Bondora
Our take
With its Go & Grow product, Bondora aims squarely at beginners: one account, one advertised target rate, daily availability. That simplicity is its biggest strength — and exactly where you should look closely.
The roughly 6.75% is a target, not a guarantee, and the "daily liquidity" relies on enough new capital flowing in. In calm markets this works reliably; in stressed markets withdrawals can stall. As with any P2P investment: no deposit insurance.
Strengths
- Very easy entry from €1 — ideal for trying things out
- Go & Grow offers high, daily liquidity
- Long market history since 2009
Weaknesses
- The Go & Grow return is capped at currently around 6.75%
- No classic secondary market; liquidity is a platform promise, not a guarantee
- No deposit insurance — the advertised return is not assured
Risk profile: medium
Frequently asked questions
What is the return on Bondora Go & Grow?
Bondora Go & Grow targets around 6.75% p.a. That is a target rate, not a guarantee — actual distributions can vary in stressed market conditions.
Is Bondora regulated?
Bondora is licensed as a credit intermediary in Estonia. It is not regulated as an investment firm or under the EU Crowdfunding Regulation (ECSP).
Does Bondora have a secondary market?
No, Bondora currently has no classic secondary market. The daily liquidity advertised for Go & Grow is a platform promise, not a contractual guarantee.
Who is Bondora best suited for?
Bondora is especially well suited for beginners looking for an easy entry into P2P investing. The low minimum of €1 and the simple interface make it an ideal first step — with a deliberately manageable risk level.