The most sensible alternative to a savings account and you have more than 100€ just lying around in your account? Would you like an investment where you can quickly access your money again with low risk? Investing in Bondora would be a very good way to counteract inflation somewhat. In this article, I would like to disclose my experiences with real screenshots + video and inform you about the advantages and disadvantages as well as consider the important topic of deposit protection. At the very bottom you will also find real screenshots from my Bondora Capital account. Update mid-June 2025: Since 2008, an incredible amount of a total of 1.3 billion euros has been invested in Bondora!!!

All information provided here does not constitute investment advice or a purchase recommendation! All statements represent my generally published opinion. I have obtained the information from my experience as a private investor. Every investment carries a risk and should be reviewed by each person beforehand.

My Bondora Go and Grow Experiences + Reviews – the Alternative to Savings Accounts for Passive Income with Low-Risk P2P Loans

The Bondora registration is very simple and verification only requires first name, last name, and mobile number for SMS PIN verification. The practical thing is that there is no minimum investment amount. You can start investing with Bondora from just 1 Euro!

CURRENT (May 2025): 6% return on every deposit.

May 2025: Our community deposited an incredible €33,593,458 in Go & Grow

Important: This article is only about Go and Grow and NOT the Portfolio Builder, Manager, or Portfolio Pro. For me, the default risk would be too high, but you can also make very high double-digit returns in a short time with those. But the more return you make, the higher the risk usually is! A withdrawal is very simple with just one click and in my case was back in my account within just 1 business day!

My video from 10.01.2025 as a Bondora experience report with lots of additional information:

Current investment status:

Interim conclusion after several years with Bondora + six-figure investment (definitely watch the video!):

Savings account? Forget it! This is the best alternative with 6% p.a. return and daily interest payouts WITHOUT FIXED TERM + withdrawal possible at any time 😎 My Bondora experiences are MORE THAN POSITIVE! However, I only use the Grow & Grow program.

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The Go & Grow program from Bondora is a user-friendly investment solution for P2P loans that specifically aims for easy handling and stability. It is aimed at investors who want to invest in P2P loans without much effort, without having to intensively deal with the selection and management of individual loans.

✅ Automated investing: Your capital is automatically invested in a broadly diversified loan portfolio without you having to select loans yourself.

✅ Stable returns: Bondora promises an annual net return of up to 6.75%, which is achieved independently of individual loan defaults. This is a target return, but it is not guaranteed.

✅ High liquidity: You can generally withdraw your money at any time, which makes Go & Grow particularly attractive for short-term investments.

✅ Easy to use: Ideal for beginners and investors looking for an uncomplicated way to invest their money.

✅ Low barriers to entry: You can start with small amounts, which makes Go & Grow more accessible than many other forms of investment.

✅ Time savings: No manual selection of loans required.

✅ Diversification: Your investment is distributed across many borrowers, which minimizes risk.

✅ Flexibility: Fast and easy money withdrawal possible.

👌 Very low to no risks with Go & Grow (not active P2P loans)

👉 Go & Grow is an attractive option for everyone who wants to invest in P2P loans in an uncomplicated way and with manageable risk. It combines a stable target return with high flexibility and user-friendliness.

Sign up now*

Is Bondora legitimate? – The Estonian P2P platform Bondora from Tallinn, Estonia, operates as an OÜ, has been one of the oldest companies in the P2P industry since 2009 and has solid balance sheets / annual reports (click here for current business results) and is one of the few profitable P2P platforms.

⚖️ Bondora deposit protection:

To increase the security of investor funds, funds transferred by borrowers and investors to Bondora are held in segregated customer accounts at AS LHV Pank, a subsidiary of Estonia’s largest domestic financial group, LHV. This separate custody ensures that customer funds do not flow into the bankruptcy estate in the event of Bondora’s insolvency. https://bondora.com/de/riskstatement/

https://help.bondora.com/hc/en-us/articles/14817359863953-How-does-Bondora-safeguard-my-money

With regard to regulatory framework conditions, Bondora holds a license as a lender granted by the Estonian Financial Supervision Authority (FSA). The FSA is the primary regulatory authority in Estonia and supervises banks, lenders and other financial institutions to ensure they meet their obligations to customers and provide services at the highest level.

Bondora reviews on Trustpilot, Finanzfluss etc.: Most reviews and experience reports are always about the „normal“ P2P loans, defaults due to excessive risk, incorrect handling of settings or lack of diversification. If you filter using the browser search function (Ctrl + F or CMD + F) for „Go“ or „Grow“, you get a completely different, more positive picture.

Get 5 euros starting credit now*

Invest with Bondora and my experiences with the P2P lending platform and the Go and Grow system

Simply put, you get a type of savings account which, through Bondora investing within the P2P lending platform via low-risk loans, generates more money from your investment. The Bondora wallet is like a regular account and Go & Grow is the investment „depot“. You can have money invested automatically or manually transfer from your wallet to Go and Grow.

The best part? If you sign up today, you’ll receive a welcome bonus of €5 and within 90 days from the date of bonus calculation an additional bonus of €5 = €10 total!

