Featured partnerSign up to Lightyear and get up to €100 in a free fractional shareCapital at risk, terms apply. Seek guidance if necessary. Claim Up to €100 Capital at risk, terms apply. Seek guidance if necessary. - Go & Grow (formerly Bondora Go & Grow) is an automated lending product targeting up to around 6% p.a. for EU investors, fully hands-off and now a standalone brand.
- The target return is up to ~6% p.a. and is not guaranteed. Actual performance varies with loan defaults and market conditions, and no profit is guaranteed.
- Capital is at risk and there is no EU deposit guarantee. The product is not a regulated deposit, so this is not a savings account.
- You can start from €1, with a single €1 withdrawal fee and no management charges, plus a €5 welcome bonus when you keep at least €50 invested for the first 30 days.
Bondora Go & Grow has become one of Europe's most accessible automated lending products, offering EU investors a simple way to target returns without the complexity of selecting individual loans. With a target of up to around 6% in annual returns (not guaranteed), complete automation, and flexible access to your money, it positions itself as an alternative for part of a diversified portfolio. Capital is at risk, this is not a savings account, and there is no EU deposit guarantee. For protected cash, compare today's high-yield savings accounts in Europe.
We've thoroughly tested Go & Grow over several months to understand how it works, whether it delivers on its target, and if it's suitable for European investors seeking passive income. And yes, we do keep our own funds with them.
What we like about Go & Grow
After extensive testing, we found several standout features that make Go & Grow appealing for EU investors. The up to ~6% target return (not guaranteed) is relatively high for a hands-off product, while the complete automation removes the complexity that puts many people off picking loans manually.
The flexible-access feature is genuinely useful: you can request a withdrawal at any time without penalties, which is uncommon in this space. We tested several withdrawals during our review period and funds typically arrived within 1-2 business days as promised. It may not be possible to liquidate assets or withdraw money immediately from Go & Grow. In this scenario, we will make partial payouts of your total withdrawal amount.
The €1 minimum investment makes the platform incredibly accessible, allowing anyone to test it without significant commitment. We also appreciate the transparent fee structure with just a single €1 withdrawal fee, no management charges, and no hidden costs.
Bondora AS, which originates the loans, is licensed by the Estonian Financial Supervision and Resolution Authority. Go&Grow OÜ operates the investment product and is not a credit provider. Bondora dates to 2008, Go & Grow was released in June 2018, and the platform now reports more than €2.29 billion invested and about €205 million earned in returns.
- Up to ~6% target return. A relatively high target compared with many low-yielding options, though it is a target and not guaranteed.
- Fully automated. The algorithm allocates your money across many loans, so there is no manual loan selection.
- Flexible access. You can request a withdrawal at any time without penalties, subject to the liquidity terms below.
- Low entry point. The €1 minimum makes it accessible to test before committing larger sums.
- Transparent, simple fees. A single €1 withdrawal fee, no management charges and no hidden costs.
- Long operating history. Bondora dates to 2008, while Go & Grow was officially released in June 2018. The platform now reports more than €2.29 billion invested.
- Single asset exposure. You are limited to consumer-lending exposure, with no diversification into stocks, bonds or real estate.
- No control over selection. The automated approach means you cannot choose individual loans or set your own risk preferences.
- Credit risk and no guarantee. Returns are not guaranteed and capital is at risk if borrowers default; there is no EU deposit guarantee.
- Tax is your responsibility. Tax treatment varies by country and the product does not handle taxes for you.
What we don't like
You're limited to consumer-lending exposure with no diversification into other asset classes like stocks, bonds, or real estate. The automated approach means you have no control over loan selection or risk preferences, which some investors may find restrictive.
Returns are not guaranteed and your capital is at risk if borrowers default, with no EU deposit guarantee behind the product. Tax implications can also be complex depending on your country, and the platform doesn't automatically handle taxes.
ReputationWhat Go & Grow is known for
Go & Grow stands out for three key reasons: simplicity, flexible access, and consistency. Unlike picking individual loans and locking up funds for months or years, Go & Grow automates everything while letting you request a withdrawal at any time, subject to the liquidity terms.
The product is particularly popular among EU investors who want exposure to alternative investments without selecting loans themselves. Bondora started in 2008 and officially released Go & Grow in June 2018. The up to 6% figure remains a target, and past results do not guarantee that it will continue.
Go & Grow reports more than €2.29 billion invested and over 517,000 investors. That scale helps the operator manage a pooled portfolio and routine withdrawals, but it does not guarantee immediate access. The terms allow partial payouts when assets cannot be liquidated quickly enough.
