{"id":19260,"date":"2020-05-28T06:00:00","date_gmt":"2020-05-28T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/bondora-go-and-grow-review-still-worth-investing-consider-this\/"},"modified":"2026-09-28T17:38:50","modified_gmt":"2026-09-28T15:38:50","slug":"bondora-go-and-grow-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/","title":{"rendered":"Bondora Go and Grow Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<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;\">Bondora Go &amp; Grow was launched in 2018 by the Estonian P2P platform Bondora and has since become one of the most popular investment products in the European P2P market.<\/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;\">Core features of Go &amp; Grow: Fixed return of 6% p.a., daily liquidity, and a simple hands-off experience with no manual loan selection.<\/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 Bondora Group has been continuously profitable since 2017 and ranks among the financially strongest companies in the entire P2P industry.<\/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;\">Go &amp; Grow operates without a product-specific regulatory licence and does not offer deposit protection.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ac7177563cce .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ac7177563cce .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ac7177563cce .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ac7177563cce .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ac7177563cce .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ac7177563cce{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ac7177563cce:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ac7177563cce .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ac7177563cce .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ac7177563cce\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo.png\" alt=\"Bondora\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/210;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo.png\" alt=\"Bondora\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:86%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4.3)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive a \u20ac5 sign-up bonus after registration. To keep the bonus, at least \u20ac50 must be deposited within 30 days. The bonus is locked for the first 30 days.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ac7177563cce\" href=\"https:\/\/bit.ly\/rethinkp2p-en-bondora\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/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:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am invested with my own funds at Bondora since June 2018. Since then, I achieved a total return (XIRR) of 6,32%. My outstanding portfolio on the platform stands at 26.622 \u20ac.<\/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<h2><span style=\"color: #000000;\"><strong>What is <\/strong><\/span>Bondora?<\/h2>\r\n<p data-pm-slice=\"1 1 []\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11292 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"Bondora-Review-Logo\" 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-11292 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"Bondora-Review-Logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Bondora is an Estonian P2P lending platform that was founded in March 2008. Given its long operating history, the company is one of the oldest, most experienced, and most crisis-tested P2P platforms in Europe.<\/p>\r\n<p>Over the years, Bondora has also established a dominant market position. <span style=\"font-size: 1.125rem;\">Measured by metrics such as assets under management and the number of registered investors, only <\/span><a style=\"font-size: 1.125rem;\" href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a><span style=\"font-size: 1.125rem;\"> has a larger market share<\/span><span style=\"font-size: 1.125rem;\">\u00a0within the European P2P lending industry.<\/span><\/p>\r\n<p>One of Bondora\u2019s greatest strengths is its financial stability. The company has remained consistently profitable since 2017, while its balance sheet metrics rank among the strongest in the entire industry. More details can be found later in my Bondora Go &amp; Grow review.<\/p>\r\n<p>A few words about the business model: Bondora\u2019s core business consists of financing unsecured consumer loans within the European Economic Area, with loan terms of up to 60 months. Its primary borrower markets are Estonia and Finland. Through its recent expansion efforts, the Netherlands, Denmark, and Latvia have also been added to the portfolio.<\/p>\r\n<p>Investors can gain exposure to Bondora\u2019s managed loan portfolio through the \u201cGo &amp; Grow\u201d product, which was introduced in 2018. In return, investors receive a 6% annual return and the ability to withdraw funds from their Bondora account on a daily basis.<\/p>\r\n<p>It should be noted that Bondora currently operates as an investment platform without a product-specific regulatory license. What this means in practice for investors, and which risk factors should be considered, will be discussed in more detail later in this review.<\/p>\r\n<h3><strong>Bondora On-Site Visit<\/strong><\/h3>\r\n<p>There have been two in-person meetings with the Bondora team in Tallinn. The first took place in October 2018, the second in May 2024.<\/p>\r\n<p>On both occasions, I had the opportunity to speak with Bondora founder and CEO P\u00e4rtel Tomberg. The 2024 conversation was particularly substantive, covering topics such as the lack of transparency around Go &amp; Grow, the performance of the loan portfolio and the company&#8217;s plans to obtain a banking licence.\u00a0The full interview can be viewed <a href=\"https:\/\/youtu.be\/4f_goq4uedk\" target=\"_blank\" rel=\"noopener\"><strong>here<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>What is <\/strong><\/span>Bondora Go &amp; Grow?<\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo-Bonus.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-35293 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo-Bonus.jpg\" alt=\"\" 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-35293 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Bondora Go &amp; Grow is an investment product that is offered by the previously introduced P2P lending platform Bondora. The first investors were able to test Go &amp; Grow as early as April 2018, while the product was officially launched and made available to all investors in June 2018.<\/p>\r\n<p>The key features of Bondora Go &amp; Grow include a predefined target return of 6% per year, daily interest accrual, ease of use, high liquidity (daily withdrawals under normal market conditions), and broad diversification across more than 100,000 borrowers.<\/p>\r\n<p>Due to its structure, Bondora Go &amp; Grow is particularly suitable for two types of investors:<\/p>\r\n<ul>\r\n<li>New and less experienced investors who are looking for a simple investment product<\/li>\r\n<li>Investors with a strong focus on liquidity and quick availability of their funds<\/li>\r\n<\/ul>\r\n<p>With the launch of Go &amp; Grow, Bondora set new standards in the industry, particularly in terms of simplicity and liquidity. It is no coincidence that many platforms have since attempted to launch similar products, often without success. Examples include Mintos Invest &amp; Access and Crowdestor Flex. Among the strongest current alternatives to Go &amp; Grow are <a href=\"https:\/\/rethink-p2p.de\/en\/monefit-smartsaver-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Monefit SmartSaver<\/strong><\/a> and <a href=\"https:\/\/rethink-p2p.de\/en\/twino-flexi-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO FLEXI<\/strong><\/a>.