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Bondora Go & Grow: Investing Made Effortless for Everyone


Bondora Go & Grow: Investing Made Effortless for Everyone

Published October 28, 2025 · My Passive Income

Bondora Go & Grow is designed to remove friction from investing. With daily growth, instant access to funds, and a simple experience built for real people (not just finance pros), it’s one of the easiest ways to start growing your money online.

Investing, Simplified

In a world where traditional investing often feels complex and intimidating, Bondora Go & Grow stands out as one of the most straightforward ways to grow your money online. Built for both beginners and seasoned investors, the platform allows users to earn up to 6%* annual return, with daily growth and instant access to funds.

No complicated settings. No hidden fees. No waiting months to withdraw your money. Go & Grow turns investing into something almost effortless: you deposit, you watch it grow, and you stay in control.

How Go & Grow Works

The idea behind Bondora’s Go & Grow is simple: you deposit money, and Bondora automatically diversifies it across thousands of loans issued to borrowers across Europe. Your earnings accumulate daily and can be withdrawn at any time, giving you both liquidity and predictability — a mix that’s rare in traditional P2P lending products.

Key benefits include:
  • Target return: up to 6%* p.a.
  • Instant withdrawals
  • No lock-in period
  • No management or withdrawal fees
  • Low minimum investment – start with just €1

Go & Grow was designed for people who want to build a long-term passive income stream without micromanaging investments every single day.

Who Is It For?

Bondora Go & Grow is ideal for:

  • People new to investing who want a safe, simple way to start
  • Experienced investors looking for a low-effort, low-volatility component in their portfolio
  • Anyone frustrated with traditional savings accounts that pay almost nothing

Whether you’re saving for travel, your first home, or long-term financial security, Go & Grow offers a practical, digital-first way to build towards those goals.

Transparency and Trust

Founded in 2008 and based in Estonia, Bondora is one of Europe’s longest-running peer-to-peer lending platforms. With more than €900 million invested and over 180,000 investors across 40+ countries, Bondora has built its reputation on transparency, simplicity, and reliability.

Every Go & Grow investor gets access to a clear dashboard showing:

  • Daily earnings
  • Total balance
  • Deposit and withdrawal history

This level of visibility makes it easy to understand how your portfolio is doing at any moment — without spreadsheets or manual tracking.

Why Investors Choose Go & Grow

Bondora’s mission is to make investing as effortless as possible. Unlike traditional P2P platforms, you don’t select individual loans or manage risk manually. The system does the heavy lifting for you, while you benefit from stable daily growth.

Go & Grow combines:

  • Automation – Bondora’s allocation engine puts money to work efficiently
  • Flexibility – withdraw anytime, with no penalties
  • Growth – daily returns that compound over time

It’s one of the closest real-world versions of “set it and forget it” investing, while still keeping your money accessible.

🎁 Investor Welcome Bonus

New investors receive a €5 welcome bonus automatically in their Go & Grow account after signing up. It’s a simple boost to help you get started.

How the bonus works:

  • A €5 bonus is added automatically to a new investor’s Go & Grow account after sign-up, but it cannot be withdrawn during the first 30 days.
  • To keep the bonus, the investor must deposit at least €50 within 30 days of registering.
  • After that period, if the account balance is below €55 (€50 deposit + €5 bonus), the bonus will be removed.
  • If the balance is €55 or more, the bonus becomes withdrawable — it’s yours.

In practice, this bonus encourages you to build a real starting position instead of just “testing with €1 and forgetting about it.” It rewards commitment and momentum.

Final Thoughts

In an age of financial noise and complexity, Bondora Go & Grow represents a refreshing return to simplicity. It’s an accessible way for anyone — from students to professionals — to start building wealth without needing to become a finance expert.

*Go & Grow is not a guaranteed investment product, and returns may vary. Capital at risk.

Whether you’re just getting started or you’re looking for a stable, easily manageable component in your portfolio, Go & Grow sits right between traditional saving and modern investing: simple, digital, and built for real life.

⚠️ Affiliate Disclosure

Some of the links on this page are affiliate links. This means that if you sign up or invest through them, I may receive a small commission — at no extra cost to you.

These commissions help support the site and allow me to continue publishing free educational content about personal finance, passive income, and investing.


© 2025 My Passive Income

Why you should consider investing in Bondora Go and Grow

Bondora Go&Grow

Bondora Go And Grow

Bondora was founded in 2008 and is one of the oldest and most trusted peer-to-peer platforms on the market. Until a couple of months ago, the only way to invest your money with Bondora was by investing in consumer loans directly through Portfolio Pro or their Portfolio Manager.

In May 2018, Bondora released Go & Grow. The big advantage of Go & Grow compared to other crowdlending offers is that you can access your money at any time, which is not possible if you’re lending your money out on other platforms (although you might be able to sell loans on the secondary market). Bondora automatically invests your money into a well-diversified bucket of tens of thousands of different loans across all credit ratings (AA-HR).

If you invest for the first time at Bondora don’t forget that you can get € 5  signup bonus for your first investment, more details HERE.

What is Go & Grow?

Go & Grow works as easily as (if not easier than) traditional investment methods whilst giving you an impressive return of 6.75% p. a. You simply add money to the account, then you can view and track your return on a daily basis. What’s more, there is no minimum term to hold your investment— meaning you can liquidate your account with ease.