Financial healthWhat the 2025 accounts show
Bondora Group's audited 2025 accounts show a profitable loan originator with strong cash generation. Revenue reached €62.7 million, net profit was €9.5 million, and operating cash flow came to €13.0 million. At year-end, the group held €20.4 million in cash and €27.5 million in equity, with no interest-bearing liabilities. KPMG issued an unmodified audit opinion. The full annual report is available here.
Those figures describe Bondora Group in 2025, before Go&Grow OÜ was separated from the group in 2026. They also exclude the consumer-loan claims sold to investors. The report supports Bondora's ability to originate and service loans, but it does not guarantee the value or liquidity of an investor's Go & Grow balance.
Management reported a €697 million loan portfolio and described €514 million as performing. The report does not publish a detailed arrears breakdown for the remainder. We also factor in the €200,000 fine issued to Bondora AS in April 2025 for responsible-lending breaches involving loans signed between December 2023 and February 2024. That fine is small relative to the group's finances, but it belongs in an assessment of underwriting and regulatory risk.
Welcome offerSign-up bonus
New investors receive a €5 welcome bonus when they create their Go & Grow account and keep at least €50 invested for the first 30 days. Note that under the bonus terms, the €5 can be clawed back if you withdraw within 180 days of it being paid out. It effectively covers the €1 withdrawal fee for your first transaction, making it easy to test the platform, though capital remains at risk.
At a glanceKey features and facts
How Go & Grow works
The concept behind Go & Grow is simple. When you deposit money, it is automatically allocated across a diversified portfolio of loans in several EU countries. You do not choose individual loans or set risk preferences. The allocation draws on Bondora's lending data dating to 2008.
Your investment earns returns daily, which are reinvested automatically to compound your returns. The product targets up to ~6% p.a. (not guaranteed), though actual performance can vary based on loan defaults and market conditions.
What sets Go & Grow apart is its flexible-access promise. You can request any amount at any time without penalties or waiting periods, and withdrawals are typically processed within 1-2 business days under normal conditions. It may not be possible to liquidate assets or withdraw money immediately from Go & Grow. In this scenario, we will make partial payouts of your total withdrawal amount.
The underlying loans have various terms, but the product maintains liquidity through a pool system and uses new deposits to fund withdrawals. This supports access that individual loans would not normally offer. In extraordinary circumstances, the platform may implement temporary partial payouts and split a withdrawal into smaller daily payments. Go & Grow says it has activated this mechanism once.
Fees and costs
Go & Grow keeps its fee structure simple and transparent. There are no management fees, account maintenance charges, or deposit costs. The only fee is a flat €1 charge per withdrawal, regardless of the withdrawal amount.
This means whether you withdraw €100 or €10,000, you pay just €1 in fees. This structure is particularly favorable for larger withdrawals compared to percentage-based fees.
The flat fee keeps costs predictable. Many robo-advisors charge 0.5-1% annually in management fees, which would cost significantly more than Go & Grow's single withdrawal fee for most investors over time.
ProtectionSafety and investment protection
Go & Grow uses a multi-layered approach to manage risk, though it's important to understand that no returns are guaranteed, capital is at risk, and there is no EU deposit guarantee. The protection comes from loan diversification, geographical spread across its active markets, active recovery processes, lending margins as buffers, and strict liquidity controls.
Your investment is automatically diversified across hundreds of thousands of loans in multiple countries, reducing individual borrower risk. When borrowers don't repay, Go & Grow follows a structured recovery process, working with professional debt collection agencies and escalating through local legal channels when necessary.
Investors legally own the loan claims, not Go&Grow OÜ. The claims should therefore remain outside the operator's bankruptcy estate. Insolvency could still disrupt servicing, delay recoveries, and create costs, while borrower defaults remain the investor's risk. There is no EU deposit guarantee.
The platform maintains segregated client accounts and follows strict verification processes. Bondora AS operates under the supervision of the Estonian Financial Supervision and Resolution Authority, with oversight also from the Latvian Consumer Rights Protection Centre.
Investment experience and returns
Setting up a Go & Grow account is straightforward and typically takes 5-10 minutes. The verification process requires a government ID and proof of address, with approval usually completed within 1-2 business days.
The platform interface is clean and intuitive, showing your current balance, accumulated returns, and recent transactions. There's also a simple calculator that shows projected returns based on different investment amounts and time periods.
Deposits can be made via bank transfer or card payment, with bank transfers typically taking 1-2 business days to appear in your account. The €1 minimum makes it easy to test the platform with a small amount before committing larger sums.