Create a free account today and invest with just a few clicks:

Get €5 welcome credit now*

Also nice to look at is the review of 2024 and what incredible numbers were achieved: https://bondora.com/de/blog/rueckblick-2024-bondora-group-blog/

My experiences through 2025:

I myself have invested six figures and see it as a low-risk side investment with 6% returns without investing time AND the money is immediately available (1 business day for transfer).

Management works best via the mobile version of the website or on tablet or browser on your computer. But there is also a simple Bondora app for iOS and Android which provides the most important information and content. It’s always particularly nice to check the app when you haven’t looked at it for a day or several days:

I always just say to myself internally: Thank you Bondora and thank you to all borrowers. 😉

Bondora is currently an ideal passive income example with Go & Grow, showing how you can really generate „dividends“ (incorrect term) = returns on an ongoing basis without much starting capital.

Tip: Be sure to activate the „Auto Transfer“ function / option in your Go and Grow account. This way, amounts from your wallet are automatically invested.

Simply try it out and offset inflation a bit:

Start now with Bondora Go & Grow + 5 Euro starting credit*

I also find the forecast for growth and returns particularly cool and practical when investing regularly in Go Grow.

Topic Taxes: The tax certificate is also quite simple and can be entered in Annex KAP.

Advantages:

• Bondora is one of the oldest companies in the P2P industry and has solid balance sheets / annual reports
• Returns 7 days a week / 365 days a year (like a daily dividend)
• Withdraw money to your account anytime with 3 clicks (1 business day)
• Minimal time commitment
• Savings plan capable = transfer money regularly and have it invested
• Maximum risk diversification

Real screenshots from my Bondora account:

After several months of Bondora Go and Grow experience I can really say that it is simple, fast and uncomplicated. So far, withdrawals have also worked very easily and the Bondora reviews are also only related to the classic P2P loans and often never regarding Go & Grow.

Bondora as an Alternative Savings Account

Bondora Go & Grow is an alternative to a savings account, but with some differences that need to be considered. Here are some points that distinguish Bondora Go & Grow from a classic savings account:

Advantages of Bondora Go & Grow

1. Higher Returns: Bondora Go & Grow offers a target return of 6.75% per year, which is significantly higher than the interest rates on most savings accounts.
2. Easy to Use: The platform is designed to be user-friendly and allows you to invest with small amounts.
3. Liquidity: Compared to other forms of investment, Bondora Go & Grow is relatively liquid, as you can usually withdraw your money quickly.

Disadvantages of Bondora Go & Grow

1. Risk: In contrast to a savings account, which is protected by deposit insurance, Bondora Go & Grow carries a higher risk because it involves peer-to-peer loans.
2. No fixed return: The stated return of 6.75% is a target value and not a guarantee. The actual return may vary.
3. Withdrawal fees: A fee of 1 euro is charged for each withdrawal.

Comparison with a savings account

• Security: A savings account is typically protected by statutory deposit insurance up to an amount of 100,000 euros per customer and bank. Bondora Go & Grow does not offer this protection.
• Returns: Savings accounts currently offer very low interest rates, often below 1%, while Bondora Go & Grow aims for significantly higher returns.
• Flexibility: Both options offer a certain degree of flexibility, however, money in a savings account is often immediately available, while Bondora Go & Grow charges a withdrawal fee.

Bondora Alternative – Bondora vs Mintos

There are some alternatives such as Twino & Viainvest, but none has a similarly simple and low-risk program like Go & Grow. Mintos has a completely different business model and different history. Therefore, it cannot be directly compared. Apart from Go & Grow, in my experience, ratings, and recommendation, Bondora is not to be seen as a platform for beginners in the P2P sector.

Comparison Bondora Go & Grow vs Mintos: A detailed analysis

Investments in peer-to-peer (P2P) lending platforms are becoming increasingly popular as they offer investors the opportunity to achieve attractive returns. Two of the most well-known P2P platforms are Bondora and Mintos. Both have different approaches and features that are worth examining in detail. In this report, we will compare the key aspects of Bondora Go & Grow and Mintos to help decide which platform might be better suited to individual investment goals.

Comparison table contrasting the key features of Bondora Go & Grow and Mintos

• Bondora Go & Grow is suitable for investors who are looking for a simple and transparent investment option and are willing to take a higher risk for a fixed target return of 6.75%. The platform offers high liquidity and user-friendliness, but without direct deposit insurance.
• Mintos offers higher potential returns and great flexibility in selecting loans. However, it requires more commitment and time to manage the portfolio. The buyback guarantee for many loans offers an additional layer of security, but liquidity can vary and is not always guaranteed.

Both platforms offer unique advantages and risks, and the choice depends on individual investment goals and risk tolerance.

1. General Overview

Bondora Go & Grow: Bondora is an Estonian-based P2P platform founded in 2008. Bondora Go & Grow is a special product from Bondora that aims to make P2P investments as simple as possible. It offers an easy way to invest in P2P loans without having to worry about selecting individual loans.

