Borrowers cover Bondora’s other fees. Opening an account is free, and the platform does not charge management fees.
Go & Grow offers returns of up to 6 percent per year, credited daily. We see regular credits, but our account does not show our personal rate of return. We therefore cannot confirm that our actual annual return is exactly 6 percent.
Reliability and risks
The returns advertised by Go & Grow are indicative. Bondora was founded in 2007 and has built a long track record with Go & Grow. We have experienced stable returns, which contributes to our confidence in the platform. However, past performance does not guarantee future results. You face investment risks and may lose your money.
No specific investment supervision
Go & Grow is not subject to specific investment supervision. Bondora AS has held a credit licence from the Estonian Financial Supervisory Authority since 21 March 2016. This licence covers its lending activities, rather than the Go & Grow OÜ investment product.
According to the platform, client funds are held separately. However, your investment is not covered by an investor compensation scheme. Despite the lack of specific investment supervision, we consider Bondora one of the more reliable p2p platforms.
Review score: 7
In our latest review, we give Bondora’s Go & Grow program a score of 7. Investing is simple, and your money is automatically spread across a large number of consumer loans. We have invested for years, experienced stable returns and always received our withdrawals quickly.
However, you have little control over the investments, and your return is capped at 6 percent per year. Go & Grow is not subject to specific investment supervision and offers no investor compensation scheme. Returns may fall, withdrawals may be delayed, and you may lose your investment.
For us, its simplicity is a benefit, but you need to trust the provider’s approach.
Disclaimers
Investing involves risk. You may lose some or all of your investment. This review was written by the editorial team of Investmentplatforms.EU and is based on our own experience and assessment. Our income comes from advertising and compensation from providers. More information about our editorial process is available on our About us page.
