Go&Grow Reviews 7,886

I don't have any problems, I trust them.

It’s simple to handle and with good profit

Its great to earn on your savings. So much more than on a regular account

Safe and profitable. What else!

Bondora has decided to screw over all their old customers with manual portfolios. They are closing their API access and the secondary market so you are left with no option other than to hold your portfolio until all individual loans are repaid, which could potentially take forever if loans default.

They say they give the option to convert your portfolio to the new Go & Grow account, but this is pretty much a lie, since they will only convert loans that perform perfectly, leaving you with a whole basket of loans that you can't do anything with. You can't sell them, even at a discount. You are just left holding a bag of crap.

As an investor, if you are looking for a reputable crowdlending site, I can only advice you to look elsewhere. Who knows how long their Go & Grow will continue to pay out at a rate of 6%, when they can just arbitrarily change terms with no discourse for investors. There is no transparancy with how much their portfolio is really earning compared to how much they are paying out to their Go & Grow investors. For all we know, it could be a complete Ponzi scheme, with not enough real earning loans backing the investments.

As of first of October 2025 they are closing the secondary market. You have the option to "Hold until maturity" your old investments which are stuck in recovery process without any progress in the last 5+ years anyhow, or put them into the dodgy go&"grow" only to get the message : "The offer could not be completed because you do not have any suitable investments.".

How they handled covid times showed me not to take them serious anymore, the constant update of "Terms of Use", and the hundreds of obvious fake 5 star ratings on Trustpilot is discouraging itself to further invest on this platform.
Investing in bonds in more straightforward than lending money into a cashdrag platform.

Almost 8 years I am investing now at bondora and I am totally satisfied with very good financial results especially the go&grow account.

My withdrawal rights have been revoked without any communication or explanation. I contacted them via email but have not received any response yet. I will update my review once this issue is resolved.

Easy to use, daily interest and lightning fast payouts. Transparency is still limited, but Bondora is publishing more and more information and is audited by external institutions.

An absolutely reliable and trustworthy investment platform. I made a few mistakes when transferring the initial amounts and thought the money was lost, but they immediately refunded me and patiently taught me how to properly complete the transfer. Fast withdrawals, great customer support. Earning 6% annually is an excellent return on investment!

The risk compared to the interesst is very low. If Bondora has troubles the withdraw process will be stopped - as seen during Covid.
They adjust the rules if they think it is beneficial for them. I have lost my trust. Now they earn a lot of interesst because of the spread between lender and investor. If the business get worst, the risk is at the investor and bondora has earn a lot during good time.

Opportunity to get a good investment and a good prise!

High liquidity, very simple, very good historic performance, payments every day

Low interest

Litle interaction, hide information about company like, where they invest, loans current, loans default.

You just see the general results and not specific, if they are more transparent about what are they are doing, it will let the investors with more confidence to trust in the team

Bondora-Go&grow is rather a scam, than a serious investment platform. After you send them some money, they made almost impossible to withdraw all your funds. You can't in fact withdraw any amount of your money, due to their "policy anti-moneylaundering", so-called verifying of your bank account, which is a very hard/impossible operation to do on the phone. An awful experience.

Important disclosure: After going back and forward with Bondora they did honor my referral payout as a good will gesture for pushing back at their shortcomings and I was able to withdraw all my funds without issue.

The reason I am still publishing this is I believe it to be in the public interest to do so

Update 30/06: This case has been passed onto the Finantsinspektsioon (Estonian Financial Regulator) for review

- - - - - - - - - - - - - - - - - - - - - - - - - - -

On the 6th May I signed up to Bondora Go and Grow through an influencer promoting the platform and its 6% interest through their referral link. At the time their link promised a €25 bonus for signing up so I signed up, followed all the required instructions, provided full KYC documentation etc all was fine

I saw the €25 bonus was applied to my account. brilliant, Or so I thought. I then went to try and withdraw not really expecting it to work and low and behold it didn't.

At this point I did some digging and found terms and conditions for their give €5 get €5 promotion, not the correct terms but the first and only terms I found on their website referring to a referral bonus which mentioned topping up the account with €50 or more within 30 days of signing up.

Again not the correct terms but no where on their website clearly labeled or referenced could I find terms for their give €25 get €25 referral promotion this influence was promoting.

So I follow the give €5 get €5 terms anyway and top up by the minimum and hold it for 30 days thinking even in the worst case scenario if I don't meet the full €25 referral bonus I'll still get the €5 bonus, or so I thought.

I start earning interest on my deposit at 6%, brilliant I think lets see how things go after 30 days.

Fast forward to 6th June 2025, I open my emails to find an email from Bondora with the subject line ' [Full Name], you can't afford to miss this' warning me 'Your trial offer expires in 7 days, after the trial period ends, the bonus added to your account by Bondora will be removed if you have not made an investment with a button to 'Invest Now'.

No where in this email do Bondora mention, how much I am supposed to have deposited, how long I am supposed to hold said deposits in the account before my bonus becomes withdraw-able.

At this point alarm bells ring because I have deposited all be it the amount for the give €5 get €5 referral terms because again they were the only terms I could publicly find clearly from their website.

So I ignore it thinking it was a mistake email, I have invested I should be ok, fast forward to 18th June 2025 I open my app to find my balance had dropped to the amount I deposited + interest minus the bonus so I think what the hell is going on.

At this point a few days later giving it a chance to self correct I reach out to customer service to query it.

I email them and receive an auto response as it happens to be a public holiday in Germany and they will get back to me tomorrow, No problem.

The next day I receive a response from a customer support rep basically telling me 'the referral bonus was a trial bonus credited to my account when you opened it. As the terms of the referral program were not fulfilled the bonus was taken back.

They also try to link me to the exact terms of the referral program unsuccessfully linking me to the wrong give €5 get €5 promotional terms the same ones I'd found online and linked in the dashboard not the give €25 get €25 one.

So I respond mentioning that the terms sent do not set out clearly the amount I needed to deposit to be eligible for the €25 bonus and how I had found the €5 terms and followed them depositing and holding that amount for the 30 days.

I mentioned how it felt it unfair that the bonus was removed as the terms were never clearly outlined and if they would consider giving me the smaller give €5 get €5 amount as a good will gesture as I did not believe they were not going to honor the €25 referral bonus at this time and were also going to charge me the €1 platform fee to get my money back out on top of everything.

At this point the customer service rep quite patronizingly outlined the give €25 get €25 campaign required a €500 deposit minimum sugguesting 'before you open an account you should always read the terms and conditions beforehand' something which in my case was impossible as the terms were no where clear and clickable on their website.

In the end after going back and forward with very questionable automated responses when requesting my complaint to be raised internally and advising them they had broken EU rules by failing to clearly show the terms at the time I signed up and I requested either the €25 referral bonus or the €1 platform fee be waived and in the end they gave the €25 referral fee.

Moral of the story don't back down and don't let them defeat you into silence, Bondora please use this to learn and improve your services in the future

Good experience, I already needed to redeem some money and it was immediately available. At the moment I continue to invest.

Please we are trying to contact you but it looks impossible we need to speak to 1 of your agents, please ! Patrick

Bondoras websites are not working if you apoly for loan, lazy bad company that wont even remove their servers that are down in finland, incompetent customer service that know nothing about technical stuff, the websites are not userfriendly and have constant errors, If i could i would give 0 stars.

Funds missing for weeks, poor customer service. Simply unbelievable.