What is Go & Grow?
Go & Grow, formerly Bondora Go & Grow, is an automated investment product in consumer loans, based in Tallinn and operating since 2018. You deposit money, Go & Grow buys you claims on loans made by Bondora AS, and your balance grows daily at up to 6% a year. Since Bondora closed its legacy secondary market and API on 30 September 2025, Go & Grow has been Bondora’s only product for retail investors.
When I joined in January 2026, the company I contracted with was Bondora Capital OÜ, part of the Bondora group, and my signed agreement still names it. The same company was renamed Go&Grow OÜ in April 2026 and has belonged to Go&Grow Holding AS, outside the group, since June 2026. Bondora AS, founded in Tallinn in 2008 and the group company that makes and services the loans, stayed in the group.
How does Go & Grow work?
Go & Grow sells you claims on consumer loans that Bondora AS made, and buys them back from you when you withdraw. Under the General Terms, a claim becomes yours when you pay for it and passes back to Go&Grow OÜ only once the company has paid you for it. You don’t see which loans you hold, and you can sell a claim only to Go&Grow OÜ, by withdrawing.
Bondora AS collects the borrowers’ repayments, and Go & Grow values your claims at least once a day. That value is the balance your account shows, and it’s the price you’re paid when you withdraw.
Go & Grow has no buyback obligation. What absorbs a borrower’s default before it reaches you is the margin between what the loans earn and your 6%, set out under Defaults and recovery.
Go&Grow OÜ earns by keeping what the loans earn above your 6%.
What you can invest in
Go & Grow offers one kind of investment, claims on Bondora’s consumer loans held in a single account, from €1. The claims are assigned to you directly rather than issued as securities, so no prospectus describes them and no custodian holds them. Every account gets a mix of loans as close as possible to the whole portfolio, by Go & Grow’s own risk statement.
What return can you expect on Go & Grow?
Go & Grow’s homepage advertises up to 6% a year, and my own Go & Grow account earned exactly that from January to October 2026.
What stands out about Go & Grow’s return is how exact it is, not how high. My balance was €1,044.71 after 274 days, which is €1,000 × 1.06^(274/365) to the cent, and a payout of €0.16 or €0.17 arrived on every one of those days. Counting the €5 welcome bonus as return on the €995 I paid in myself, the account returned 6.7% a year.
Go & Grow’s General Terms cap your return and promise no rate, and Go&Grow OÜ can lower the cap on 14 days’ notice. The 6% lasts only as long as the loans behind it earn enough above the cap to absorb their defaults. Money waiting to be invested earns nothing, but the risk statement says what the loans earn above 6% covers it first, and my account never showed a gap.
Go & Grow has the fourth-lowest Returns score of the 21 platforms I’ve reviewed, 2.6 out of 5. The score rests on what investors kept last year and this year, which the 6% cap holds down. The 6% pays you for a return that doesn’t vary, not for the risk in the loans behind Go & Grow, which Is Go & Grow safe? covers.
Returns projection
What might you earn on Go & Grow?
Go & Grow's current cap (6%)
€1,338
If the cap is lowered (5%)
€1,276
A constant yearly rate, which is what Go & Grow's daily payouts add up to, as they did in my account. Go&Grow OÜ sets the cap in its General Terms and can lower it on 14 days' notice. Your Go & Grow balance can lose value.
Is Go & Grow safe?
Go & Grow protects your money against Go&Grow OÜ’s own failure but not against losses on Bondora’s loans, which reach you once the margin absorbing them runs out. No financial supervisor regulates Go & Grow as an investment. No compensation scheme covers money on Go & Grow. No buyback obligation stands behind Go & Grow’s loans. The margin, what the loans earn above your 6%, is what the risk statement calls a buffer and “not a guarantee”. In Bondora’s loan data of 10 August 2026, which covers every Bondora loan rather than Go & Grow’s share alone, 26.5% of the outstanding principal sat on loans in default. The risk in the loans you hold remains fully yours.
Go & Grow has the second-highest Safety score of the 21 platforms I’ve reviewed, 4.2 out of 5. The score rests mostly on how Go & Grow is built, with your claims and cash held apart from Go&Grow OÜ’s own assets and defaults absorbed by the margin before your return, and partly on its record since 2018, which includes one period of partial payouts and no cut to investors’ balances that I found.
Is Go & Grow regulated?
No, Go & Grow isn’t regulated as an investment service by any financial supervisor. Go&Grow OÜ, the company you contract with, holds no financial licence and isn’t on Finantsinspektsioon’s list of licensed creditors, which names Bondora AS, the loan originator. Go & Grow’s own product page says it is “not a bank deposit or a regulated investment service” and that Bondora’s lending licences don’t make it one. A lending licence protects Bondora’s borrowers, not the people funding the loans.
