P2P Platform

Bondster Review

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

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U Libeňského pivovaru 63/2, 8 - Libeň 181 00 Praha Czech Republic

Review result

4.2 of 5


Basic Information Basic Information

Founding Date:
June 2014
Funded Loans:
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:
not available
Personal Loans (Consumer Loans):
not available
Business Loans:
not available
Real Estate Loans:
not available
Other Loans:
not available
not available
Worst Rating:
Best Rating:

Features Features

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

Fees Fees

Investing Fee:
in € kostenlos, sonst 1 %
Deposit Fee:
Withdraw Fee:
Accounting Management Fee:
Secondary Market Selling Fee:
Secondary Market Buying Fee:

What is Bondster?

Infographic: how does Bondster work

Bondster is a P2P platform from Prague in the Czech Republic, founded in 2017.

It brokers P2P loans between investors and loan intermediaries (loan originators), who have no economic connection with the platform.

Since the platform only offers loans from intermediaries, it is also called a P2P marketplace.

Since its inception, the platform has funded more than €155 million worth of loans and is one of the small P2P platforms in Europe.

How does Bondster make money?

Bondster makes its money through fees charged to investors and to loan brokers.

Who owns Bondster?

Bondster is owned by the private equity company CEP Invest Private Equity.

Bondster is regrettably not regulated by an official financial market regulator, which typically dispels any doubts about its safety.

However, since the platform has been able to finance loans worth more than €155M since its inception, there is no doubt on our part about its safety and legality.

How does Bondster work?

Before you can invest on Bondster, you must first register and deposit money into your account via a bank transfer.

Furthermore, with your first transfer you also confirm the bank account to which you can withdraw money in the future.

Bondster only requires a minimum investment amount of 5 €, otherwise you do not have to observe any other conditions.

And it is up to you whether you want to invest manually or automatically.

There are two markets available for investing on the platform: The primary market (initial issuance of loans) and the secondary market (loans from other investors).

How can I invest on Bondster?

On Bondster you can choose each loan you want to invest in individually.

This can make sense especially in the beginning if you want to invest your amount quickly.

In addition, you can use the secondary market if not enough loans on the primary market meet your expectations.

With the Auto Invest function you can automatically invest in the offered loans.

It is convenient that you can either choose from preset strategies or create your own strategy.

The preset strategies differ in return and risk and you can choose from:

  • Diversified,

  • conservative and

  • High-yield.

If you don\'t like any of the strategies, you can create your own strategy with different settings.

The most important ones in our opinion are:

  • Investment per loan,

  • interest rate,

  • country,

  • Credit intermediary (provider),

  • loan type and

  • Buyback Guarantee.

Overall, we find Auto Invest a bit overloaded and beginners will probably be overwhelmed.

However, we like the fact that Auto Invest can be used for both the primary and secondary market.

Only a few platforms offer this, which includes Mintos, for example.

What are the warning signals to watch out for with Bondster?

At the current time, we have not noticed any warning signals with Bondster.


Review result Review result

with all advantages & disadvantages

Safety (40.00%)


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

Age: 9 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: €199,875,485,911.00
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
0.00 / 5

The platform is not officially regulated. This means the platform is not subject to ongoing monitoring by an independent third party.

Interest and Risk (40.00%)


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

Average Interest: 13.60%
4.26 / 5

over-average over-average The average interest rate is comparatively much higher than 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
5.00 / 5
Secondary Market under-average
5.00 / 5
Tax Report under-average
5.00 / 5
App under-average
0.00 / 5

Gesamtpunktzahl: 4.2 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