<\/p>\r\n<p>One point that deserves criticism is that Bondora Go &amp; Grow does not publish performance-related metrics regarding the quality of the underlying loan portfolio. Further discussion of this issue follows in the risk section.<\/p>\r\n<div class=\"su-note\"  style=\"border-color:#002042;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#1a3a5c;border-color:#e6ffff;color:#ffffff;\">Update April 2026: Go &amp; Grow has been operating as an independent legal entity under the name &#8220;Go&amp;Grow O\u00dc&#8221; since 20 April 2026. The product, returns, and liquidity model remain unchanged. More informaton and personal assessment: <a href=\"https:\/\/rethink-p2p.de\/en\/go-and-grow-independent-bondora-spinoff\/\" target=\"_blank\" rel=\"noopener\">Go &amp; Grow Goes Independent: Why Is Bondora Spinning It Off?<\/a><\/div><\/div>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Bondora Go &amp; Grow 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 Bondora Go &amp; Grow 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>Operational Launch:<\/strong><\/td>\r\n<td>2008 (Bondora) \/ April 2018 (Go &amp; Grow)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Go&amp;Grow O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/12831506\/Bondora-Capital-O%C3%9C\" 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>Tallinn, Estonia<\/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\/parteltomberg\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P\u00e4rtel Tomberg<\/strong><\/a> (December 2007)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 786+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>514,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 6%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>5.5 \/ 10 (Rank 19 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>No<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3 data-pm-slice=\"1 1 []\">Bondora Go and Grow 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 Bondora Go &amp; Grow 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<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">14. August 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/bondora-launches-go-grow-pocket-with-insurance-coverage\/\" onclick=\"event.stopPropagation()\">Bondora launches Go &#038; Grow Pocket with insurance coverage<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Bondora has introduced a new product called Go &amp; Grow Pocket. It works as a separate product alongside the regular Go &amp; Grow account, offering an expected return of 4.89% per year. The key selling point of Go &amp; Grow Pocket is an insurance coverage of up to \u20ac25,000 through Balcia Insurance SE. This is an insurance policy, not statutory deposit protection.<\/p>\n<p>For context: The coverage only applies in the event of a defined insured event and is subject to the terms, coverage limits, and exclusions of the policy. However, these insurance terms have not yet been published, as they are still being finalized with Balcia.<\/p>\n<\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">08. July 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/bondora-group-eur-9-5m-record-profit\/\" onclick=\"event.stopPropagation()\">Bondora Group: EUR 9.5M Record Profit; Unquantified One-Off Effect!<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Bondora has published its long-awaited 2025 Annual Report, once again audited by KPMG and prepared in accordance with IFRS standards. The figures are highly impressive. Revenue increased by 19% to EUR 62.7 million, the loan portfolio grew by 16% to EUR 697 million, and net profit almost eightfold to a record EUR 9.5 million. The balance sheet remains equally strong. The equity ratio (74.7%), debt ratio (0.34), and liquidity ratio (3.18) are all within strong and healthy levels.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\"><img class=\"alignnone size-full wp-image-36390 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\" alt=\"\" width=\"1000\" height=\"462\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/462;\" \/><noscript><img class=\"alignnone size-full wp-image-36390\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\" alt=\"\" width=\"1000\" height=\"462\" \/><\/noscript><\/a><\/p>\n<p>The exceptional increase in profit \u2013 and consequently some of the financial ratios \u2013 have been supported by a one-off transaction with Bondora selling a portfolio of non-performing Finnish loans to an institutional investor. While a part of the purchase price will only be received over the next three years (recorded as a EUR 2.65 million long-term receivable on the balance sheet), Bondora appears to have already credited investors with the full amount of the sale proceeds.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\"><img class=\"alignnone size-full wp-image-36394 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\" alt=\"\" width=\"1000\" height=\"381\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/381;\" \/><noscript><img class=\"alignnone size-full wp-image-36394\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\" alt=\"\" width=\"1000\" height=\"381\" \/><\/noscript><\/a><\/p>\n<p>The annual report does not disclose how much this one-off transaction contributed to the group's total profit. This should not diminish Bondora's achievement, but without knowing the exact size of the one-off effect, it is impossible to determine the company's underlying recurring earnings with precision.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/help.goandgrow.eu\/hc\/en-us\/article_attachments\/37019886405394\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\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 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Shareholders and Management<\/strong><\/h2>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Since June 2026, Go &amp; Grow has been owned by Go&amp;Grow Holding AS, in which Bondora founder P\u00e4rtel Tomberg is the largest single shareholder with around 29% through his company Tomberg Management &amp; Consulting.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Further stakes are held by the German venture capital investor Global Founders and a Swiss nominee account, among others. How ownership and leadership are structured following the spin-off from Bondora Group is something I examine in the next sections of my Bondora Go &amp; Grow review.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Shareholders<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Go&amp;Grow O\u00dc, which operates the product, has been wholly owned by Go&amp;Grow Holding AS since 30 June 2026. The holding company itself was entered into the register on 2 June 2026. Before that, Go&amp;Grow O\u00dc belonged to Bondora Group AS. The legal separation from the Bondora group was therefore only completed at the end of June, even though the change was announced back in April.<\/p>\r\n<p dir=\"ltr\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-37986 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder.png\" alt=\"\" width=\"1200\" height=\"231\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-300x58.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-1024x197.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-768x148.