Go & Grow’s product page also says Bondora’s Latvian lending operations are “licensed and supervised by Latvijas Banka”. Bondora AS’s Latvian lending licence, held since August 2023, was issued by the Consumer Rights Protection Centre, which licenses and supervises consumer lenders in Latvia that aren’t banks.
Go & Grow isn’t a bank, so money on Go & Grow has no deposit insurance. Its risk statement says no deposit guarantee or investor compensation scheme covers your investment.
What happens if Go & Grow fails?
Your loan claims and uninvested cash on Go & Grow stay yours if Go&Grow OÜ itself fails. A claim passes back to the company only when it has paid you, and your cash is held under a mandate that keeps it out of the company’s bankruptcy estate. The Terms of Use say a bankruptcy leaves the loan agreements valid, returns the money in your account, hands you the records of the claims you own and makes the price of your claims “immediately payable”, a right that is strong on paper and worth what the estate can pay. For the administration, the terms commit Go&Grow OÜ only to “reasonable steps” to arrange a transfer to another firm, and name none.
Uninvested cash on Go & Grow sits in a separate account at LHV Pank, an Estonian bank, where my own deposit went. The risk statement warns that part of that cash could be lost if the bank failed, though not the claims you own. At the end of 2025, when Go&Grow OÜ still belonged to the Bondora group, the group’s audited accounts kept €65.9 million of client money off the balance sheet.
If Bondora AS failed instead, Go & Grow’s risk statement says the servicing of the loans could pass to another servicer, which may take time and lower recoveries. The terms name no replacement.
Go&Grow OÜ itself is small. It reported a profit of €129,470 on €2.7 million of revenue for 2025, with €3.6 million of equity, nine employees and €2,500 of share capital, per its 2025 annual report. The Bondora group, which owned it until June 2026, made a profit of €9.5 million in 2025, up from €1.2 million in 2024. That profit stays with the group that owns the company servicing your loans, not with the company holding your contract.
Loan originators
Every loan behind Go & Grow comes from one loan originator, Bondora AS, which makes the loans and collects the repayments. In Bondora’s loan data of 10 August 2026, Finland held €437 million of the outstanding principal, Estonia €184 million and the Netherlands €110 million, with smaller books in Spain, Denmark and Latvia. The share of each country’s outstanding principal sitting on loans in default ran from 7.6% in Denmark to 97.3% in Spain, by my computation, with Estonia at 41.0%.
Bondora AS’s own 2025 accounts show a profit of €0.6 million on €62.3 million of revenue for 2025, after a loss of €1.0 million in 2024, and €5.2 million of equity. No document I found shows Bondora AS putting its own money into the loans alongside yours. It earns from the fees borrowers pay and from collecting their defaulted loans. With one loan originator, Go & Grow spreads your money across borrowers, never across loan originators, so Bondora AS’s lending and collection decide every euro of it.
Defaults and recovery
None of the defaults on the loans behind Go & Grow reached my account from January to October 2026.
Bondora publishes a loan-by-loan dataset of every loan since 2009 on Go & Grow’s statistics page, and Go & Grow says each account holds a mix as close as possible to Go & Grow’s whole portfolio, for which it publishes no separate default figures. In the dataset of 10 August 2026, by my computation, €208.6 million of the €786.1 million outstanding, 26.5%, sat on loans in default, which Bondora defines as more than 90 days late with the contract terminated. Another €106.9 million had been written off since 2009, 6.1% of all the principal Bondora had lent. Bondora expects to recover €667 to €689 of each €1,000 of principal that defaults over 10 years, per its transparency report of July 2026.
Bondora’s loan losses reach your Go & Grow account only after the margin. The risk statement says your claims have to earn more than 6% for you to receive 6%, that the difference absorbs losses first, and that only when it’s used up does your return fall below 6%, and after that your capital. The General Terms say the price you’re paid may be less than your balance and have you waive any claim against Go&Grow OÜ over it. I found no case of Go & Grow paying out less than a balance since 2018. What protects your balance from those defaults is the size of the margin, not anything the terms promise.
Conflicts of interest
Go & Grow has four conflicts of interest with its investors, set out in its terms and its ownership.
- Go&Grow OÜ keeps what the loans earn above your 6%. The General Terms let the company use that money “at its full discretion”, so the margin that absorbs defaults before your return is also its income, and no reserve fund set aside for you.
- Go & Grow and its loan originator answer to the same three largest shareholders. Go&Grow Holding AS and Bondora Group AS, which owns Bondora AS, had the same three largest shareholders in August 2026, per the Estonian register. The Terms of Use say the two companies being associated “does not constitute a conflict of interests”, and you waive any claim over it.