A fundamental difference between Go & Grow and the products of other peer-to-peer lending platforms is the liquidity. If you’re looking for a short-term product in which you can liquidate your investment quickly, this is difficult to do with other existing platforms.

Reasons to use Go & Grow

The P2P industry has gained enormous popularity over the past few years. However, some investors have felt excluded from the incredible opportunity due to thinking they lack enough experience. No matter your experience level, Go & Grow offers market-leading benefits for all:

  • 6.75% p.a. return
  • Faster liquidity, meaning you can cash out your investment with minimal effort
  • Lower risk than other existing products, achieved via a diversified portfolio of investments backed by advanced and reliable technology
  • You only pay taxes when you make a withdrawal over your initial capital investment
  • There is a flat withdrawal fee of €1, regardless of the size of the account
  • No annual management fees
  • Share your account access and invest with people you trust to achieve a common goal
  • Ideal for beginners, as no previous investment experience is necessary
  • Automated features

A very important aspect for Bondora Go & Grow and which is not explained very clearly is that INTEREST is added DAILY to your account, so you do not have to wait a certain amount of time to benefit from the growth. This way, within a short period of time, you can clearly see the progress you are making towards your goal and how much Bondora has contributed to your total progress.

Other features of Bondora’s Go&Grow

  • Invite the people you trust: you can invest in cooperation with your friends and family members. To add authorized users to your Go & Grow account, click on the blue arrow in the upper right-hand corner of your account next to the settings wheel. You will then see the option “Invite to Go & Grow” appear. Once you click on this, enter the name and e-mail address of the person with whom you want to start investing. You can also select whether you want to grant this person the authority to withdraw from the account. You should only enable this feature for the people you trust.
  • Sub-accounts: you can create multiple accounts within Go & Grow (or “sub-accounts”) which will be independent of one another.
  • Setting goals: you can set goals for each sub-account within Go & Grow. You enter your starting capital amount, the amount you plan to invest monthly, and the duration of time for which you plan to invest. Bondora then combine this with the offered return rate to give you the “potential gain” figure.

 

Bondora today launched its “Go & Grow” program for all users

Bondora logo

Bondora today launched its “Go & Grow” program for all users on the platform and for new users, offering a return of over 6% per year and the ability to liquidate the investment instantly, thus providing a new tool that has never been met at any  peer-to-peer platform, to have almost instant access to the investments made and a much higher return than the bank deposits (similar to the liquidity of this investment facility).

Go & Grow is an incredibly simple and automated service that allows you to earn 6.75%* p.a. on your investment and take your cash out at any time. This is for the people who want low risk and ‘no-hassle’ investing with a predictable net return.

The main benefits of Go & Grow is that you can withdraw your funds at any time. You can set up a new account and call it a unique name, whether you’re using Go & Grow for your new dream home, your emergency fund or enev for that trip to Asia you’ve always wanted to do.

You can share acces to your Go & Grow account with someone you trust. Once you have created your own account, simply select “Invite to Go & Grow” then add their name and email address. You also have the option to give this person the authority to withdraw from the account, but this is not mandatory.

What are the benefits?

  • 6.75%* yield
  • Instant liquidity
  • Low risk –  A diversified portfolio of investments supported by advanced and reliable technology
  • You only pay tax when you make a withdrawal over your capital amount invested

Additional benefits?

  • Transfer your existing Bondora investment portfolio to Go & Grow
  • You can set up an auto-transfer from your existing portfolio to Go & Grow
  • A flat €1 withdrawal fee, no matter the size of the account
  • Great for beginners
  • No annual management fees
  • Share access to your Go & Grow account with the people you trust

How to transfer the existing Bondora investment portfolio to Go & Grow?

All you need to do is create a new Go & Grow account, then click on the small settings icon an click on “Add existing investments”. Then you will receive an offer from Bondora to liquiidate your existing portfolio based on the current portfolio value, however, it may be at lower amount. If you accespt, Bodora will transfer your portfolio to Go & Grow.

Is the rate of 6.75% guaranteed?

The rate is not guaranteed, however, the average net return on the Bondora platform is much higher than this. With this and our 10-year track record in mind, we’re confident the rate of 6.75%* is achievable with the benefit of instant liquidity to investors.

The net return is capped at 6.75%* – all excess returns over this percentage are reinvested to ensure you can earn the rate of 6.75%* going forward, despite there being no guarantee in place.

How investors will be taxed for this?  

You only pay tax on the money you withdraw which is over the total amount you have paid in. For example, if you invest €1,000 then anything you withdraw up to €1,000 is considered as a principal withdrawal, anything above €1,000 is considered as interest.

All payments made to your Go & Grow account are regarded as one investment, although the funds have been used to acquire individual claims. This is irrespective of when and in how many parts you paid cash into your Go & Grow account.

Bondora “Go & Grow”, announced a long time ago, was reserved for a number of existing investors. There’s been a huge amount of excitement around this product within the P2P community. As it stands, approximately 1,000 investors have deposited an average of € 1,000 each in their Go & Grow account.

The best part? You do not need any prior experience in investing or P2P to use Go & Grow, so whether you’re a retiree living in the Estonian countryside or an 18-year-old student in Berlin who’s new to the world of investing, Go & Grow is for you.

What’s more, you can invite someone you trust to join your Go & Grow account with you so you can invest for a shared goal, like a trip around the world, a wedding or even your child’s future.

 


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