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/231;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-37986\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder.png\" alt=\"\" width=\"1200\" height=\"231\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-300x58.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-1024x197.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Bondora-Go-Grow-Erfahrungen-Gesellschafter-Bondora-Go-and-Grow-Review-Shareholder-768x148.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Around one third of the shares are held by shareholders below the 10 percent threshold and are not listed individually in the register. The second largest position, at 13.87%, is held through a nominee account of Switzerland&#8217;s SIX SIS AG, the Swiss central securities depository. Who ultimately owns these shares is not evident from the Estonian register. As of the time of review (August 2026), the beneficial ownership details for the holding company had not yet been filed.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Management<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Since 2 June 2026, the management board of Go&amp;Grow Holding AS has consisted of P\u00e4rtel Tomberg, Triin Sarapuu and Krzysztof Sebastian Schmidt.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-15004 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\" alt=\"bondora-erfahrungen-ceo\" width=\"250\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-150x150.png 150w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/250;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-15004\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\" alt=\"bondora-erfahrungen-ceo\" width=\"250\" height=\"250\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-150x150.png 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a>P\u00e4rtel Tomberg is the founder and the face of Bondora. Born in Estonia and raised in Tallinn with three siblings, Tomberg moved to the United Kingdom at the age of 17 to study. Three years later he graduated from Oxford Brookes University with a degree in International Business Management.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">It was during this period that the idea of building a lending marketplace based in Estonia took shape. After several entrepreneurial ventures at a young age, he founded the P2P platform known today as Bondora in 2008, and remains its CEO to this day.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">The spin-off of Go &amp; Grow has strengthened his position further. Through his company Tomberg Management &amp; Consulting O\u00dc he holds around 29% of Go&amp;Grow Holding AS, making him the largest single shareholder. At the same time, he sits on the management board. Ownership and leadership therefore rest in the same hands, giving him a strong position within the company.<\/p>\r\n<hr \/>\r\n<h2>Registration and Bonus<\/h2>\r\n<p>To invest in Bondora Go &amp; Grow, investors must meet two requirements: They must be at least 18 years old and reside in the European Union, Norway, or Switzerland. The registration process is designed to be intuitive and can usually be completed within just a few minutes.<\/p>\r\n<ul>\r\n<li>Click on \u201cRegister\u201d and enter your email address, name, and mobile phone number<\/li>\r\n<li>Verify your email address via the confirmation email and log in to the platform<\/li>\r\n<li>Enter your personal details (name, address, and phone number)<\/li>\r\n<li>Complete the AML questionnaire regarding your employment status and source of funds<\/li>\r\n<li>Complete the final identity verification process.<\/li>\r\n<\/ul>\r\n<p>Once the verification has been approved, investors can deposit funds and start investing in Bondora Go &amp; Grow immediately.<\/p>\r\n<h3>Bondora Go &amp; Grow Bonus<\/h3>\r\n\r\n<p>Investors looking for a comprehensive overview of all available sign-up bonuses and cashback promotions across different platforms can find them on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2>Bondora Go &amp; Grow \u2013 How It Works<\/h2>\r\n<p>To understand how investing on Bondora Go &amp; Grow works is fairly easy and simple. The following steps outline the key process.<\/p>\r\n<h3><strong>Goals<\/strong><\/h3>\r\n<p>Through the \u201cGoals\u201d section, investors can define their investment objectives. Users can set a name, a target amount, and optionally a target date to track progress. Funds can then be allocated to individual goals accordingly.<\/p>\r\n<h3><strong>Return<\/strong><\/h3>\r\n<p>After the launch of Bondora Go &amp; Grow, investors were able to achieve a targeted annual return of 6.75%. In April 2025, the target return was adjusted to 6% p.a. Throughout its entire history, the advertised return has been achieved for all investors.<\/p>\r\n<h3>Go &amp; Grow Pocket<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">In August 2026, Bondora introduced Go &amp; Grow Pocket as a second investment product. It works as a separate pot alongside the regular Go &amp; Grow account, with an expected return of 4.89% p.a. instead of 6%. The return discount of more than one percentage point is the price for the central marketing promise, namely insurance coverage of up to 25,000 euros through the Latvian insurer Balcia Insurance SE.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">An important clarification: this is an insurance policy, not a statutory deposit guarantee. The cover only applies in the event of a defined insured event and is subject to the coverage limits and exclusions of the policy. The policy terms, however, have not yet been published.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">This means the core of the product promise cannot currently be verified. In particular, it remains unclear which events are actually covered. With Pocket, investors are therefore trading a certain reduction in returns for protection whose scope is not yet known.<\/p>\r\n<h3 data-pm-slice=\"1 3 []\">Go &amp; Grow Deposit Limit<\/h3>\r\n<p>In September 2020, Bondora introduced a monthly deposit limit for its Go &amp; Grow product. This measure was implemented in response to significant volatility in deposits and withdrawals following the outbreak of the COVID-19 pandemic.<\/p>\r\n<p>The introduction of the deposit cap meant that investors needed considerably more time to build a larger position in the product. As a result, this artificial scarcity led to a higher perceived value of the product among investors. At the same time, it provided Bondora with a more stable planning horizon for balancing loan supply and investor demand.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23275 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit.png\" alt=\"Bondora-Go-and-Grow-Review-2024-Limit-Deposit\" width=\"1000\" height=\"429\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit-300x129.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit-768x329.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\/429;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23275\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit.png\" alt=\"Bondora-Go-and-Grow-Review-2024-Limit-Deposit\" width=\"1000\" height=\"429\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit-300x129.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Bondora-Go-and-Grow-Review-2024-Limit-Deposit-768x329.