{"id":16077,"date":"2021-03-31T06:00:00","date_gmt":"2021-03-31T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/bondster-erfahrungen-2023-warum-es-bessere-alternativen-gibt\/"},"modified":"2026-09-28T17:39:25","modified_gmt":"2026-09-28T15:39:25","slug":"bondster-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/bondster-review\/","title":{"rendered":"Bondster Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Bondster is a Czech P2P marketplace with around 30 international loan originators and an advertised average return of 13.6%, operational since May 2017.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Investors benefit from a broad loan offering with buyback guarantee, a functioning Auto Invest and a secondary market for early exits.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Several loan originators have failed to meet their buyback obligations and Bondster has so far been unable to enforce the interests of its investors.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is neither regulated nor transparent: no current financial reports, no insight into assets under management and barely any communication when problems arise.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#fdf5f5;border:1px solid #d64545;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I have never been invested in Bondster with my own funds. Based on the platform&#039;s current risk profile, I advise against investing. This article is therefore deliberately not promoted through affiliate links.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#What_is_Bondster\" title=\"What is Bondster?\">What is Bondster?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Shareholder_and_Management\" title=\"Shareholder and Management\">Shareholder and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Sign_Up\" title=\"Sign Up\">Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Investing_on_Bondster\" title=\"Investing on Bondster\">Investing on Bondster<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Bondster_Taxes\" title=\"Bondster Taxes\">Bondster Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Bondster_Risks\" title=\"Bondster Risks\">Bondster Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Advantages_and_Disadvantages\" title=\"Advantages and Disadvantages\">Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#Summary_Bondster_Review\" title=\"Summary Bondster Review\">Summary Bondster Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/bondster-review\/#FAQ_Bondster_Review\" title=\"FAQ Bondster Review\">FAQ Bondster Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Bondster\"><\/span><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Bondster?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-bondster\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12120 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Bondster-Bonus.jpg\" alt=\"bondster-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12120 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Bondster-Bonus.jpg\" alt=\"bondster-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Bondster is a Czech-based P2P platform, launched in May 2017, where investors can invest in a variety of international consumer loans, while earning an advertised return of up to 14%.<\/p>\r\n<p>The platform has already gained some market experiences in previous years. Given the funded loan volumes though, Bondster is still one of the smaller platforms in the current P2P environment.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Bondster at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Bondster at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>June 2014 \/ May 2017<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>BONDSTER Marketplace s.r.o. (<a href=\"https:\/\/or.justice.cz\/ias\/ui\/rejstrik-firma.vysledky?subjektId=869013&amp;typ=UPLNY\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Prague, Czech Republic<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/martin-stibor-5b808ba1\/\" target=\"_blank\" rel=\"noopener\"><strong>Martin Stibor<\/strong><\/a>\u00a0(M\u00e4rz 2026)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>Not Available<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>24,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 15%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>1.0 \/ 10 (Rank 30 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3>Business Model<\/h3>\r\n<p>Bondster earns money through different fees that are charged to the lenders on the marketplace. At the core, there are two pillars:<\/p>\r\n<ul>\r\n<li>A commission fee for funding the loans (up to a maximum of 3%).<\/li>\r\n<li>A fixed platform fee for administration and management.<\/li>\r\n<\/ul>\r\n<p>For investors, investing on Bondster is free of charge. However, if you want to invest in Czech crowns, you pay a 1% fee of the invested amount.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Bondster News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Bondster on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Shareholder_and_Management\"><\/span>Shareholder and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Bondster? Let&#8217;s have a look!<\/p>\r\n<h3>Bondster <span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Bondster? Bondster is 100% owned by the Czech company <a href=\"https:\/\/www.dnb.com\/business-directory\/company-profiles.cep_invest_private_equity_se.60515ad110b60ed3eed763840d24f67b.html\" target=\"_blank\" rel=\"noopener\"><strong>CEP Invest Private Equity<\/strong><\/a>. The ultimate beneficiary shareholder (UBO) of this company is the Czech investor and businessman V\u00e1clav Vale\u0161. The platform&#8217;s strategic partner is ACEMA Credit Czech, a.s.<\/p>\r\n<h3><strong>Bondster Management<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-31777 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis.png\" alt=\"\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-31777\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Bondster-Erfahrungen-CEO-Bondster-Review-Management-Bondster-Opiniones-2026-Bondster-Avis-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/p>\r\n<p>In March 2026, Czech national Martin Stibor was introduced as the new CEO of the P2P marketplace Bondster.<\/p>\r\n<p>He brings many years of experience in investment management and strategic financial planning. Before joining Bondster, he spent six years at CEP Invest, where he was responsible for evaluating both publicly listed and private investment opportunities, as well as coordinating investment processes.