P2P Platform

Bondora Review

Bondora Review: Is it good? Don't invest before you read this!

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A.H.Tammsaare tee 47, 11316 Talinn Estonia

Review result

4.0 of 5


Basic Information Basic Information

Founding Date:
March 2008
Funded Loans:
not available
Investor Protection:

Interest & Red Flags Interest & Red Flags

Minimum Interest Rate:
Maximum Interest Rate:
Average Interest:
Red Flags:

Loans Loans

Minimum Investment:
Minimum Investment Term (Months):
Maximum Investment Term (Months):
Loan Originators:
Payday Loans:
Personal Loans (Consumer Loans):
not available
Business Loans:
Real Estate Loans:
Other Loans:
not available
Worst Rating:
Best Rating:

Features Features

Manual Investing:
Automatic Investing:
not available
Buyback Guarantee:
Secondary Market:
not available
Tax Report:
not available
not available

Fees Fees

Investing Fee:
Deposit Fee:
Withdraw Fee:
Accounting Management Fee:
Secondary Market Selling Fee:
Secondary Market Buying Fee:

What is Bondora?

Infographic: how does Bondora work

Bondora is a P2P platform from Tallinn in Estonia, founded in 2009.

The P2P loans offered on the platform are brokered by the platform itself under the same name.

Since its inception, the platform has funded more than €650 million worth of P2P loans and is one of the larger P2P platforms in Europe.

How does Bondora make money?

Bondora makes its money mainly through interest income, commissions and other income from operations.

Since virtually no fees are charged to investors, this is the only source of income.

Who owns Bondora?

The exact ownership structure is not known.

However, we assume that the majority share is held by the founders Pärtel Tomberg, Mihkel Tasa and Martin Rask.

Other shares are held by Supervisory Board members Joao Monteiro, Mati Otsmaa, Phil Austern and by financial companies Valinor Management LLC from the USA and Global Founders Capital GmbH Co from Germany.

Bondora is officially supervised by the Estonian Financial Market Authority and has successfully funded loans on a very large scale.

For these two reasons mentioned above, we rate Bondora as safe and also assume a legal business model.

How does Bondora work?

To invest on Bondora, you must first register online and then deposit money via a bank transfer.

With your first deposit via a standard bank transfer, you also confirm the bank account to which withdrawals can be made.

After that you can start investing directly.

On Bondora you have to invest at least 1 € and you also have to keep in mind that you can only invest automatically.

While previously you could choose from the three investment programs Bondora Go & Grow, Bondora Portfolio Manager and Bondora Portfolio Pro, now you can only invest through Go & Grow.

Furthermore, you can invest on Bondora in two markets, the primary market (initial issuance of loans) and the secondary market (loans from other investors).

How can I invest on Bondora?

On Bondora, you cannot individually choose the loans you want to invest in. This is at least true for the primary market.

The situation is different on the secondary market, where you can choose the loans individually.

In the case of automatic investments, only Bondora Go and Grow (Unlimited) is now available. The other options are no longer offered.

Bondora Go & Grow is something special in our opinion. The program is also offered by iuvo under the name iuvoSave.

Simply put, Bondora Go & Grow is just about a very simple way to invest in P2P loans, where the money is available on a daily basis (except in exceptional situations). But for that, you have to accept a big discount in interest rates.

Bondora Bonus

If you want to get a bonus of €5 on Bondora, all you have to do is register for it via our bonus link*.

What are the warning signs to watch out for at Bondora?

Currently, we have not noticed any warning signals at Bondora.


Review result Review result

with all advantages & disadvantages

Safety (40.00%)


Gewichtigung: Age: 40.00%, Funded Loans: 40.00%, Regulation: 20.00%.

Age: 15 Years
5.00 / 5

The platform is older than 5 years. In the past, sudden failures of platforms that have been on the market for such a long time have occurred very rarely.

Funded Loans: €832,677,830.00
5.00 / 5

over-average over-average The platform has already financed many loans and was able to gain a lot of experience.

Regulation under-average
5.00 / 5

The platform is officially regulated, which greatly increases security.

Interest and Risk (40.00%)


Gewichtigung: Average Interest: 50.00%, Red Flags: 50.00%.

Average Interest: 6.75%
1.20 / 5

under-average under-average The average interest rate is very low compared to other platforms.

Red Flags: 0
5.00 / 5

over-average over-average The platform has no red flags that investors should pay attention to.

Features (20.00%)


Gewichtigung: Automatic Investing: 20.00%, Buyback Guarantee: 20.00%, Secondary Market: 20.00%, Tax Report: 20.00%, App: 20.00%.

Automatic Investing under-average
5.00 / 5
Buyback Guarantee under-average
0.00 / 5
Secondary Market under-average
5.00 / 5
Tax Report under-average
5.00 / 5
App under-average
5.00 / 5

Gesamtpunktzahl: 4.0 of 5

Hinweis: Although we take every care to ensure the accuracy of the information and the representative example, no warranty can be given with regard to the correctness, accuracy, timeliness, reliability and completeness of the content. All information is based on the available information from the provider.

Last updated on 22 July 2023