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The monthly deposit limit was EUR 1,000 until September 8, 2024. This limit represented the sixth adjustment since its original introduction. On September 9, 2024, Bondora announced a <a href=\"https:\/\/bondora.com\/en\/blog\/new-break-the-limits-reach-your-2024-goals\/\" target=\"_blank\" rel=\"noopener\"><strong>temporary removal<\/strong><\/a> of the deposit limit. Since then, the deposit limit has remained lifted to this day.<\/p>\r\n<h3>Loan Portfolio<\/h3>\r\n<p>With Go and Grow, investors invest in the loan portfolio of the Bondora Group, which is active across Europe with various lenders. This includes countries such as Estonia, Finland, the Netherlands, Denmark, and Latvia. As an investor, you can think of it like an investment fund with more than 100,000 loans.<\/p>\r\n<p>There are no publicly available statistics regarding the assets managed by Bondora Go &amp; Grow or the exact performance of the loan portfolio. For this reason, Go &amp; Grow has a sort of &#8220;<a href=\"https:\/\/youtu.be\/I5p2ShLdLNU\" target=\"_blank\" rel=\"noopener\"><strong>black box<\/strong><\/a>&#8221; nature, making a precise risk assessment difficult.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26994 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025.png\" alt=\"\" width=\"1600\" height=\"1156\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025.png 1600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-300x217.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-1024x740.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-768x555.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-1536x1110.png 1536w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-90x65.png 90w\" data-sizes=\"(max-width: 1600px) 100vw, 1600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1600px; --smush-placeholder-aspect-ratio: 1600\/1156;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26994\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025.png\" alt=\"\" width=\"1600\" height=\"1156\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025.png 1600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-300x217.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-1024x740.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-768x555.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-1536x1110.png 1536w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Go-and-Grow-Erfahrungen-Kredite-Bondora-Go-and-Grow-Review-Loan-Portfolio-Bondora-Go-and-Grow-Opiniones-Avis-2025-90x65.png 90w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/noscript><\/a><\/p>\r\n<p>The only information regarding the quality of the loan portfolio is provided to investors in the form of breakdowns by borrower country and risk rating. These results are published intermittently on the blog. Looking at the percentage distribution of risk ratings, it appears that Bondora has followed a rather conservative approach to lending over the years.<\/p>\r\n<h3><strong>Withdrawals<\/strong><\/h3>\r\n<p>Generally, withdrawals from Bondora Go and Grow can be made instantly and in full amount. Hence, there are no withdrawal restrictions.<\/p>\r\n<p>However, the liduidity is dependent on certain market situations. During the peak of the COVID-19 crisis, Bondora had to temporarily introduce partial payouts between March 2020 and June 2020 due to the high volume of withdrawal requests. If money is withdrawn from Bondora Go and Grow, the Estonian P2P platform charges a flat withdrawal fee of EUR 1.<\/p>\r\n<h3>Fees<\/h3>\r\n<p data-pm-slice=\"1 1 []\">Currently, there are no costs or hidden fees for managing the Go &amp; Grow investment on Bondora. Only a fee of EUR 1 per withdrawal is charged.<\/p>\r\n<hr \/>\r\n<h2><strong>Bondora Go &amp; Grow Taxes<\/strong><\/h2>\r\n<p>How is the income from Bondora Go &amp; Grow taxed? There are different opinions and experiences among P2P investors on this popular and frequently asked question.<\/p>\r\n<p>In general, income generated through P2P loans must be taxed as interest income. With Bondora Go &amp; Grow, the situation is somewhat different. The platform itself writes:<\/p>\r\n<blockquote>\r\n<p>You only pay tax on the money you withdraw which is over the total amount you have paid in. For example, if you invest \u20ac1,000 then anything you withdraw up to \u20ac1,000 is considered as a principal withdrawal, anything above \u20ac1,000 is considered as interest.<\/p>\r\n<\/blockquote>\r\n<p>In plain terms: If you do not withdraw more money than you originally invested, you have not realized any profits and therefore do not need to pay taxes. This is also referred to as alternative taxation.<\/p>\r\n<p>According to the platform&#8217;s evaluation, Bondora Go &amp; Grow is considered a tax-optimized investment product, allowing compound interest to work effectively. Whether the tax-optimized model applies should be discussed with a tax advisor or directly with the tax office in each individual case.<\/p>\r\n<h3>Go &amp; Grow Tax Report<\/h3>\r\n<p>Investors can download a tax report under the &#8220;Go &amp; Grow Tax Report&#8221; section in the settings.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18298 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern.jpg\" alt=\"Bondora-Go-and-Grow-Review-Taxes\" width=\"800\" height=\"294\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern-300x110.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern-768x282.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/294;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18298\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern.jpg\" alt=\"Bondora-Go-and-Grow-Review-Taxes\" width=\"800\" height=\"294\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern-300x110.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Steuern-768x282.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<hr \/>\r\n<h2>Bondora Go &amp; Grow Risk<\/h2>\r\n<p>Anyone looking to invest in Bondora Go &amp; Grow must be aware of the risks associated with the investment product. But what are these risks? And how can they be assessed? More details are provided in the following sections.<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>Since April 2026, Go &amp; Grow has been operated by the independent company &#8220;Go&amp;Grow O\u00dc&#8221;, following its <a href=\"https:\/\/rethink-p2p.de\/en\/go-and-grow-independent-bondora-spinoff\/\"><strong>spin-off from the Bondora Group<\/strong><\/a>. For investors, nothing changes operationally for the time being.<\/p>\r\n<p>In its domestic market Estonia, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards.<\/p>\r\n<p>As a product without its own regulatory licence, trust in the underlying corporate group is a key risk factor. What speaks in favour of Go &amp; Grow is its long-standing association with the Bondora Group, the group&#8217;s consistently profitable business development and its KPMG-audited financial reports.<\/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 19 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">5.5<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium 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 class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">20 \/ 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--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 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 class=\"ss-bar--r\" style=\"width:12%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 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--g\" style=\"width:68%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">17 \/ 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<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>All funds deposited into Go &amp; Grow are automatically invested in loans. A wallet function with unallocated balances no longer exists. All investor funds are held in segregated client accounts with AS LHV Pank, a subsidiary of Estonia&#8217;s largest domestic financial institution. Funds are therefore kept separate from the platform&#8217;s own operating funds. Individual IBANs for investors are not provided. Incoming payments are matched using reference numbers and verified bank accounts.