November 28, 2025,

A New Record: 500,000 Investors … and Where We Go From Here 🚀

Bondora Go & Grow

Editorial team

It’s not a secret anymore: If you want a simple investment solution with fast liquidity and potential returns of up to 6% p.a.*, you use Go & Grow. Over 500,000 investors have already known this, and have created their accounts!

Half a million people is an incredible number:

If we all held hands, we could reach from Berlin to Paris
We could fill London’s Wembley Stadium five and a half times.
If we all formed a country, we would be number 59 in the world by population🌍

But 500,000 investors is more than just a new record. Together with our 17 years of success, it’s proof that our strategy is working: Continuous, sustainable growth, and a strong risk-management built with broad diversification.

What this new record means for our investors

500,000 investors is not just another milestone; it has a tangible, positive effect on your Go & Grow account and the Bondora Group as a whole:

With your support, we can continue to grow throughout European markets steadily
The size of our investor base allows us to operate much more efficiently than any smaller platform could
We have reached a size where we can tackle new challenges to further improve our services
Thanks to over 500,000 investors and our large risk buffer (a reserve we keep for uncertain times), supported by our internal risk-management practices

Our investors agree: They added a record-breaking €45 million to their accounts in October!

We continue to go and grow 🧑‍🌾

This new record is not the end. Our community keeps on growing! In fact: at the time of writing, we have already reached 520,000 investors.

A large part of that continuous growth comes from our investors themselves, recommending Go & Grow to friends and family. If you’re already using Go & Grow, you can refer a friend, and once they start investing, you’ll both get a €5 cash bonus.

👉Refer a friend with your unique code from your Dashboard.

And if you haven’t signed up yet, now is the perfect time!

Join over 500,000 investors

Yes, that’s what you earn with Go & Grow. Daily payouts. Near instant access – no lock-up period.

Claim up to 6%* p.a.

*Read the full disclaimer in the footer

No matter if you’re just signing up or if you’ve been with us for years, thank you to all our investors. Without you, none of this would’ve been possible! Thank you for being part of this journey 💚

Bondora Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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Frequently Asked Questions

How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

At the same time, Bondora Capital is subject to all relevant general regulations, including (but not limited to) the Estonian Consumer Protection Act, the Law of Obligations Act, the Commercial Code, the Accounting Act, the Competition Act, and the General Data Protection Regulation (GDPR).

Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

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What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Bondora’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Bondora goes bankrupt?
Your money is protected. Even in the highly unlikely event that Bondora Capital becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Bondora Capital.

This means Bondora’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Bondora’s bankruptcy estate.

Risks related to Bondora as a company are separate from the risks associated with your investment portfolio. Simply put, if Bondora disappears, your investment doesn’t.