- Bondora AS is paid for collecting your defaulted loans out of what it recovers. Debt-servicing costs, Bondora AS’s own collection fees among them, can take up to 35% of the amount recovered on each claim before you’re paid, and Go & Grow can change those costs on 30 days’ notice.
- Go & Grow can change your terms on 14 days’ notice. You can refuse a change only by cancelling your agreement, which counts as a demand to be paid for everything you hold (closing your account), and in a payout queue that demand waits like any other.
How do you use Go & Grow?
You use Go & Grow in three steps, from signing up to having your money invested.
- Sign up with your email address, and change the temporary password Go & Grow emails you.
- Verify your identity with a photo ID, which Go & Grow requires before you can invest.
- Add money by bank transfer from an account in your own name at a bank in the EEA or Switzerland, which also verifies that account.
Go & Grow is tied for the second-highest Usability score of the 21 platforms I’ve reviewed, 4.0 out of 5. The score rests on Go & Grow investing every deposit automatically with nothing to set up, since it has a single product, and on the tax report you download from your account. You choose no loans, countries or risk levels.
Opening an account
Go & Grow verifies your identity and your bank account before you can invest. I signed up on 20 January 2026, and the onboarding was the least polished part of the whole experience. The sign-up email gave me a temporary password that I then had to change, instead of letting me set my own from the start, and I found the navigation less intuitive than on other platforms I use, nothing blocking but noticeably more friction.
The identity check on Go & Grow ran through Onfido from the dashboard. Go & Grow warned it could take up to 24 hours, and my confirmation arrived 3 minutes and 14 seconds after the welcome email, by the emails’ timestamps. The option to verify my bank account appeared only a few minutes after sign-up.
Deposits
Depositing on Go & Grow is free by SEPA bank transfer. The transfer goes to Go And Grow OÜ’s account at LHV Pank in Tallinn, with your investor reference, from a bank account in your own name. I sent €995 from my bank at 21:19 on 20 January 2026, and Go & Grow confirmed it the next morning at 07:19, about 10 hours later, in full and with no fees. With the €5 welcome bonus already in the account, I had €1,000 earning from day one.
Go & Grow’s General Terms set no maximum deposit, but its risk statement reserves the right to limit new money when there aren’t enough suitable loans to buy.
Auto-invest
Go & Grow invests every deposit automatically, with no settings to choose. When there’s more money than loans to buy, the General Terms can put new investors’ money first, and rank everyone else by how much of their account sits in cash.
Personal experience · The deposit surprise
There is no “invest” step on Go & Grow. My €995 went in automatically when it arrived, with no setup, no confirmation and nothing to click. That’s the whole point of the product, but it surprised me. If you’re used to platforms where deposited cash sits idle until you act, know that here the money starts working, and carrying risk, immediately. My first return arrived the next day.
Tax reports
Go & Grow provides a tax report to download from the Reports page of your account. My report for January 2026 listed the capital invested and withdrawn, withdrawal fees, realised profit, accrued interest and net profit, with the €5 welcome bonus as other income. Account statements download as Excel or PDF files.
Support
Go & Grow offers support by email, at support@goandgrow.eu, and through a help centre. No support contact of mine has tested either channel. The public pages list no phone number or chat as of October 2026.
How fast can you get your money out of Go & Grow?
You can withdraw your money from Go & Grow at any time for a €1 fee. Go & Grow aims to pay a withdrawal instantly. When there isn’t enough money to pay every withdrawal at once, Go & Grow pays everyone in equal daily parts with no end date. Go & Grow has no secondary market, so a withdrawal is the only way out.
Go & Grow has the highest Liquidity score of the 21 platforms I’ve reviewed, 4.5 out of 5. The score rests on withdrawals Go & Grow aims to pay instantly for a flat €1, against terms that switch to equal daily parts with no end date when the money runs short.
Withdrawals
Go & Grow withdrawals cost €1 each and go to the bank account you paid in from. Go & Grow and Estateguru are the only 2 of the 21 platforms I’ve reviewed that charge for withdrawals, as of September 2026. The product page says Go & Grow aims to “process withdrawals instantly”, with timing that depends on your bank and any extra checks, and the General Terms require the bank transfer to go out within one banking day once the price is payable, a promise no withdrawal of mine has tested yet. The risk statement, updated on 22 October 2026, says Go & Grow’s references to fast or instant withdrawals describe how they work “when sufficient funds are available” and are “not a promise of liquidity”.
When the claims of everyone withdrawing can’t all be sold at once, Go & Grow pauses all payouts and pays in parts. On every banking day at 10:00 Estonian time, the money available is split equally between everyone waiting, until every request is paid in full, and there’s no fixed date by which a withdrawal will be complete. Your unsold claims stay exposed to the loans’ risks while you wait, and the €1 fee is charged once, after the last part.