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<p>Since the launch of Go &amp; Grow Pocket, Bondora has additionally been advertising insurance cover of up to 25,000 euros. However, this applies exclusively to the Pocket product, not to the regular Go &amp; Grow account. An insurance policy also differs fundamentally from a statutory deposit guarantee: it is a private contract with defined coverage limits, exclusions and a narrowly defined insured event, whereas a deposit guarantee is a statutory entitlement. As long as the terms remain unpublished, the extent of the protection cannot be assessed.<\/p>\r\n<h4>Bondora in Crisis Situations<\/h4>\r\n<p>In the past, Bondora has had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.<\/p>\r\n<p><strong>COVID-19 Pandemic:<\/strong> Bondora responded early to the outbreak of the pandemic by significantly reducing new loan issuance. In Spain and Finland, lending activities were even suspended entirely for several months. This conservative approach proved financially beneficial: In 2020, Bondora reported a net profit of EUR 3.4 million, making it the strongest financial year in the platform\u2019s history at that time.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21643 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\" alt=\"Bondora-Review-War-Ukraine-Russia\" width=\"400\" height=\"234\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png 749w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland-300x176.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\/234;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21643\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\" alt=\"Bondora-Review-War-Ukraine-Russia\" width=\"400\" height=\"234\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png 749w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland-300x176.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>From an operational perspective, Bondora Go &amp; Grow experienced liquidity constraints for almost three months. Due to insufficient cash reserves, partial withdrawals were temporarily introduced. As a consequence, Bondora later implemented a monthly deposit limit for Go &amp; Grow in order to better balance supply and demand.<\/p>\r\n<p><strong>War in Ukraine:<\/strong> Since Bondora\u2019s lending markets are located outside the affected war zone, the conflict had no direct impact on the platform. According to Bondora, there were no operational disruptions related to the war in Ukraine at any point.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Bondora already able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/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\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/help.goandgrow.eu\/hc\/en-us\/article_attachments\/37019886405394\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tBondora Group AS \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/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-green\"><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 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: KPMG Baltics<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Established and independent audit firm (Top 10 worldwide).<\/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-green\"><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=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: IFRS<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Internationally recognised standard. Transparent and comparable.<\/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>The following figures are based on the Bondora Group annual report for 2025. The report was prepared by KPMG Baltics and audited in accordance with IFRS standards. The figures therefore carry a certain degree of credibility.<\/p>\r\n<h4>Profitability<\/h4>\r\n<p>Bondora increased its revenue by 19% to EUR 62.7 million during the 2025 financial year. At the same time, its loan portfolio grew by 16% to EUR 697 million, while net profit almost eightfold to a record EUR 9.5 million.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36390 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\" alt=\"Bondora-Review-Profitability\" width=\"1000\" height=\"462\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026-768x355.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\/462;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36390\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png\" alt=\"Bondora-Review-Profitability\" width=\"1000\" height=\"462\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-2026-768x355.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>As a result, Bondora Group AS, the parent company behind the Bondora platform, has now remained profitable since 2017.<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p>The balance sheet remains equally strong. The equity ratio (74.7%), debt ratio (0.34), and liquidity ratio (3.18) are all within strong and healthy levels.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36394 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\" alt=\"Bondora-Review-Balance-Sheet\" width=\"1000\" height=\"381\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026-768x293.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\/381;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36394\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png\" alt=\"Bondora-Review-Balance-Sheet\" width=\"1000\" height=\"381\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Bondora-Erfahrungen-Bilanzkennzahlen-Bondora-Review-Balance-Sheet-2026-768x293.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><br \/>\u00a0<br \/>The exceptional increase in profit \u2013 and consequently some of the financial ratios \u2013 have been supported by a one-off transaction with Bondora selling a portfolio of non-performing Finnish loans to an institutional investor. While a part of the purchase price will only be received over the next three years (recorded as a EUR 2.65 million long-term receivable on the balance sheet), Bondora appears to have already credited investors with the full amount of the sale proceeds.<br \/>\u00a0<br \/>The annual report does not disclose how much this one-off transaction contributed to the group&#8217;s total profit. Without knowing the exact size of the one-off effect, it is impossible to determine the company&#8217;s underlying recurring earnings with precision.<\/p>\r\n<hr \/>\r\n<h3>Return Risk<\/h3>\r\n<p class=\"\" data-start=\"0\" data-end=\"256\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Rendite-Risiko.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18296 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Rendite-Risiko.png\" alt=\"Bondora-Go-and-Grow-Review-Return-Risk\" width=\"250\" height=\"161\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/161;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-18296 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Bondora-Go-and-Grow-Erfahrungen-Rendite-Risiko.png\" alt=\"Bondora-Go-and-Grow-Review-Return-Risk\" width=\"250\" height=\"161\" \/><\/noscript><\/a>Bondora promotes Go &amp; Grow with a return of 6%. In order for this return to be sustainably paid out to investors, it must be generated by the loan portfolio. Otherwise, the system behind Go &amp; Grow will eventually collapse. How should this risk be assessed?