september 27, 2018,

A recap of our videos in September – p2p lending

Bondora Go & Grow

Editorial team

This month, we pointed out some investing tips by great authors and also provided a guide on how to withdraw and share your Go & Grow money with other services on the platform. Catch up with the details below.

3 investing tips from top authors

If you think Investment Education is expensive, then try Ignorance. As the saying goes – Knowledge is Power.

On our recommended list is “The Richest Man in Babylon“ by George S. Clason who says you should “Increase your ability to earn“.

Mark Douglas, “Trading in the Zone“ advises that emotion-based decisions can damage an investor’s hope of getting a consistent net return.

And Robert Kiyosaki in “Rich Dad Poor Dad“ strongly believes that you can make your money work for you for the rest of your life – especially with assets that produce income and appreciates in value.

I can’t withdraw – What should I do?

This can happen if you initially deposited to your Bondora account via your credit card. If this is the case, we always need to send your money (when you make a withdrawal) via the same method and for the amount originally deposited from the card. This is the standard procedure for most financial companies and credit card payments.

After everything has been transferred back to the card, the bank transfer option (SEPA) will be available on your account – then you can make withdrawals to your bank account.

Some common myths about startups in 2018

The pay is low: One of the biggest mistakes people make is making a general assumption that you earn less when you are working with a startup, but the reverse is the case.

Everyone is under 25: Age does not determine the skills of a person. What speaks louder is their attitude, ability to learn, experience and natural talents. In fact at Bondora our team ranges from 20’s to 50’s.

You work long hours: Most startups do not go by the conventional 9am to 5pm working hours. In fact, they wouldn’t blink if you say you’ll work from home because they know work freedom sends job satisfaction through the roof.

Share your Go & Grow money with other services

If you’re already using Go & Grow and want to invest part of the money into other services like Portfolio manager and Portfolio Pro, that’s easy. All you need to do is withdraw the money from your Go & Grow account to your Available funds.

Click the Go & Grow tab, select the settings icon and click “Withdraw“. Enter the amount and click “Withdraw“ one more time. The money will then appear on your “Available funds“ for your Portfolio Manager or Portfolio Pro to start investing.

*As with any investment, your capital is at risk and the investments are not guaranteed. The yield is up to 6.75%. Before deciding to invest, please review our risk statement or consult with a financial advisor if necessary.

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.

Share this article

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.

Read more
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.