Last updated: 8 October 2026. Written by Sal Cocurullo, Bondora investor from 2016 to 2023.
The 5€ Bondora promo code: it is already included in my Go & Grow link. Sign up through it and Go & Grow adds €5 to your account. Keep it by depositing at least €50 within 30 days. Go & Grow, the new name of Bondora’s investment product, pays up to 6% a year, credited daily, with a €1 fee per withdrawal. Capital is at risk: there is no deposit guarantee.
| Go & Grow at a glance | My verdict |
|---|---|
| Best for | Savers who want a hands-off P2P product with fast access to cash |
| Not for | Anyone who needs capital protection or bank-like guarantees |
| Return | Up to 6% p.a., credited daily, not guaranteed |
| Costs | €0 to invest, €1 per withdrawal |
| Minimum | €1 |
| Welcome bonus | €5 for new investors who deposit €50 or more within 30 days |
| Main risks | Platform risk, credit risk, partial payouts during market stress |
| Overall | A simple cash-parking tool for a small slice of a portfolio |
Affiliate disclosure: RevenueLand earns a commission if you open an account through my link, at no extra cost to you. This does not change my assessment.
Capital at risk. Go & Grow is not a savings account. The 6% is a target rate, not a guarantee.
Go & Grow return simulator
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Simulation only. It assumes a constant rate with daily compounding, monthly deposits and no withdrawals. Real returns can be lower. Capital at risk.
Go & Grow €5 Welcome Bonus: How to Get It
The Bondora promo code is built into the sign-up link. Go & Grow adds €5 to every new investor who registers through it. The bonus stays locked for 30 days and depends on your first deposit.
| Step | What happens | When |
|---|---|---|
| 1. Sign up and verify | €5 is added to your Go & Grow account, not withdrawable yet | Day 0 |
| 2. Deposit | Add at least €50 | Within 30 days of registering |
| 3. Balance check | Balance of €55 or more: the bonus becomes withdrawable | Day 30 |
| 3b. Balance check | Balance below €55: the bonus is removed | Day 30 |
The €5 is a small welcome gift. It should never be the reason to invest. Conditions are taken from the Go & Grow partner terms, checked on 8 October 2026.
Bondora Is Now Go & Grow
Go & Grow is the new name of Bondora’s investment product, on goandgrow.eu. The product and the 6% target did not change. Bondora AS still issues the loans. If you searched for “Bondora”, you are in the right place.
Is the company behind it safe? I answer that in my Bondora review after 7 years as an investor, with the legal entities, the 2025 results and what happens if Bondora defaults. This page focuses on how Go & Grow works and whether it is worth it.
How Go & Grow Works
You deposit money and Go & Grow invests it automatically. Your money buys small fractions of thousands of consumer loans. You do not pick loans or change settings. Returns are credited every day.
| Feature | Go & Grow |
|---|---|
| Target return | Up to 6% p.a., credited daily |
| Minimum investment | €1 |
| Fees | €0 to invest, €1 per withdrawal |
| Loan countries | Estonia, Finland, Netherlands, Spain, Latvia |
| Liquidity | Usually 1 to 3 business days; partial payouts possible |
| Secondary market | None |
| Product launched | 2018 |
| Investors | Over 516,000 (Go & Grow statistics, July 2026) |
| Loan concentration | 65.4% of new Bondora loans in Finland (July 2026) |
| App | iOS and Android |
Affiliate link. Capital at risk. Read the Go & Grow risk statement before investing.
Go & Grow Risks: What Can Go Wrong
Go & Grow is not a bank deposit. No deposit guarantee scheme covers your money. Three risks matter most: credit, platform and liquidity.
| Risk | What reduces it | What it means for you |
|---|---|---|
| Credit risk | Diversification across thousands of loans in five countries | Many defaults in a recession can hit returns |
| Platform risk | Long track record since 2008 | Your return depends on one company group |
| Liquidity risk | Partial payout system | Withdrawals can take longer in a crisis |
| Regulatory risk | Loans issued by a licensed credit provider | Go & Grow itself is not a bank or a deposit |
| Capital loss | Nothing: no deposit guarantee | You can lose part or all of your money |
Partial payouts are written in the terms. Go & Grow explains them on its help page on partial payouts. In spring 2020 some investors received their money in parts over several weeks. For a wider view, read how safe P2P lending really is.
My Experience with Bondora (2016 to 2023)
| Period | What I did | Result |
|---|---|---|
| 2016 onward | Portfolio Manager and Portfolio Pro, single loans | 9% to 20% net in my best years |
| From 2018 | Go & Grow next to Portfolio Pro | Steady daily returns, fast withdrawals |
| 2023 | Bondora closed my account after a KYC issue | All funds and interest returned to my bank |
Bondora always paid me, from 2016 to 2023, and returned every euro with interest. My main criticism stays the same: Go & Grow is a black box. You do not see which loans sit inside your balance. Bondora Group reported a €9.5 million net profit in 2025, its ninth profitable year in a row.