<\/p>\r\n<p class=\"\" data-start=\"258\" data-end=\"573\">For a long time, the <a href=\"https:\/\/app.bondora.com\/de\/public-statistics\" target=\"_blank\" rel=\"noopener\"><strong>Bondora statistics<\/strong><\/a>, which cover all loans since 2008, showed a negative trend in the overall performance of the loan portfolio. By early 2025, the performance of the Bondora loan portfolio was below the initial return of 6.75%, which had been offered to Go &amp; Grow investors from the start.<\/p>\r\n<p class=\"\" data-start=\"575\" data-end=\"799\">A petition I started, which advocated for transparent reporting of the Go &amp; Grow loan portfolio, was rejected by Bondora. As a result, important questions regarding the transparency and return of Go &amp; Grow remain unanswered.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15013 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\" alt=\"Bondora-Review-Transparency\" width=\"900\" height=\"588\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-300x196.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-768x502.png 768w\" data-sizes=\"(max-width: 900px) 100vw, 900px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 900px; --smush-placeholder-aspect-ratio: 900\/588;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15013\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\" alt=\"Bondora-Review-Transparency\" width=\"900\" height=\"588\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-300x196.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-768x502.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/noscript><\/a><\/p>\r\n<article class=\"text-token-text-primary w-full\" dir=\"auto\" data-testid=\"conversation-turn-36\" data-scroll-anchor=\"true\">\r\n<div class=\"text-base my-auto mx-auto py-5 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[70rem]:[--thread-content-margin:--spacing(12)] px-(--thread-content-margin)\">\r\n<div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto flex max-w-(--thread-content-max-width) flex-1 text-base gap-4 md:gap-5 lg:gap-6 group\/turn-messages focus-visible:outline-hidden\" tabindex=\"-1\">\r\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\r\n<div class=\"relative flex-col gap-1 md:gap-3\">\r\n<div class=\"flex max-w-full flex-col grow\">\r\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"39253c19-490c-4839-942f-f35f33ac9980\" data-message-model-slug=\"gpt-4o-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose dark:prose-invert w-full break-words light\">\r\n<p class=\"\" data-start=\"801\" data-end=\"1108\">In the past, Bondora has repeatedly stated that the return on Bondora Go &amp; Grow is not guaranteed. Instead, it can be changed at any time and adjusted to prevailing market conditions. The only adjustment to date took place on April 1, 2025, when the return was reduced from 6.75% to 6%.<\/p>\r\n<hr \/><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<h3>Liquidity Risk<\/h3>\r\n<p>Liquidity risk should also be taken into account, as Bondora heavily markets Go &amp; Grow based on the daily availability of invested funds. However, this promise has not always been fully upheld in the past.<\/p>\r\n<p>At the beginning of the COVID-19 pandemic, demand for withdrawals increased so significantly that the platform had to introduce temporary partial payouts between March 2020 and June 2020. The reserves of the Go &amp; Grow loan portfolio were therefore not sufficient to maintain the promise of daily liquidity at all times. Investors should thus be aware of the risk that daily liquidity can only be guaranteed under certain market conditions.<\/p>\r\n<hr \/>\r\n<h3><strong>Loan Default Risk<\/strong><\/h3>\r\n<p>Loan defaults are part of the daily business of any P2P lending platform. Since Bondora Go &amp; Grow investors have no protection or guarantees for the advertised return, it\u2019s worth taking a closer look at the debt collection and recovery process, which at Bondora consists of four phases:<\/p>\r\n<ul>\r\n<li><strong>Step 1: Internal Debt Collection.<\/strong> Internal debt collection begins even before the official payment default, which helps to prevent immediate defaults in up to 97% of cases.<\/li>\r\n<li><strong>Step 2: Debt Collection Agency.<\/strong> If the loan has been overdue for 90 days, the contract is terminated and handed over to a debt collection agency.<\/li>\r\n<li><strong>Step 3: Court Proceedings.<\/strong> As a last resort, the case is taken to court. The timeline varies by country, but on average, a court decision is reached within two to six months.<\/li>\r\n<li><strong>Step 4: Bailiff Enforcement.<\/strong> Once a court ruling has been issued, the case is passed on to a local bailiff. Bondora receives regular updates to monitor the progress.<\/li>\r\n<\/ul>\r\n<p>According to Bondora, about 31% to 54% of the defaulted principal is recovered within three years, depending on the country. On average, the amount recovered from a defaulted EUR 1,000 loan is between EUR 667 and EUR 689.<\/p>\r\n<p>In July 2025, Bondora published a breakdown of the currently defaulted loans and the phase they are in. In established markets like Estonia and Finland, 54% and 66% of loans, respectively, are already at the bailiff stage, meaning the final phase of the collection process. In the Netherlands, a newer market, 75% of loans are still with the collection agency.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28278 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\" alt=\"Bondora-Review-P2P-Debt-Collection\" width=\"1000\" height=\"239\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-300x72.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-768x184.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\/239;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28278\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\" alt=\"Bondora-Review-P2P-Debt-Collection\" width=\"1000\" height=\"239\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-300x72.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-768x184.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Recovery prospects are considered particularly low in Estonia, where 23% of defaulted loans are classified as unlikely to be recovered. In contrast, the outlook is significantly more optimistic in Latvia, where only 3% of loans are considered unlikely to be recovered.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed what I consider to be the most important advantages and disadvantages of Bondora Go &amp; Grow.