<\/p>\r\n<p>Martin Stibor succeeds Petr Polenda, who served as CEO of the P2P marketplace from August 2024 to February 2026.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>To invest on Bondster, investors must meet three requirements:<\/p>\r\n<ul>\r\n<li>A minimum age of 18 years<\/li>\r\n<li>A residence in the European Union or the European Economic Area<\/li>\r\n<li>A bank account in the European Union in their own name.<\/li>\r\n<\/ul>\r\n<p>Also legal entities with a company in the EU can register on Bondster.<\/p>\r\n<p>The registration process is fairly simple and intuitive. After opening an account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires must be completed. This is followed by the verification of the identity and the bank account.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Bondster\"><\/span><strong>Investing on Bondster<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does Bondster work and what should investors know and consider when investing on the plaform? In the following sections of my Bondster review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>Bondster is a P2P marketplace. This means a large number of international lenders are offering their loans for financing on Bondster. At the time of this Bondster review, there are almost 30 different lenders on the marketplace.<\/p>\r\n<p>The majority of the loans offered on Bondster are consumer loans. Occasionally, there is also the possibility to invest in business or real estate loans.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-16149 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P.png\" alt=\"Bondster-Review-2023-P2P\" width=\"1000\" height=\"394\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P-300x118.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P-768x303.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/394;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-16149\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P.png\" alt=\"Bondster-Review-2023-P2P\" width=\"1000\" height=\"394\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P-300x118.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-2023-P2P-768x303.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>There is no geographical focus among the borrower countries. In Europe, markets such as Bulgaria, the Czech Republic, Kazakhstan, Lithuania, Poland and Spain are represented. Outside Europe, there are also loans from Colombia, the Philippines, South Africa, Mexico or Russia.<\/p>\r\n<h3><strong>Costs and Fees<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19478 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees.png\" alt=\"bondster-review-fees\" width=\"500\" height=\"288\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees-300x173.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/288;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19478 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees.png\" alt=\"bondster-review-fees\" width=\"500\" height=\"288\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Gebuhren-Fees-300x173.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Bondster is very transparent with regard to the cost and fee structure.<\/p>\r\n<p>There are no costs for investors for registering on the P2P platform, managing the account or investing on the primary market.<\/p>\r\n<p>The only exception: While facilitating investments in Czech crowns, investors will incur currency exchange fees as well as a 1% fee for the amount of all investments made in CZK.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19480 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite.png\" alt=\"bondster-review-p2p-returns\" width=\"400\" height=\"106\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite-300x80.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/106;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19480 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite.png\" alt=\"bondster-review-p2p-returns\" width=\"400\" height=\"106\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Rendite-P2P-Kredite-300x80.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>On its website, Bondster advertises an interest rate of up to 17%, which is above average in the context of comparable P2P platforms. However, the average expected return is stated as 13.6%.<\/p>\r\n<p>Because I consider Bondster&#8217;s risk profile to be too high, I personally have not yet invested on Bondster. Therefore, I cannot comment on a realisticly expected return.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">Bondster Auto Invest<\/strong><\/p>\r\n<p>There are three ways for investors to invest on Bondster:<\/p>\r\n<ul>\r\n<li>Manual loan selection via the primary market<\/li>\r\n<li>Manual loan selection via the secondary market<\/li>\r\n<li>Automated investment strategy<\/li>\r\n<\/ul>\r\n<p>With the automated investment strategy, investors can choose between three predefined options: A diversified strategy, a conservative strategy and a high-yield strategy.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19482 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies.png\" alt=\"bondster-review-auto-invest-strategies\" width=\"1000\" height=\"220\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies-300x66.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies-768x169.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/220;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19482\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies.png\" alt=\"bondster-review-auto-invest-strategies\" width=\"1000\" height=\"220\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies-300x66.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/Bondster-Erfahrungen-Auto-Invest-Strategies-768x169.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The individual strategies differ in terms of the selection of individual lenders and the expected return. Those who want more control can also pursue a customised investment strategy and set their own criteria.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">Buyback Guarantee<\/strong><\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-16152 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee.png\" alt=\"Bondster-Review-Buyback-Guarantee\" width=\"400\" height=\"154\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee-300x116.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/154;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-16152 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee.png\" alt=\"Bondster-Review-Buyback-Guarantee\" width=\"400\" height=\"154\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Bondster-Review-Buyback-Guarantee-300x116.