Mintos: Mintos, also a leading P2P platform in Europe, was founded in Latvia in 2015. Mintos is a marketplace for P2P loans that offers a variety of loans from different countries and lenders. Investors can choose from a variety of loan types, including consumer loans, mortgages, and business loans.

2. Return

Bondora Go & Grow:

• Target return of 6.75% per year.
• The return is not guaranteed, but a target value.
• Simple and transparent model with a fixed target return.

Mintos:

• Returns vary depending on the loan type and risk profile, but typically range between 8% and 12% per year.
• Higher returns are possible, especially for loans with higher risk.
• Investors have the option to actively manage their portfolio and select loans that meet their return expectations.

3. Risk

Bondora Go & Grow:

• Higher risk compared to traditional banking products such as call money accounts, as these are unsecured consumer loans.
• Bondora does not offer a buyback guarantee, but the Go & Grow product is designed to reduce risk through diversification.
• No deposit insurance.

Mintos:

• Mintos offers many loans with a buyback guarantee, which means that the lender buys back the loan if the borrower defaults.
• Broad diversification across different loan types, countries, and lenders is possible.
• Despite buyback guarantees, a certain risk remains, especially during economic downturns or the default of lenders.

4. Liquidity

Bondora Go & Grow:

• High liquidity with the possibility to withdraw money quickly as a rule.
• A withdrawal fee of 1 Euro per transaction applies.
• Suitable for investors who need flexibility and quick access to their money.

Mintos:

• Liquidity depends on the availability of a secondary market where investors can sell their loans.
• Liquidity can vary and is not always guaranteed.
• Selling loans on the secondary market can be associated with discounts, especially in times of economic uncertainty.

5. User-friendliness

Bondora Go & Grow:

• Very user-friendly and easy to use.
• No need to select individual loans or manually manage portfolios.
• Ideal for passive investors looking for a simple solution.

Mintos:

• Requires more time and commitment to select loans and manage the portfolio.
• However, it offers great flexibility and control for experienced investors.
• Automated investment strategies available that can facilitate the investment process.

6. Fees

Bondora Go & Grow:

• No management fees.
• A withdrawal fee of 1 Euro per transaction.

Mintos:

• No fees for investors when investing in loans.
• Fees may apply when loans are sold on the secondary market.
• Some loan types and buyback guarantees may incur additional costs.

Conclusion

Bondora Go & Grow:

• Suitable for investors seeking a simple, transparent, and relatively liquid investment with attractive, but not guaranteed, returns.
• Ideal for passive investors who do not want to spend time managing their portfolio.

Mintos:

• Offers higher returns and more flexibility, but is also more complex and requires more engagement from investors.
• Suitable for experienced investors who are willing to invest time in selecting and managing their investments and accept higher risks.

Both platforms have their own advantages and disadvantages, and the choice between Bondora Go & Grow and Mintos depends on individual preferences, risk tolerance, and investment goals. It is advisable to thoroughly research both platforms and possibly invest in both to diversify risk and leverage the benefits of both approaches.

👉 Start now with Bondora Go & Grow*

📝 For the Bondora tax return & tax report, there is a simple export function.

😎 P2P loans (Peer-to-Peer loans) are a form of lending where private investors directly lend money to borrowers without traditional financial institutions such as banks being involved.

✅ Direct connection: Borrowers and investors are directly connected.

✅ Flexibility: Borrowers can often borrow smaller amounts under individually tailored conditions.

✅ Return potential: Investors can achieve higher returns by granting loans than with traditional investment forms.

✅ Diversification: Investors can spread their capital across multiple borrowers to minimize risk.

😎 Bondora and P2P loans – not Go & Grow!

Bondora is one of the most well-known P2P platforms in Europe. Founded in 2008, it offers both borrowers and investors an easy way to participate in the P2P lending market. Over 1 billion Euros have now been invested.

• Automated Investing: Bondora offers tools like the „Go & Grow“ service, which allows investors to easily and automatically invest in loans.
• Attractive Returns: The platform advertises average annual returns between 6-10%+, depending on risk appetite and the chosen portfolio.
• Diversification: Capital can be spread across thousands of borrowers in different countries.
• Transparency: Bondora provides investors with comprehensive data on loan performance.
• Easy access to credit: Individuals who might not be able to obtain a loan from banks can often get financing through Bondora.
• Fast processing: The loan process is typically faster than with traditional banks.
• Flexible conditions: Borrowers can often adjust the term and amount of the loan to their needs.

P2P Lending Risks (General):

• Default Risk: Borrowers may not be able to repay their debts.
• Illiquidity: The invested capital is not available at all times, especially for long-term loans.
• Market Risk: Changes in economic conditions can affect loan repayments.
• Platform Risk: Should the platform itself encounter financial difficulties, investors could suffer losses.

The video and blog article are for informational purposes only and do not constitute financial or investment advice. Investments in P2P loans, including Bondora Go & Grow, are associated with risks, such as the potential loss of invested capital. Please conduct your own research and consult a financial advisor if necessary before making any investment decisions.