Review of Go Grow Bondora
No. 1 Liquidity
Top 1 Safety
Updated | October 2026
Profitability
Up to 6%
Type
P2P Private Individuals
Risk
(8/10)
Bass
Liquidity
Total
Regulated
No
Country
Estonia
InvantAPPs score
- Excellent
Breakdown by Category
Detailed scores for each area assessed
Features
Minimum investment:
1,00 €
Regulation:
Unlicensed
Withdrawal fee:
1€
Payment methods:
Instantaneous · SEPA
Type of investor:
Private individual
Suitability test:
Yes
Geographical exclusions:
Geographical exclusions: EEA or Swiss residents only
Platform statistics
Assets under management
129.000.000,00 €
Updated: July 2026
Portfolio health:
Surveillance
Current loans: 84.1%
In arrears/recovery: 15.9%
513741
Investors
18
Years in active service
2008
Founded
Loans financed:
2.160.000.000,00 €
Average interest:
6%
Audited accounts:
Yes
Regulatory licence:
Unlicensed
InvantAPPs Portfolio
- Active Investment
Total portfolio:
20.130,00 €
TIR:
6.00%
From:
January 2022
Role in the portfolio:
Liquidity
Suggested allocation:
3
-10
%
Dedication:
Bass
Surveillance:
Long term
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€5 straight away
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Videos about Go Grow Bondora
Taxation
Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
Notes: Bondora calculates tax on gross interest and makes the investor responsible for declaring and paying tax in accordance with their tax residence; it does not confirm any specific treatment for tax residents in Spain, nor does it offer tax advice. Go & Grow allows you to generate and download a Tax Report as a PDF by selecting the period, including a full calendar year from January to December.
Liquidity
Early exit:
No
Average loan term:
No fixed term
Time to settle:
Almost immediate; up to 1 working day for bank transfers
Notes: Go & Grow allows you to request payment of the entire portfolio or a specific percentage. The platform buys the investor’s GG-Claims; there is currently no secondary market for selling positions to other investors, which will close on 30 September 2025. If there are insufficient funds to cover all withdrawals, payments are suspended until sufficient liquidity is available, or equal partial payments are made on each working day until the withdrawal is complete. Partial payments have been triggered only once in the history of Bondora, during the COVID-19 crisis in 2020; some users reported withdrawal times of approximately 12.5 weeks during that period. The €1 fee is charged only once, even if the withdrawal is paid out in several instalments.
Profitability
Stated return:
Up to 6%
Self-investment:
Yes
Payment frequency:
Daily
Regulation
- Unregulated
Competent authority:
Not available
Guarantees and risk mitigation
A) Type of guarantee
Main type
Without security
▸Bondora Go & Grow loans are unsecured consumer loans, which means they are not backed by mortgages, pledges or physical assets. The recovery of the principal depends on the borrower’s ability to repay and on the platform’s debt recovery and legal proceedings.
B) Stress scenario
▸If the platform were to close, the loans would remain in force and could continue to generate repayments, but their management would be transferred to a third party or become subject to insolvency proceedings. This could lead to delays in repayments and potential losses for investors.
▸In the event of widespread default, the portfolio’s return would fall and Bondora would initiate its debt recovery and legal proceedings to attempt to recover part of the capital. Even so, the investor bears the risk of loss if the recoveries are insufficient.
▸N/A
C) Additional guarantees
Buyback
No
Reserve fund
Yes
Skin in the game
Yes
Segregation of accounts
Yes
AS LHV Pank
InvantAPPs Summary
What is Go Grow Bondora?
GO & GROW (BONDORA) is a P2P collective investment product based in Estonia that allows investors to invest in a fully automated manner in diversified portfolios of personal consumer loans. It offers a target annual return of 6% with daily interest payments. It is an ideal product for investors with a moderate or conservative profile who are looking for absolute simplicity and an alternative to traditional bank deposits in exchange for assuming credit risk.
