Bondora Go & Grow Review (2026)

What Is Bondora Go & Grow?

Bondora Go & Grow is a hands-off P2P investment product offered by Bondora. Instead of picking loans, your money is automatically invested into a diversified pool of consumer loans managed by Bondora.

It is designed for investors who want simplicity and relatively stable returns, rather than maximum yield.

How Bondora Go & Grow Works

From a user perspective, Go & Grow works like this:

1. You deposit money.
2. Your money starts working immediately.
3. Returns accrue daily.
4. You can withdraw at any time (subject to platform conditions).

There is no loan selection, no risk profiles, and no active management required. This simplicity is the main reason Go & Grow is popular.

Returns: Stable, but Lower Than Alternatives

Bondora Go & Grow sits around 6%, which is attractive for a hands-off product but relatively low compared to higher-yield P2P options.

If your main goal is maximizing yield, platforms like IUVO and Mintos can offer opportunities above 10% on selected loans. The trade-off is usually higher risk, more variation, and more active decision-making.

Liquidity: How Fast Can You Access Your Money?

This is one of Go & Grow’s strongest points. Based on real usage:

• Deposits appear instantly in your Go & Grow account.
• Withdrawals have gone directly to a bank account without delay.
• No waiting for loan sales.
• No secondary market needed.

In normal conditions, the main downside is the EUR 1 withdrawal fee.

Important: Bondora can temporarily limit withdrawals in extreme conditions (this is stated clearly in their terms).

Risk: What You Should Actually Understand

Go & Grow is lower-risk compared to many P2P platforms, but it is not risk-free.

Key risks:

• Platform risk (you rely on Bondora).
• Economic downturns can affect loan performance.
• Liquidity may be restricted temporarily.

This is not a savings account and should not replace an emergency fund.

Who Bondora Go & Grow Is Best For

Bondora Go & Grow makes sense if you:

• Want fully passive P2P exposure.
• Prefer stability over chasing high returns.
• Like instant deposits and simple withdrawals.
• Invest small to medium amounts regularly.

It works well as a P2P starter investment and as a diversification tool alongside ETFs or savings.

Who Should Avoid Bondora Go & Grow

You should skip Go & Grow if you:

• Prefer full control over selecting individual loans.
• Want higher-risk and higher-return strategies.

Pros & Cons Summary

Final Verdict

Bondora Go & Grow is one of the simplest and most user-friendly P2P investment products in Europe.

If you understand that returns are not guaranteed, liquidity is good but not absolute, and this is an investment rather than a bank product, then Go & Grow can be a solid, low-maintenance addition to a diversified portfolio.