<\/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>Fixed Interest Rate:<\/strong> The advertised return has always been maintained to date<\/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>Daily Credit:<\/strong> Interest is added to the account on a daily basis<\/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>High Liquidity:<\/strong> Daily availability of invested funds<\/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>Simplicity:<\/strong> The investment can be managed with just a few clicks<\/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>Reputation:<\/strong> Bondora is one of the largest and most popular P2P platforms in Europe<\/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>Financial Stability:<\/strong> Bondora has been profitable for years and has strong financials<\/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>Tax Optimisation:<\/strong> Possibility of tax optimisation (alternative taxation)<\/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>Deposit Protection:<\/strong> The Bondora investment is not protected by any deposit insurance<\/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>Returns:<\/strong> The return expectation is not competitive for P2P standards<\/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>Black Box:<\/strong> No performance metrics for Go &amp; Grow are published<\/span>\n    <\/div> <\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>Summary Bondora Go and Grow Review<\/strong><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21504 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\" alt=\"Bondora-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"500\" height=\"500\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-70x70.png 70w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/500;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21504\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\" alt=\"Bondora-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"500\" height=\"500\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-70x70.png 70w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the final conclusion of this Bondora Go &amp; Grow review? Is the Estonian investment product worth a try?<\/p>\r\n<p data-start=\"39\" data-end=\"197\">Launching in 2018, Bondora Go &amp; Grow has set new standards in terms of fixed returns, ease of use, high liquidity, and broad diversification.<\/p>\r\n<p data-start=\"199\" data-end=\"570\">In particular, the combination of simplicity and high liquidity makes Go &amp; Grow a good option for two types of investors:<br data-start=\"320\" data-end=\"323\" \/>first, for new and more inexperienced investors who want to start investing in P2P loans quickly and easily; and second, for investors with a strong need for liquidity who want to invest their money short-term at an attractive interest rate.<\/p>\r\n<p data-start=\"572\" data-end=\"835\">With the exception of a three-month period following the outbreak of the Covid-19 pandemic, the platform has consistently maintained daily liquidity since 2018. Despite this strong track record, it is clear that liquidity can be limited in exceptional situations.<\/p>\r\n<p data-start=\"837\" data-end=\"1176\">Apart from liquidity, investors should also pay close attention to the underlying risks related to transparency and returns, which are discussed in detail in these Go &amp; Grow review. Those with a long-term investment horizon will find stronger alternatives within the P2P lending space in terms of expected returns and risk mitigation.<\/p>\r\n<p data-start=\"1178\" data-end=\"1363\">Personally, I used Bondora Go &amp; Grow as an active investor between June 2018 and August 2023, and again starting in January 2025. During this time, I earned more than EUR 7,000 in interest. Do you also want to try Bondora Go &amp; Grow? Then register now by using the link below.<\/p>\r\n\r\n<hr \/>\r\n<h3 data-pm-slice=\"1 1 []\"><strong>Bondora Go and Grow Alternatives<\/strong><\/h3>\r\n<p data-start=\"14\" data-end=\"296\">Are you already invested in Bondora Go &amp; Grow and looking for similar alternatives with high liquidity? In the current market environment, the closest Go &amp; Grow alternatives are <a href=\"https:\/\/rethink-p2p.de\/en\/monefit-smartsaver-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Monefit SmartSaver<\/strong><\/a>, <a href=\"https:\/\/rethink-p2p.de\/en\/twino-flexi-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO FLEXI<\/strong><\/a>, and <a href=\"https:\/\/bit.ly\/rethinkp2p-en-modena\" target=\"_blank\" rel=\"noopener\"><strong>Modena<\/strong><\/a>. The following table is intended to illustrate the similarities and differences between these products.<\/p>\r\n<p><style>\r\n.rethink-table-wrap-gg-en { width: 100%; overflow-x: auto; margin: -20px 0; }\r\n.rethink-table-wrap-gg-en table { width: 100%; border-collapse: collapse; background: #ffffff; border-radius: 12px; overflow: hidden; box-shadow: 0 2px 16px rgba(0,0,0,0.07); font-family: 'DM Sans', sans-serif; }\r\n.rethink-table-wrap-gg-en thead tr { background: #0a0a0a; }\r\n.rethink-table-wrap-gg-en thead th { padding: 12px 20px; text-align: left; font-size: 13px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: #ffffff; white-space: nowrap; }\r\n.rethink-table-wrap-gg-en thead th.rethink-highlight { color: #00c8e0; }\r\n.rethink-table-wrap-gg-en tbody tr { border-bottom: 1px solid #f0f0ee; transition: background 0.15s; }\r\n.rethink-table-wrap-gg-en tbody tr:last-child { border-bottom: none; }\r\n.rethink-table-wrap-gg-en tbody tr:nth-child(odd) { background: #fafaf8; }\r\n.rethink-table-wrap-gg-en tbody tr:nth-child(even) { background: #ffffff; }\r\n.rethink-table-wrap-gg-en tbody tr:hover { background: #f0fcff; }\r\n.rethink-table-wrap-gg-en td { padding: 12px 20px; font-size: 14px; color: #3a3a3a; vertical-align: middle; line-height: 1.5; white-space: nowrap; }\r\n.rethink-table-wrap-gg-en td:first-child { font-weight: 600; color: #0a0a0a; font-size: 13.5px; width: 175px; }\r\n.rethink-table-wrap-gg-en td:nth-child(2) { color: #0a0a0a; font-weight: 500; border-left: 3px solid #00c8e0; border-right: 3px solid #00c8e0; background: rgba(0,200,224,0.04); transition: background 0.15s; }\r\n.rethink-table-wrap-gg-en tbody tr:nth-child(odd) td:nth-child(2) { background: rgba(0,200,224,0.06); }\r\n.rethink-table-wrap-gg-en tbody tr:hover td:nth-child(2) { background: rgba(0,200,224,0.1); }\r\n.rethink-table-wrap-gg-en .rethink-nein { color: #3a3a3a; }\r\n<\/style><\/p>\r\n<div class=\"rethink-table-wrap-gg-en\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th>Criterion<\/th>\r\n<th class=\"rethink-highlight\" style=\"white-space: nowrap;\">Go\u00a0&amp;\u00a0Grow<\/th>\r\n<th>SmartSaver<\/th>\r\n<th>FLEXI<\/th>\r\n<th>Modena<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Launch<\/td>\r\n<td>2018<\/td>\r\n<td>2022<\/td>\r\n<td>2026<\/td>\r\n<td>2025<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Jurisdiction<\/td>\r\n<td>Estonia<\/td>\r\n<td>Estonia<\/td>\r\n<td>Latvia<\/td>\r\n<td>Estonia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Return<\/td>\r\n<td>6%<\/td>\r\n<td>7.5%<\/td>\r\n<td>6%<\/td>\r\n<td>Up to 11%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Interest Credit<\/td>\r\n<td>Daily<\/td>\r\n<td>Daily<\/td>\r\n<td>Daily<\/td>\r\n<td>Monthly<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Liquidity<\/td>\r\n<td>Daily<\/td>\r\n<td>Max. 10 Days<\/td>\r\n<td>Daily<\/td>\r\n<td>Max. 31 Days<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Min. Investment<\/td>\r\n<td>EUR 1<\/td>\r\n<td>EUR 10<\/td>\r\n<td>EUR 10<\/td>\r\n<td>EUR 50<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Max. Investment<\/td>\r\n<td>No Limit<\/td>\r\n<td>EUR 500,000<\/td>\r\n<td>EUR 10,000<\/td>\r\n<td>No Limit<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Regulation<\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<td><span style=\"color: #3a3a3a; font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Collateral<\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<td><span class=\"rethink-nein\">No<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p data-start=\"298\" data-end=\"493\">Additional Bondora Go &amp; Grow alternatives can be found in my <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platforms\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P platform comparison<\/strong><\/a>.