February 12, 2026,

🎉2025 Recap: Our most important Milestones

Bondora Go & Grow

Editorial team

Celebrating the old year is just as important as starting strong in the new one. And we do have a lot to celebrate! Thanks to you and other Go & Grow investors, 2025 was an amazing year of success. We want to show you the most important milestones you helped achieve:

Go & Grow went and grew: Our favourite Records of 2025 💚

In 2025, more people than ever before chose Go & Grow as a simple way to put their money to work. Throughout the year, investor activity reached new highs and clearly showed the growing trust in Go & Grow.

Here are some of the most important figures from 2025:

Total invested in 2025: over €428.6 million
Average yearly deposit per investor: over €5,200
New registered users in 2025: over 40,000

Overall, the figures point to an exceptional year, as total investments grew by 54% year over year compared to 2024 (€277.706 million).

More Records: Our most successful Month so far 🏆

2025 was a highly successful year for Go & Grow, with almost every month setting a new record. So let’s take a look at December and the strong finish it delivered. Here, two numbers stick out especially:

Investors added an unprecedented €46,710,341 to their Go & Grow accounts in December
They received €3,464,463 in returns that same month and set another record

We’re hoping, of course, that these records will be broken again in 2026. Still, it’s important to celebrate this great success, and we want to thank all investors for continuing to trust in us!

More Transparency: New Statistics Page launched

To make these figures, and the growth behind them, fully visible to you and easy to track at any time, we launched our new statistics page in February 2025. Since then, we’ve been pleased to see how positively the community has received it.

You can explore the interactive graphs anytime to follow key Go & Grow developments – proving that we’re all a bit of data nerds when it comes to clear numbers and transparency.

No matter if you’ve been with us for years or if you’re just signing up, having all the information at hand allows you to make the right decisions for your financial future.

Giving back to our Community: Amazing Prizes of 2025 ⛱️

Alongside product improvements, we continued to focus on initiatives that support and motivate investors throughout their investment journey! That’s why, in 2025, we launched several dedicated campaigns for our investors. Over the course of the year, we handed out prizes worth more than €273,732 during 5 campaigns to support investors along their journey and provide additional motivation.

For example, our investors had the chance to win a total of €75,000 during our summer raffle. But the most exciting reward was given out during our birthday celebration in April: A trip to the Maldives for two, plus €10,000 in cash💸 And even if you weren’t the lucky winner of the grand trip, you still had a chance for a total of €35,000 in prizes.

Be sure to keep your eyes out for more amazing prizes in 2026! And if you haven’t signed up yet, now is the chance to make sure you don’t miss out in the future 🔎

We launched a new Credit Market! 🇩🇰

Since February 2025, credit customers in Denmark can now fulfill their financial goals and needs with Bondora. Starting from zero, this market has already grown to over €833,000 in monthly loans 📈

This is great news for our investors as well! With five countries now and strong, reliable growth across the board, Go & Grow offers even greater diversification. The money you invest is split across thousands of loan fractions from different markets, providing greater reliability for you.

Bondora Received International Recognition

This next highlight from 2025 is very precious to us here at Bondora: We have received multiple awards and recognition in the media for our work 🏅

For the third year in a row, we made CNBC & Statista’s World’s Top 300 Fintech Companies list in the category “alternative financing”.
We’ve also been named one of Estonia’s top 30 tech companies
For the first time, we’ve been awarded the Financial Excellence Gold Label by Krediidiregister. With an AA credit rating, we are now among the top 8% of Estonian companies in terms of financial strength.

Of course, none of these prizes would’ve been possible without you and your continued trust in Bondora. Thank you for being part of this journey!

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New Go & Grow Product Page Launched 🚀

In 2025, we launched a new Go & Grow product page to make it easier to understand how Go & Grow works. The page presents the product clearly and transparently, explains the key concepts, and answers common questions around returns, diversification, and flexibility.

By combining this with live data from the statistics page, investors can quickly see both how Go & Grow works and how it performs. This clarity also makes it easier to explain Go & Grow to others and share it with friends or family.

If you choose to recommend Go & Grow, this clarity also helps when sharing it with others. Simply use your personal referral code from your dashboard – both you and your friend can receive a €5 cash bonus 🤝

👉 Explore the new Go & Grow product page here

2025 was a great success, now we look towards the future!

The last year has brought great results for our investors and the Bondora Group. We’re not slowing down, but rather going full steam ahead into 2026: we have a lot of exciting new prizes and improvements planned for you. So stay tuned for another great year!

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.