High yield. Low effort.
Meticulously engineered for you
Fractional ownership
Risk-buffer
Strong diversification
Fast liquidity
Effortless experience
What powers your Go & Grow investment
Backed by data
Effective recovery
Built for resilience
Committed to compliance
Growing market
Your balanced option
Bank deposit | Go & Grow | Stocks / ETFs | |
|---|---|---|---|
Avg. return rate | 2-3,5%¹ | Up to 6%* | ~7%² |
Access to money | Locked (fixed-term) | Near-instant | Delayed (must sell first) |
Volatility | None | Stable historical performance. Returns may vary | High |
Risk | Government-backed deposit guarantee | Backed by Bondora’s credit risk framework. Capital is not guaranteed | Exposed to market risk. Limited capital protection under investor protection schemes |
Ease of use | No investing experience needed | Investing made simple. No complex steps required. | Requires investing experience and knowledge. Regular management |
Regulation | Regulated by financial authorities | Bondora Capital does not fall under any existing regulatory frameworks. Bondora AS is regulated by EFSA | Regulated by relevant financial authorities |
* Capital at risk. The yield of investment of Go & Grow is up to around 6% p.a. Before deciding to invest, please review our risk statement and consult with financial advisor if necessary. | Start investing | ||
* Capital at risk. The yield of investment of Go & Grow is up to around 6% p.a. Before deciding to invest, please review our risk statement and consult with financial advisor if necessary.
¹ Based on average household term deposit rates in the EU (ECB, Q1 2025)
² Average S&P 500 annual return over the long term, adjusted for inflation.
Join an ever-growing community of investors
Nearly 500,000 investors have already chosen Go & Grow to earn daily returns. And that number, along with their compound returns, keeps on growing.
Investments made
€1,854,111,497
€44,858,472
€403,266,386
investor graph
Get started in 3 simple steps
Built for stability.
Focused on your security.
With Go & Grow, your investment is automatically diversified across hundreds of thousands of loan fractions in Europe, using predictive credit models built on Bondora’s long experience and historical lending data since 2008. Liquidity buffers are in place to help you access your money when you want it, even during economic uncertainty.
We constantly improve our credit models and issue lower-risk loans while staying ahead of regulatory changes. Your peace of mind is our priority.
Over 490,000 investors have trusted us to build their wealth
“I left every other platform to invest in Bondora and I never regret it.”
Ewongo Abasi Gabriel on Trustpilot“It's easy to work and fast when you need to withdraw and deposit money”
Paulo Rocha Rocha on Trustpilot
See what our investors say
Visit TrustpilotYour questions, answered
- What is Go & Grow?
Go & Grow is your simplest way to invest with Bondora! It’s an online investing portfolio made up of diversified loan fractions. These loans are from verified Bondora customers in Estonia, Finland, the Netherlands, Spain and Latvia.
The high diversification of our portfolio means the loans are from different risk-ratings. The balanced split of these loan pieces is what makes Go & Grow a lower-risk investment option.
Because we believe investing should be simple, all of this diversification happens automatically, meaning you don’t have to select or change settings or monitor anything. Just add money to your account, and you’ll automatically invest in Go & Grow. And from the get-go, your money will work for you, and you can start earning daily returns.
- How much could I earn?
With Go & Grow, your entire investment earns up to around 6%* p.a.
- What are the fees?
You pay no fees to invest! There’s only a €1 withdrawal fee, no matter the amount you withdraw.
- Is Bondora safe?
Founded in 2008, Bondora has grown into an international company of about 200 employees. Today, we can proudly call ourselves one of Europe’s most established online investment companies.
For more than 16 years, our customers have invested with peace of mind thanks to our diverse investment portfolio. Higher diversification means lower risks. And since launching Go & Grow in 2018, our investors have been enjoying steady returns.All the information customers provide is kept private, confidential, and on secure servers. We have a host of safeguards that comply with legal requirements and help safeguard our customers‘ information and money, such as AML & KYC processes, consumer protection, data protection GDPR, Two-Factor Authentication, and online verification. We have internal teams who are constantly maintaining and improving our technology and information-safeguarding processes.
Bondora AS operates as a Licensed Credit Provider and is supervised by the Finnish Regional State Administrative Agency, as well as the Estonian Financial Supervision Authority (FSA). Our lending activities must comply with local legislation, good practice, and responsible lending principles.
- I'm a beginner, can I invest with Bondora?
Absolutely, yes! Simple investing is our thing. It’s easy, automated, and beginner everyone-friendly. You don’t need to buy or sell, track price trends, follow daily news, or know whether it’s a bear or a bull market.
Just invest, earn returns daily, and withdraw when you want to. We’ll take care of the rest.
- Where is Bondora based?
We’re based in Tallinn, Estonia. However, our online investing services are available across Europe.
- Is Bondora a P2P lending platform?
Although our roots were in peer-to-peer lending, we have since grown to be much more than that. We’ve fully embraced our mission to give our investors the easiest and simplest way to invest online. And as a European fintech company, we’re always looking for new and innovative ways to improve your experience with us.
- How does the refer-a-friend reward program work?
When your friends sign up using your unique Bondora referral link, they’ll get a €5 starting bonus. When they invest €50 or more in the first 30 days, you’ll get a €5 referral bonus. Terms & conditions apply.