Bondora
Estonia · Consumer · Founded 2009
Our score
Average return
6.0%
target rate, not guaranteed
Our verdict
Bondora is the oldest platform here by six years and the only one that has been through a full credit cycle with the same management. Go & Grow, its flagship product, gives you near-instant liquidity at a capped rate — which is a genuinely useful thing to own and also the source of most criticism of the platform. The rate is a target, not a promise; the product is not a savings account no matter how much the interface resembles one; and the withdrawal queue that appeared during the 2022 stress period showed exactly how the cap behaves under pressure.
What works
- Sixteen years of continuous operation and published loan-book data going back to the beginning
- Go & Grow withdrawals normally clear in one to two working days
- Regulated in Estonia with an ECSPR licence
- €1 minimum and a genuinely simple product for beginners
What doesn't
- The capped Go & Grow rate is well below what comparable-risk platforms pay
- Go & Grow presents like a deposit product while carrying none of the protections — this is our main reservation
- A withdrawal queue was imposed during the 2022 stress period
- Underlying loan performance is harder to inspect than the marketing implies
Who this is for
Beginners who want liquidity and simplicity over yield, and experienced investors using it as the liquid sleeve of a larger allocation.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: goandgrow.eu · Sep 19, 2026 · Go & Grow targets up to 6% p.a.; 515,917 investors; €1 withdrawal fee
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.