Go & Grow was officially released in June 2018. It has credited returns through several market cycles, although the up to 6% target is not guaranteed and can change.
Returns are credited daily and visible in your account balance, providing regular feedback on your investment performance. Monthly statements are automatically generated and available for download, making tax reporting easier in countries where you need to handle this yourself.
New, April 2026New in April 2026: Goals
In April 2026 Go & Grow rolled out a feature its community had been asking for: Goals. Inside a single Go & Grow account you can now create separate, named savings goals, each with its own target amount and optional target date. You can move money between goals at any time using the "Move money" function, and your entire balance keeps targeting up to 6% p.a. (not guaranteed) regardless of how it is split across goals.
There is no cap on the number of goals you can create and no extra fee for using them. The standard €1 withdrawal fee on the parent account still applies. Common use cases Go & Grow highlights are a trip fund, a new phone, or a rainy-day fund. For investors who previously used a single Go & Grow balance to track multiple savings purposes mentally, this is a meaningful upgrade.
How to get started
Getting started takes minutes. Here is the simple four-step process from sign-up to your first daily return.
Who Go & Grow is best for
Go & Grow works particularly well for EU investors who want:
- Conservative alternative investment exposure: the up to ~6% target return (not guaranteed) is attractive relative to many low-yielding options, while being more conservative than stock-market investing.
- Simplicity over control: if you prefer automated investing without researching individual loans or managing a portfolio, Go & Grow handles everything for you.
- Flexible access: you can request your money at any time without penalties under normal conditions, subject to the liquidity terms.
- Small starting amounts: the €1 minimum makes it accessible for investors who want to test the product without significant commitment.
- Passive income generation: the daily return crediting and automatic reinvestment make it suitable for set-and-forget investing.
The product is best treated as a small allocation within a broader diversified portfolio, by investors who understand and accept that capital is at risk. When that portfolio is spread across brokers, Snowball Analytics can show a Go & Grow balance in the same dashboard as those accounts.
VerdictFinal verdict
Go & Grow delivers on its promise of simple, flexible automated lending for EU investors. The product combines an up to ~6% target return (not guaranteed) with genuine flexibility of access in a way that few hands-off options match.
We found the automated approach removes the complexity that puts many people off picking loans, while the €1 minimum and flat withdrawal-fee structure make it accessible and cost-effective. The regulatory foundation and legal structure provide reasonable protection, though investors must understand that returns aren't guaranteed, capital is at risk, and there is no EU deposit guarantee.
The main drawbacks are the concentration in a single asset type, limited diversification, and the inherent credit risk of consumer lending. For investors seeking a hands-off option as part of a broader portfolio, Go & Grow can deliver good value.
With the €5 sign-up bonus and minimal investment requirement, it's easy to test the platform with limited commitment. For EU investors seeking passive income with flexibility, Go & Grow is one of the more accessible options in the alternative-investment space, provided you understand and accept the underlying risks.
VideoCEO interview: inside Go & Grow's strategy
To get deeper insights into Go & Grow's approach and future plans, we recommend watching this interview with the company's CEO, which covers the platform's strategy, market outlook, and plans for European expansion:
The interview provides valuable context about how Go & Grow manages risk, selects borrowers, and maintains the flexible access that makes the product possible.
FAQFrequently asked questions
Your investments are protected even if Go&Grow OÜ becomes insolvent. Investors legally own the loan claims, not Go&Grow OÜ, so your investments remain yours and are not part of any bankruptcy estate. However, this does not protect against the underlying credit risk of borrowers defaulting, and there is no EU deposit guarantee.
Yes. Go & Grow carries credit risk and capital is at risk. If loan defaults exceed expectations, returns could fall below the up to 6% target and losses are possible. The product was released in June 2018, but past results do not guarantee future performance.
Under normal conditions, withdrawals are typically processed within minutes up to a few hours. It may not be possible to liquidate assets or withdraw money immediately from Go & Grow. In this scenario, we will make partial payouts of your total withdrawal amount. This has only happened once in Go & Grow's history.
The current terms generally allow adult permanent residents of the European Economic Area or Switzerland who hold an eligible bank account in their own name. Go & Grow can also approve other users separately, so check the sign-up flow for your exact eligibility.
Investors need to report returns as income according to their local tax laws. The platform provides monthly statements to help with tax reporting, but does not withhold or file tax on your behalf.
Featured partner: Capital at risk. Provider of the investment services is Lightyear Europe AS for the EU. Terms apply: lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice. Sponsored Link.