Fees, Withdrawals and Taxes
| Item | Detail |
|---|---|
| Deposit fee | €0 |
| Withdrawal fee | €1 per withdrawal, any amount |
| Withdrawal time | Usually 1 to 3 business days |
| Deposit methods | Bank transfer or card |
| Tax | Interest is taxable in your country of residence |
| Withholding | No tax withheld; you declare the interest yourself |
Each country taxes P2P interest differently. Check the rules of your tax office before you invest larger amounts.
Go & Grow vs Alternatives
Go & Grow sits between a savings account and an active P2P marketplace. It pays more than most savings accounts, with less work than picking loans yourself.
| Feature | Go & Grow | Mintos | PeerBerry | Savings account |
|---|---|---|---|---|
| Return | Up to 6% | 9% to 11% | About 11% | Below 2% |
| Liquidity | 1 to 3 days | Secondary market | At loan maturity | Instant |
| Deposit guarantee | No | No | No | Yes, up to €100,000 |
| Automation | Full | Partial | Partial | Not needed |
| Licence | No | MiFID II, Latvia | No | Bank licence |
| Minimum | €1 | €50 per loan | €10 | Varies |
For higher returns with more control, see my Mintos review with my €54,481 portfolio or the Debitum review for business loans. I compare the main platforms side by side in Mintos vs Go & Grow vs PeerBerry and in my ranking of the best P2P lending platforms in Europe. If you need full protection, start from the best high yield savings accounts in Europe.
Should You Invest in Go & Grow?
| Go & Grow fits you if | Skip it if |
|---|---|
| You want a hands-off product | You need capital protection |
| You value fast access to cash | You need the money at a fixed date |
| You accept up to 6% for less effort | You want to see every loan you fund |
| You keep it to a small part of your portfolio | It would hold most of your savings |
My view: Go & Grow works as a parking spot for spare cash. I would not use it as an emergency fund or as a savings account replacement.
Affiliate link. Capital at risk. Go & Grow is not a savings account and is not covered by any deposit guarantee scheme. The 6% return is a target rate. This content is for education only, not financial advice.
Frequently Asked Questions
Is there a Bondora promo code in 2026?
Yes, it works through a link. Sign up with my Go & Grow link and €5 is added automatically. There is nothing to type at registration.
How do I keep the Bondora €5 bonus?
Deposit at least €50 within 30 days of signing up. If your balance is €55 or more on day 30, the bonus becomes withdrawable. Below €55, Go & Grow removes it.
Is Go & Grow safe?
It is diversified across thousands of loans, but there is no deposit guarantee. Your capital is at risk, and withdrawals can slow down in a crisis.
How fast can I withdraw from Go & Grow?
Usually within 1 to 3 business days, with a €1 fee. During market stress, Go & Grow can pay you in parts.
Is the 6% return guaranteed?
No. Up to 6% is a target rate. Go & Grow can change it if loan performance changes.
Which countries are the Go & Grow loans from?
Estonia, Finland, the Netherlands, Spain and Latvia.
Do I pay tax on Go & Grow interest?
Yes. Interest is taxable in your country of residence. Go & Grow does not withhold tax for you.
I was planning in joining Bondora, this new feature was the final push!
Let’s see how success I will get now :)
how to migrate from Go&Grow back to Portfolio Pro?
Welcome! Nice question! If I’d need to migrate from my Go&Grow to Portfolio Pro I’d just sell my Go&Grow, since liquidity is guaranteed there. What I would absolutely do beforehand is: 1- Suspend any active auto-withdrawal. 2- Suspend Portfolio manager if running (if you see ⏸ it is running, if you see ▶️ it is paused). 3- Start a good Portfolio PRO!
by “sell my Go&Grow” you mean to withdrawal to bank? (I do not see another ‘sell’ function)
it’s not possible to transfer funds from Go&Grow account to Main account?
P.S: I followed all three steps
I’m doing fine with go&grow, I know I can make 10% instead of 4% blablabla but I am lazy, ok
WIth goegrow I don’t pay tax until I cash out in my country that is why it is better of anything else for me. follow me
Started last year after reading this post.
Promise kept.
4% before tax per year, that is good.
Just started go e grow. The interface says 10k will become 36k in 20 years. I will keep you updated
30k on go &. grow after 16 months have become 32,700€. promise delivered
This go e grow is doing its job. 6,75 no questions. I invested 9000, I will add more next year.How much do you invest
Para curiosos, partilho também a minha opinião. Os meu resultados com 3 meses de bondora
I keep my spare cash on bondora since 2019. 1€ withdrawal fee to cash out is ok, I cash out less often and it’s ok.
What is safer? Go & Grow or the other portfolio?
I’d say that a well thought setting on the bondora portfolio pro may be a safer option in 2020.
I am a Bondora investor it is all fine, but I still consider p2p a high risk game
Can I have bondora go grow and also the portfolio Pro together?
Sure, I do.
I signed up but did not find the push to deposit some money yet.
Can I use a credit card and deposit as little as 100€?
I did it some years ago. I used my credit card to add money to bondora go & grow
Solid 4% since 2019. All true.
I guess there is risk but this is money I can lose and that are growing fast.
Register here to get 100€ immediate bonus