October 8, 2020,

Portfolio Manager hits €1M investments in September

Bondora Go & Grow

Editorial team

In September, there was overall growth in funding for our investment products, with a total of €2,968,622 invested. Portfolio Manager continues to be investors’ preferred investment method in September, following August’s popularity trend. It soared past the €1M mark with a total of €1,159,262 invested.

*Portfolio Manager ascended to investment levels similar to what we saw pre-crisis.*

It’s the highest investment amount we’ve seen for Portfolio Manager since March 2020. Portfolio Pro also grew in popularity, garnering €966,668 in investments. Perhaps next month, it will hit the €1M mark too?

Value of investments by product September — *Value of investments by product – September*

Portfolio Pro, the second-best performing product for September, rose by 8.7% in money invested. This growth is an almost complete reversal of the 9.0% decline we saw in August. Portfolio Manager, however, remains the star of the month, with a 17.5% increase. It also took up a 38% share of the money invested—a 2.0% increase from last month.

In contrast to Portfolio Manager and Portfolio Pro’s increases, Go & Grow and the API both saw declines in product funding. Go & Grow’s decrease was a small 3.6%, whereas the APIs was 17.0%.

September Portfolio Manager takes an even bigger share of investments — *September: Portfolio Manager takes an even bigger share of investments*.

*August: Portfolio Manager had the largest share of funding*.

September is the second consecutive month we’ve seen a decline in Go & Grow investments, but it was expected after the showstopping comeback of a 286.2% increase in July.

Automate your monthly payments with Go & Grow auto-transfer

We know you live a busy life and don’t have time to look at your investments every day. That’s why we’re always working to make your investment experience simpler and hassle-free. One of the ways we achieve this is with the Go & Grow auto-transfer feature.

When you enable Auto-transfer, it automatically invests any available money in Wallet into your Go & Grow account.* How neat is that! Now you won’t miss out on potential returns if you forget to add money to your Go & Grow account.

With Auto-transfer, your money works for you—automatically—in the best way possible. Want to start investing now? Read more about Go & Grow here.

*Please note: Even if there is more money available, Auto-transfer will only add money up until the Go & Grow payment limit amount.

Sustainability all the way

Bondora is focusing on long-term sustainability instead of rushing for exponential growth rates. The return of up to 6.75%* p.a. for Go & Grow continues to be a stronghold and flagship benefit for all investors to enjoy. We fully expect this to continue to be the case for the foreseeable future.

Read more about Go & Grow and other Bondora investment products here.

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.