Bondora

Estonia · Consumo · Fondata 2008

Nostro punteggio

5,4

Rendimento medio

6,0%

tasso obiettivo, non garantito

Regolamentazione: Go & Grow itself is not regulated. The lender behind it, Bondora AS, holds an Estonian FSA credit-provider licence

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Il nostro giudizio

Bondora has lent since 2008, and Go & Grow, its flagship product, pools the consumer loans of one lender, Bondora AS, at a rate capped at up to 6% a year, with returns above the cap retained as a buffer. In normal times withdrawals complete within up to three business days for a flat €1, and the product paid everyone through its one real test, the 2020 pandemic, when Partial Payouts slowed withdrawals to daily instalments. The rate is a cap, not a promise: Go & Grow states that the product falls under no regulatory framework, and no deposit guarantee or compensation scheme stands behind the balance. The Secondary Market closed on 30 September 2025, and in 2026 Go&Grow OÜ, the company holding investors' agreements, was separated from the audited Bondora Group.

Leggi la nostra recensione completa di BondoraRegolamentazione, rendimenti, costi, rischi e il nostro verdetto, in dettaglio (in inglese).

Cosa funziona

Bondora has lent since 2008, and Go & Grow paid out through its one stress episode, the 2020 pandemic
Rate capped at up to 6% a year, with returns above the cap retained as a buffer rather than paid out
Bondora Group AS reported a €9.5m net profit on €62.7m revenue in 2025, audited by KPMG Baltics
Very simple: one balance, no sign-up or management fees, and a flat €1 per withdrawal

Cosa non funziona

Go & Grow falls under no regulatory framework; Bondora AS's Estonian FSA credit-provider licence covers lending, not investing, and no compensation scheme applies
Withdrawals can be switched to daily Partial Payouts with no published trigger or time limit, as happened in 2020
All loans come from one lender, and the Secondary Market closed on 30 September 2025, leaving no second exit
No published reserve size, gross yield or loss rate, and Go&Grow OÜ's own accounts sit outside the audited Bondora Group since 2026