Go & Grow’s equal parts favour small accounts like mine. A €500 balance and a €50,000 balance receive the same euro amount at each payout, so small accounts get out of the queue first.
Go & Grow says it has used partial payouts only once in its history. That was in March 2020, when COVID-19 set off a wave of withdrawal requests and Go & Grow switched to partial payouts for several months. Withdrawals were never suspended outright, but “instant” became “installments” for a period.
Closing your account
You can close your Go & Grow account at any time by cancelling your Go & Grow agreement in your account, which counts as a demand to be paid for all your claims. If payouts are paused, that demand joins the same equal-parts queue as any other withdrawal, with no priority. Once the agreement has ended and your balance is below the minimum withdrawal amount, you end your user agreement by notice in your account. Without a valid bank account on file, Go & Grow keeps your money, without interest, until the legal limitation period runs out.
What fees does Go & Grow charge?
Go & Grow charges no fee to deposit by bank transfer or to invest, and €1 for each withdrawal.
Go & Grow fees and costs | Deposit fee | Free by SEPA bank transfer |
| Investment fee | Free |
| Early exit fee | Withdraw anytime the €1 withdrawal fee is the only exit cost · payouts can turn partial in stress periods |
| Withdrawal fee | €1 flat, no matter the amount you withdraw |
| Currency conversion | Not verified |
| Inactivity fee | Free |
| Withholding tax | 0% the platform withholds nothing, you declare the returns yourself |
Go&Grow OÜ keeps what the loans earn above your 6%, and debt-servicing costs can take up to 35% of what’s recovered on a defaulted claim before you’re paid, both set out under conflicts of interest. Of what you give up on Go & Grow, only the €1 withdrawal fee shows in the table above.
My Go & Grow statement shows no fees from January to October 2026, because I haven’t withdrawn anything.
Go & Grow’s €1 withdrawal fee is flat, so it weighs most on small withdrawals. On €50 it takes 2%, a third of a year’s return at 6%, and on my €1,044.71 a full withdrawal would cost 0.1%. Withdrawing in fewer, larger amounts keeps the fee small.
Pros and cons
What Go & Grow does well
- Defaults on Bondora's loans hit Go & Grow's margin before your 6%. Go & Grow's risk statement says your claims have to earn more than 6% for you to receive 6%, and the difference absorbs losses first. The same statement calls that margin "not a guarantee".
- Your loan claims and cash on Go & Grow stay yours if Go&Grow OÜ fails. A claim passes back to the company only when it has paid you for it. Uninvested cash sits in a separate account at LHV Pank, under a mandate that keeps it out of the company's bankruptcy estate.
- Go & Grow paid my account its 6% cap on every day from 22 January to 22 October 2026. My €1,000 grew to €1,044.71 by 22 October, exactly €1,000 × 1.06^(274/365) to the cent.
- Go & Grow's return accrues on every deposit from the day it arrives, with nothing to set up. My €995 arrived on 21 January 2026, and my €1,000 earned from that day, with its first daily return paid the next day. You choose no loans, filters or strategy.
Where Go & Grow disappoints
- Go & Grow can pay withdrawals in equal daily parts with no end date. If the money coming in can't cover every withdrawal, payouts stop and resume in parts each banking day, with no date by which you're paid in full. Go & Grow says this has happened once.
- Nothing insures your money on Go & Grow. Its own risk statement says no deposit guarantee or investor compensation scheme covers losses on your claims.
- Go & Grow pays you at most 6%, whatever the loans earn. Go&Grow OÜ keeps whatever the loans earn above the cap, and its General Terms let it lower the cap on 14 days' notice.
- Every Go & Grow withdrawal costs €1. On a €50 withdrawal that's 2%, a third of a year's return at 6%.
Who should use Go & Grow?
Go & Grow suits investors who want money earning from the day it arrives without choosing any loans, and who won’t need it back on a fixed date.
Go & Grow suits:
- Investors who want every deposit earning from the day it arrives, with nothing to set up
- Investors who don’t want to pick loans or watch loan originators
- Beginners who want to start small, since the minimum is €1
- Investors who prefer a steady return of up to 6% to a higher, less predictable one
- Smaller accounts, which get out of a payout queue first because Go & Grow pays equal parts per investor
Avoid Go & Grow if you are:
- Needing your money back on a fixed date, because in a rush of withdrawals Go & Grow pays everyone in equal daily parts with no end date
- Looking for deposit insurance or a regulator behind your money, because Go & Grow has neither
- Wanting more than 6%, because Go & Grow caps your return whatever the loans earn and can lower the cap
- Planning frequent small withdrawals, because each one costs €1
- Wanting to choose or see the loans you hold, because Go & Grow allocates them and shows you none
