Go&Grow Reviews 

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.

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.

Hello it is so cheap service guys I payed already my payment why I m keep getting email that I didint pay it yet I send my Bank that I already payed but no one response emails already 1 week I send many it’s soo poor service why ??i m not asking much I ask I can not open my acount I ask help no one reply???is that how bandora treat the customer??what do I have to do that you guys can help to come to Estonia ??

The best bank ever for your savings

Very good. I've been investing with Bondora for more than three years now and haven't had any problems. Interest is credited everyday and withdrawings, when needed, were immediate. I recommend.

I can only speak for the Go & Grow product, since that is all I Invested in so far. I started investing over years ago, in 2019, and all experiences so far have been positive.

Yes, during the early days of COVID there was a phase where payouts did not happen super fast - which was understandable though, I think. The requested funds were paid out to people in multiple parts, over a few days, which I think was a great way to ensure everyone gets at least some money right away! There was no money "lost" in that process.

The interest was always steady and transparent with Go & Grow and payouts have never been a problem so far.

Needed to withdraw 50% of my investment from Bondora, unfortunately I couldn't receive the SMS for the code, after contacting the support team they transferred the amount to my bank instantly, Great support from them, I have since topped up my bondora account, keep up the great work. Thanks

Eficiente!

ALWAYS OK !! I utilized from years !

Fraudsters

I sent money to start my account and they will not give it back to me

1. They said it was a modern bank (I.e monzo) and they could not confirm the payment came from me and thus cannot reflect the funds on my account or return it to me

They then said I need to use a traditional bank , transfer money to them using traditional bank and it should work

2. I used a traditional bank but but they still said they couldn’t verify me . I used all the correct details and sent evidence but still they are refusing to verify my account or send me back my money

Don’t waste your time

User friendly. Easy to use. I checked the calculations and they are correct

I agree with Benjamin Knopp below so I am reposting the first part of his review below. It is exactly experience as well-
Withdrawal Woes – From +18% to -1%

I had been invested with Bondora for several years. When I decided to withdraw my funds, I stopped reinvesting into new loans. Bondora warned that my returns would drop—but I never expected the complete nosedive that followed.

My returns plummeted from +18% to -1%, effectively wiping out years of gains. This suggests that the advertised returns are only achievable if you keep reinvesting. The moment you try to pull out, the reality sets in: liquidity is poor, and the system appears designed to penalize withdrawals.
Also they try and manipulate you on their website by making it awkward to withdraw your money.
Everything looks fine when you are putting money in BUT as soon as you try and withdraw your investment at all changes. It makes it look like a well organized scam.

they eat your money if you dont keep adding more

I can read my Bondora internet page in my lithuanian languange.
I like informatio in simple text in Bondora internet page.

they deliver what they promise. they have never failed me