<\/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>Affiliate Links \/ Conflict of Interest<\/strong><\/span><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;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<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>FAQ Bondora Go &amp; Grow Review<\/h2>\r\n<p><!-- \/wp:yoast\/faq-block --><\/p>\r\n<!-- wp:yoast\/faq-block {\"questions\":[{\"id\":\"faq-question-1775039043816\",\"question\":[\"\u2705 What is Bondora Go \\u0026 Grow?\"],\"answer\":[\"Bondora Go \\u0026 Grow is an investment product by the Estonian P2P platform Bondora, launched in April 2018. It promises a fixed return of 6% p.a., daily liquidity, and simple operation without any manual loan selection.\"],\"jsonQuestion\":\"\u2705 What is Bondora Go \\u0026amp; Grow?\",\"jsonAnswer\":\"Bondora Go \\u0026amp; Grow is an investment product by the Estonian P2P platform Bondora, launched in April 2018. It promises a fixed return of 6% p.a., daily liquidity, and simple operation without any manual loan selection.\"},{\"id\":\"faq-question-1775039060754\",\"question\":[\"\u2705 What returns can I achieve with Bondora Go \\u0026 Grow?\"],\"answer\":[\"Currently 6% p.a. with daily interest accrual. Between April 2018 and April 2025, the return was 6.75%. Bondora can adjust the interest rate at any time and it is not guaranteed. Personally, I have earned more than \u20ac6,000 in interest since 2018.\"],\"jsonQuestion\":\"\u2705 What returns can I achieve with Bondora Go \\u0026amp; Grow?\",\"jsonAnswer\":\"Currently 6% p.a. with daily interest accrual. Between April 2018 and April 2025, the return was 6.75%. Bondora can adjust the interest rate at any time and it is not guaranteed. Personally, I have earned more than \u20ac6,000 in interest since 2018.\"},{\"id\":\"faq-question-1775039061705\",\"question\":[\"\u2705 How safe is my money with Bondora Go \\u0026 Grow?\"],\"answer\":[\"Bondora is unregulated and offers no deposit protection. The long track record since 2008, continuous profitability since 2017, and audited financial reports support the platform's stability. Nevertheless, invested capital is subject to real loss risk.\"],\"jsonQuestion\":\"\u2705 How safe is my money with Bondora Go \\u0026amp; Grow?\",\"jsonAnswer\":\"Bondora is unregulated and offers no deposit protection. The long track record since 2008, continuous profitability since 2017, and audited financial reports support the platform's stability. Nevertheless, invested capital is subject to real loss risk.\"},{\"id\":\"faq-question-1775039062361\",\"question\":[{\"type\":\"strong\",\"props\":{\"children\":[\"\u2705 How quickly can I withdraw my money?\"]}}],\"answer\":[\"Bondora advertises daily liquidity. With the exception of a two and a half month period following the outbreak of the COVID-19 pandemic in 2020, this promise has been fulfilled since April 2018. Partial payouts cannot be ruled out in exceptional circumstances.\"],\"jsonQuestion\":\"\\u003cstrong\\u003e\u2705 How quickly can I withdraw my money?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"Bondora advertises daily liquidity. With the exception of a two and a half month period following the outbreak of the COVID-19 pandemic in 2020, this promise has been fulfilled since April 2018. Partial payouts cannot be ruled out in exceptional circumstances.\"},{\"id\":\"faq-question-1775039062953\",\"question\":[\"\u2705 Is Bondora Go \\u0026 Grow a good savings account alternative?\"],\"answer\":[\"Partly. Terms, notice periods, and daily availability are comparable. The 6% return is significantly higher than typical savings account rates. The key difference: savings accounts in Germany are protected by deposit insurance up to \u20ac100,000, while Bondora Go \\u0026 Grow is not.\"],\"jsonQuestion\":\"\u2705 Is Bondora Go \\u0026amp; Grow a good savings account alternative?\",\"jsonAnswer\":\"Partly. Terms, notice periods, and daily availability are comparable. The 6% return is significantly higher than typical savings account rates. The key difference: savings accounts in Germany are protected by deposit insurance up to \u20ac100,000, while Bondora Go \\u0026amp; Grow is not.\"}]} -->\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1775039043816\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Bondora Go &amp; Grow?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondora Go &amp; Grow is an investment product by the Estonian P2P platform Bondora, launched in April 2018. It promises a fixed return of 6% p.a., daily liquidity, and simple operation without any manual loan selection.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039060754\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I achieve with Bondora Go &amp; Grow?<\/strong>\r\n<p class=\"schema-faq-answer\">Currently 6% p.a. with daily interest accrual. Between April 2018 and April 2025, the return was 6.75%. Bondora can adjust the interest rate at any time and it is not guaranteed. Personally, I have earned more than \u20ac7,000 in interest since 2018.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039061705\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How safe is my money with Bondora Go &amp; Grow?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondora is unregulated and offers no deposit protection. The long track record since 2008, continuous profitability since 2017, and audited financial reports support the platform&#8217;s stability. Nevertheless, invested capital is subject to real loss risk.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039062361\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 How quickly can I withdraw my money?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Bondora advertises daily liquidity. With the exception of a period of almost three months following the outbreak of the COVID-19 pandemic in 2020, this promise has been fulfilled since April 2018. Partial payouts cannot be ruled out in exceptional circumstances.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039062953\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Bondora Go &amp; Grow a good savings account alternative?<\/strong>\r\n<p class=\"schema-faq-answer\">Partly. Terms, notice periods, and daily availability are comparable. The 6% return is significantly higher than typical savings account rates. The key difference: savings accounts in Germany are protected by deposit insurance up to \u20ac100,000, while Bondora Go &amp; Grow is not.<\/p>\r\n<\/div>\r\n<\/div>\r\n<!-- \/wp:yoast\/faq-block -->","protected":false},"excerpt":{"rendered":"<p>Bondora Go &#038; Grow feiert seinen vierten Geburtstag! Zeit also, um etwas genauer auf das beliebteste Anlageprodukt im P2P-Sektor zu schauen. Erfahre im Artikel alles \u00fcber die Hintergr\u00fcnde, Chancen und Risiken von Bondora Go &#038; Grow.<\/p>\n","protected":false},"author":1,"featured_media":36904,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","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>Bondora Go and Grow Review 2026: 6% Return + Daily Availability!<\/title>\n<meta name=\"description\" content=\"Bondora Go and Grow Review 2026: 6% Return + Daily Availability! \u2714\ufe0f Comprehensive Bondora Review \u2795 EUR 5 Bonus for New Investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bondora Go and Grow Review 2026: 6% Return + Daily Availability!\" \/>\n<meta property=\"og:description\" content=\"Bondora Go and Grow Review 2026: 6% Return + Daily Availability! 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