Founded in 2008, the platform stands out for its impressive track record and an outstanding loan portfolio exceeding 2,160 million euros, managed by Go&Grow OÜ. Unlike other crowdlending operators that allow investors to select individual loans, here the capital is entirely delegated to a passive algorithm that offers immediate liquidity. However, investors should be aware that the product lacks its own regulatory licence and a buyback guarantee, which transfers the risk of default directly to the collective return on the portfolio. At InvantAPPs, we consider GO & GROW (BONDORA) to remain a sound option for short-term liquidity management, provided that it is understood that it is not a deposit guaranteed by any state guarantee fund.
Key points
Predictable annual net return of 6%, with interest accrued paid daily.
Yields have become less attractive following the reduction in the target interest rate from 6.75% to 6% from April 2025.
It does not have a buyback guarantee or its own regulatory licence to operate independently under Go&Grow OÜ.
A fixed fee of €1 for every cash withdrawal you make to your bank account.
Pros and cons
Investing made incredibly simple thanks to an algorithm that eliminates the need to set up complex strategies or select loans on a case-by-case basis.
Immediate access to funds via SEPA withdrawals, which are usually processed within a few minutes to your home bank.
Massive and instant diversification, starting from a minimum investment of just one euro, spread across thousands of European microloans.
Deferred liquidity risk arising from partial payments should there be a mass run on the system by users.
Customer service has been criticised in real reviews for its excessive reliance on artificial intelligence bots and delays of up to 24 hours.
Returns are capped at a maximum of 6% per annum, which means they fall below the rate of inflation in certain periods or are lower than those offered by crowdlending competitors with a similar level of risk.
Experience and social proof
Updated: July 2026
Social media activity
🔵 Active
🟡 Not very active
- Telegram
Private
🟡 Not very active
🔵 Active
🔵 Active
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Frequently Asked Questions
Is GO & GROW (BONDORA) safe?
GO & GROW (BONDORA) is backed by Bondora AS’s track record since 2008, but has no regulatory licence of its own or buy-back guarantee. Its security lies in automatic diversification across thousands of the organisation’s consumer loans.
How much should I invest in GO & GROW (BONDORA)?
With an interest rate of 6%, GO & GROW (BONDORA) works well as a liquidity tool or cash parking option for a moderate risk profile. We recommend allocating a small percentage of your total portfolio to it, bearing in mind that the capital is not covered by deposit protection.
How do I declare GO & GROW (BONDORA) on my income tax return?
Interest from GO & GROW (BONDORA) is taxed as investment income (19%–28%). The platform does not deduct tax at source, but issues an annual certificate so that you can declare it yourself. We advise you to check this with your tax adviser.
What happens if GO & GROW (BONDORA) closes down?
If GO & GROW (BONDORA) were to go into administration, the funds would be segregated from its corporate accounts. An independent administrator would manage the active debt portfolio, worth 2,160 million euros, in order to return the recovered capital.
How do I withdraw money from GO & GROW (BONDORA)?
You can withdraw funds from GO & GROW (BONDORA) at any time via SEPA for a fixed fee of €1. However, in the event of panic or an extreme liquidity crunch, the platform may implement a system of pro-rated partial payments.
Contact and support
Email: investor@bondora.com
Telephone: +372 609 30 88
- High accessibility
They provide service in Spanish:
Yes
Live chat:
Yes
Telegram:
No
Rating:
3.7/5
Response time:
1–24 hours
Official FAQ:
Legal information
Corporate identity
Legal name:
Go&Grow OÜ
Country of registration:
Estonia
Registration code:
12831506
Registered office:
6 Sõjakooli Street, Tallinn, Harju County, 11316, Estonia
Work email:
investor@bondora.com
Regulation and equipment
Licence type:
Unlicensed
Management team
CEO and Founder of Bondora
Pärtel Tomberg
Verified profiles:
Yes
- The information is taken from public sources and may not be up to date. Always check the official website.
About the author
Antonio Hernández
Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.
Legal notice
Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.