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>At Bondster, loans are offered both with and without a buyback guarantee.<\/p>\r\n<p>If a buyback guarantee is available, then the loans in delay are repurchased by the lender either after 30 or after 60 days. The outstanding interest is also to be refunded in the process.<\/p>\r\n<p>Unfortunately, there are a many lenders on Bondster who have failed to fulfil this obligation in the past (including Right Choice Finance). The platform has not managed to enforce the interests of its investors.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Bondster_Taxes\"><\/span><strong>Bondster Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In general, interest income generated by loan financing is considered capital income and must be declared as such in the tax return.<\/p>\r\n<p>Bondster does not withhold any taxes, as is the case in Latvia or Lithuania.<\/p>\r\n<p>For the tax declaration, investors can download a tax report for the respective year in the main menu. This information can then be submitted to the relevant tax office as part of a tax return.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Bondster_Risks\"><\/span><span style=\"color: #000000;\">Bondster Risks<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Bondster? Where are the underlying risks and how are they assessed?<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 29 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#E24B4A\">1.3<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--high\">High Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--r\" style=\"width:20%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h3>Financial Stability<\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Bondster already able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No financial statement is published for investors.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>So far, no financial results have been published for the Bondster platform. This lack of transparency is a key risk factor that investors should take into account when forming an overall assessment.<\/p>\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Covid-19 Pandemic \/ Corona Crisis<\/strong><\/span><\/h3>\r\n<p>Investor interest in Bondster dropped significantly after the outbreak of the Corona pandemic, similar to other P2P platforms. The loan volume, which stood at EUR 4 million at the end of 2019, fell to around EUR 500,000 in the second quarter of 2020.<\/p>\r\n<p>Polish lenders have been particularly problematic during this period, struggling with the introduction of new credit regulations (interest rate restrictions) even before Corona. The lack of liquidity and the introduction of interest moratoriums ensured that Bondster itself took over the loan portfolio of its former lenders from Poland and tried to collect the outstanding repayments through collection agencies.<\/p>\r\n<hr \/>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Intransparency<\/span><\/h3>\r\n<p>Bondster has some problems in terms of transparency. Here are some examples:<\/p>\r\n<ul>\r\n<li>No data for development of assets under management.<\/li>\r\n<li>No performance data of individual lenders.<\/li>\r\n<li>No news and updates regarding problematic lenders.<\/li>\r\n<li>No publicly available annual reports. Neither on the platform nor on its lenders.<\/li>\r\n<\/ul>\r\n<p>Transparency is a crucial aspect when making an educated investment decisions. The fact that Bondster does not meet these criteria is something investors should take into account.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span><strong>Advantages and Disadvantages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section I have listed the most important advantages and disadvantages of Bondster.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Interest Rates:<\/strong> Above-average interest rates<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Diversification:<\/strong> Variety of different international lenders<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Option to sell loans early via the secondary market<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\"> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> No legislation is regulating the business activities of Bondster<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> The P2P platform is extremely non-transparent on many levels<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Risk Management:<\/strong> Many lenders fail to meet their buyback obligations on time<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Ownership:<\/strong> Little is known about the Vale\u0161 family business, which exercises control over Bondster through CEP Invest<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Bondster_Review\"><\/span><strong>Summary Bondster Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Bondster has been on the market since 2017. Although a certain market experience can&#8217;t be denied, the platforms development in recent years seems to be stagnant.<\/p>\r\n<p>The platform&#8217;s poor risk management is something investors should be concerned about. Several lenders do not meet their obligations to repay according to schedule, with Bondster being unable to manage and represent the interests of its investors.<\/p>\r\n<p>In addition, transparency and communication are also happening at a very low level. As a consequence, investors do not receive any news or information regarding current developments.<\/p>\r\n<p>Considering the entire risk-reward profile, Bondster does not qualify at this point in time for an investment. Instead, investors should turn to <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener\"><strong>other alternatives<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h3><strong>Bondster Alternatives<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Already invested in Bondster? Or looking for similar platforms? Here are three Bondster alternatives from the P2P market.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Mintos:<\/strong> The largest P2P platform in Europe with assets under management of 800+ million euros. Like Bondster, Mintos follows a marketplace model with a wide range of international loan originators. The key difference: Mintos is regulated, notably larger and offers additional asset classes beyond loans, including ETFs and bonds. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos review<\/strong><\/a>.