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investors
Bondora is an Estonian consumer-lending platform running since 2008, but the business an investor meets today is not the one most reviews describe.
In April 2026 the company behind the product was renamed Go&Grow OU and moved out of the Bondora group, and bondora.com now sends visitors to goandgrow.eu. Only one product takes new money: Go & Grow. You pay in euros, the platform spreads your money automatically across small slices of unsecured consumer loans made in Estonia, Finland, the Netherlands, Latvia and Denmark, and your balance grows every day at a posted rate of up to 6% a year.
You cannot pick loans, there is nothing to configure and there is no market to sell on.
The minimum is 1 euro, there are no deposit or management fees, and withdrawals cost a flat 1 euro. To take money out you sell your loan slices back to the platform at a price it sets, funded by other people's deposits and by borrower repayments.
Anyone resident in the EU, Switzerland or the UK with a bank account in their own name can open an account.
Cash waiting to be invested sits in separate client accounts at AS LHV Pank, but most of your balance is not cash - it is claims on unsecured loans, with no guarantee scheme behind them.
Bondora AS, the lender that makes the loans, holds an Estonian consumer-credit licence; Go&Grow OU, the company you actually contract with, holds no financial licence at all. The platform earns the gap between what the loan book makes and the rate it pays you, and never says how big that gap is.
License / Regulation: Estonian credit licence (lender only); Go&Grow OU unlicensed | Licence 4.1-1/41 |
The visible costs are almost nothing. Opening an account, paying money in and running it are free, there is no management fee, and taking money out costs a flat 1 euro whatever the amount. There is no currency charge because the product is euros only, no inactivity fee, and no trading fee because there is nothing to trade. Two real costs are less visible.
Collection costs on a defaulted loan are capped at 35% of whatever comes back, so a two-thirds recovery is worth much less by the time it reaches you. And the platform keeps the gap between what the loan book earns and the rate it pays you. It confirms that gap exists but never says how big it is. Tax is not deducted; you declare it yourself.
Bondora is now Go & Grow. Bondora Capital OU was renamed Go&Grow OU on 20 April 2026 and moved out of the Bondora group under a new parent, and bondora.com now redirects to goandgrow.eu. The two say they still share the same core shareholders. What has not been explained publicly is how the agreements between the two sides work, or where responsibility would sit if either failed. A separate new product, Go & Grow Pocket, launched on 14 August 2026 at 4.89% a year with cover up to 25,000 euros from Balcia Insurance SE. That is a private insurance policy, not deposit protection, and its terms were not published at launch.
The referral and affiliate scheme pays cash to both people once the new investor has been in for 90 days, with no cap, and has paid out 5,618,473 euros to 66,444 affiliates across 29,512 successful referrals. A Double or Nothing prize draw ran from 12 August to 12 October 2026: pay in 1,000 euros or more, stay invested, and eight winners across five draws had their top-up matched up to 5,000 euros from a 40,000 euro pool. There is no loyalty tier and no better rate for larger balances. In 2022 it worked the other way round, with new customers offered 4% while existing ones kept 6.75%.
Trustpilot scores 3.5 out of 5 from 7,964 reviews. The repeated complaints are slow support, sudden account restrictions demanding a lot of paperwork with no clear timeline, difficulty withdrawing, and returns below what people expected. Three harder facts sit behind them. Estonia's financial regulator fined Bondora AS 200,000 euros on 30 April 2025 for making consumer loans between 6 December 2023 and 24 February 2024 without carrying out all the borrower checks the law requires. The same regulator withdrew the lender's Slovenian branch permission with effect from 13 April 2026, without publishing a reason. And in spring 2020 the platform switched on its built-in brake and paid withdrawals out in daily instalments, though sources disagree on the exact cap. Separately, the reports page has said it is being rebuilt since 16 August 2024, and two independent researchers say their requests for performance data were refused.
Partel Tomberg founded the business in Tallinn in 2008 and is still chief executive. He joined the board of Go&Grow OU on 25 February 2026 and is recorded as its owner; Triin Sarapuu joined on 20 April 2026, the day the company was spun out. Bondora AS, the lender, is run by Tomberg with Liisi Klettenberg and Juris Rieksts-Riekstins, overseen by a supervisory board chaired by Joao Pinto da Silva Monteiro. About 200 people work across the group, though almost all of them sit in Bondora, which is now a separate company from the one you contract with. There is no current team page: both about-us addresses return errors.
In normal times yes. Withdrawals run every day for 1 euro and usually arrive within three days, and money has been flowing in rather than out, with tracked portfolios up 3.1m euros over the year to August 2026. But the mechanism is not a market. You are asking Go&Grow OU to buy your loan slices back at a price it sets, using money that other people are paying in and that borrowers are repaying. If that money is not there, the terms let it split your withdrawal into daily instalments, which it has done once. The terms also allow it to restrict or cancel your use of the site altogether.