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Income Marketplace:<\/strong> An unregulated P2P marketplace headquartered in Estonia, which markets itself through innovative security features that are designed to protect investors from underperforming loan originators. Attractive combination of high interest rates and high liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace review<\/strong><\/a>.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>PeerBerry:<\/strong> A P2P marketplace incorporated in Croatia, working closely with partners from within the Aventus Group. Compared to Bondster, PeerBerry stands out through a notably stronger performance during times of crisis and a higher level of transparency regarding its loan originators. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry review<\/strong><\/a>.<\/p>\r\n<p>You can find other Bondster alternatives in the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans are subject to risks and can lead to a total loss of capital. Past performance is not an indicator of future results. All content is for informational purposes only and does not constitute investment advice. No liability is assumed for the accuracy of the following information, nor for any investment decisions that may be derived from it. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Bondster_Review\"><\/span>FAQ Bondster Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1678356153597\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Bondster?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondster is a P2P platform incorporated in the Czech Republic, operational since May 2017, where investors can invest in international consumer loans from around 30 loan originators. The advertised average return is 13.6%. The platform is not regulated.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1678356183559\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who owns Bondster?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondster is 100% owned by Czech company CEP Invest Private Equity. The ultimate beneficial owner is Czech investor V\u00e1clav Vale\u0161. The strategic partner of the platform is ACEMA Credit Czech. Very little public information is available about the ownership structure.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1678356190511\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Bondster?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondster advertises interest rates of up to 17%, while stating an average expected return of 13.6%. As I consider the risk profile too high, I have not personally invested in Bondster and cannot provide my own benchmark figure.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1678356209626\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 How transparent is Bondster?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Transparency is a significant issue. Bondster does not publish regular financial reports, provides no insight into assets under management, and only sporadically communicates about problems with loan originators. The most recent official figures come from an unaudited report for 2020.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775123535935\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is investing on Bondster worthwhile?<\/strong>\r\n<p class=\"schema-faq-answer\">In my view, no. Several loan originators have failed to meet their buyback obligations without Bondster being able to enforce investor interests. Combined with the lack of regulation and insufficient transparency, there are significantly better alternatives in the P2P space \u2014 such as Mintos, PeerBerry, or Income Marketplace.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":13890,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bondster Review 2026: Why You Will Find Better P2P Alternatives!<\/title>\n<meta name=\"description\" content=\"Bondster Review: Why You Will Find Better P2P Alternatives! 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The advertised average return is 13.6%. The platform is not regulated.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356183559","position":2,"url":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356183559","name":"\u2705 Who owns Bondster?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bondster is 100% owned by Czech company CEP Invest Private Equity. The ultimate beneficial owner is Czech investor V\u00e1clav Vale\u0161. The strategic partner of the platform is ACEMA Credit Czech. Very little public information is available about the ownership structure.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356190511","position":3,"url":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356190511","name":"\u2705 What returns can I expect from Bondster?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bondster advertises interest rates of up to 17%, while stating an average expected return of 13.6%. As I consider the risk profile too high, I have not personally invested in Bondster and cannot provide my own benchmark figure.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356209626","position":4,"url":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1678356209626","name":"\u2705 How transparent is Bondster?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Transparency is a significant issue. Bondster does not publish regular financial reports, provides no insight into assets under management, and only sporadically communicates about problems with loan originators. The most recent official figures come from an unaudited report for 2020.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1775123535935","position":5,"url":"https:\/\/rethink-p2p.de\/en\/bondster-review\/#faq-question-1775123535935","name":"\u2705 Is investing on Bondster worthwhile?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"In my view, no. Several loan originators have failed to meet their buyback obligations without Bondster being able to enforce investor interests. Combined with the lack of regulation and insufficient transparency, there are significantly better alternatives in the P2P space \u2014 such as Mintos, PeerBerry, or Income Marketplace.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/16077"}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=16077"}],"version-history":[{"count":81,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/16077\/revisions"}],"predecessor-version":[{"id":33228,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/16077\/revisions\/33228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/13890"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=16077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}