Bondora review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bondora suits euro area savers who want a reachable savings balance covered by EU DGS up to EUR 100,000 and an operator trading since 2008. The trade-off is a narrow frame: euro payments only, a flat fee on every withdrawal, and support on email and help centre only.
Key facts
- Best for
- Euro savings you can reach instantly without paying a monthly charge.
- Headline rate
- 6%↗
- Rate type
- Variable↗
- Minimum deposit
- €1↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Withdraw anytime, near-instantly; EUR payments only; EUR 1 withdrawal fee↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Go&Grow OU (Estonian registry code 12831506)↗
- Headquarters
- Estonia↗
- Founded
- 2008↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- bondora.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataTrustpilotX
Pros and cons
Pros
- Withdraw anytime, near instantly, so the balance stays as reachable as a spending account.
- A named operator sits behind the account: Go&Grow OU (Estonian registry code 12831506).
- Out earns PayPal Colombia on rate, at 3.3% against a site median of 3%.
Cons
- Access is limited to euro payments, and every withdrawal carries a flat fee.
- Support runs on email and help centre only, with no phone line or live chat.
- A single currency focus sits below the site median of 5 currencies per brand.
Ready to try Bondora?
Scored 9.0 / 10 by VaultCue.
Who it suits
- Euro area residents with a rainy day fund, given near instant withdrawals.
- New savers starting small, since the minimum deposit is €1.
- Holders happy to pay a flat fee per withdrawal in exchange for flexibility.
Who should look elsewhere
- PayPal Colombia, if 3.3% is the return you need and easy access matters less.
- Plazo ES, whose 24.19% is a credit card figure rather than interest on a deposit.
- AXI Card, if you are after card credit at 21.59% instead of protected savings.
How Bondora compares
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Where Bondora is available
- Licence in Estonia
- Estonian Financial Supervision Authority (FSA), checked September 26, 2026
- Licence in Finland
- Finnish Regional State Administrative Agency, checked September 26, 2026
Frequently asked questions
What rate does Bondora pay on savings?+
Bondora runs an easy access account at a variable rate, currently 6%. Variable means the rate can move rather than being locked for a term, so the return follows market decisions. The savings median across the site is 3.08%, which puts this offer above the middle of the field.
Is my money protected if Bondora fails?+
Deposits are covered by EU DGS up to EUR 100,000, the EU deposit guarantee scheme, so eligible balances are repaid up to that limit. The account is provided by Go&Grow OU (Estonian registry code 12831506), a named Estonian registered company, so the protection attaches to an identifiable operator rather than an anonymous platform.
What does it cost to keep the account?+
The monthly fee is €0, so holding the balance costs nothing in account charges, and the stated model is no monthly fee. The minimum deposit is €1. The only charge in the access terms is a flat fee applied to each withdrawal.
How quickly can I get my money out?+
Withdrawals can be made at any time and are processed near instantly, so the balance behaves much like a current account rather than a fixed deposit. Each withdrawal carries a flat fee, so frequent small withdrawals are the part of the account to watch.
What is the minimum deposit?+
The minimum deposit is €1, which keeps the entry point small for new savers. For context, the median minimum deposit across the savings accounts listed on the site is €0.11, so Bondora sits below the typical starting sum.
Who runs Bondora and who supervises it?+
The account is provided by Go&Grow OU (Estonian registry code 12831506), which has traded since 2008 and is based in Estonia. The named regulator for its home market is the Estonian Financial Supervision Authority, and a regulator is also named in Finland.
How does the rate compare with other brands?+
The headline rate of 6% is ahead of PayPal Colombia at 3.3% and above the savings median of 3.08%. AXI Card and Plazo ES show higher headline figures, but those are credit products rather than a like-for-like savings comparison.
What kind of account is it?+
It is an easy access account rather than a notice or fixed term product, and the rate is variable. Funds are not tied to a term, which suits anyone who values flexibility over locking the balance away for a higher fixed rate.
Sources
- goandgrow.eu/en checked September 26, 2026
Backs: Headquarters, Minimum deposit
“We're based in Tallinn, Estonia.”
- goandgrow.eu/en/goandgrow checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Founded, Headline rate, Pricing model, Monthly fee, Rate type, Licences
“Fast liquidity - Withdraw anytime, near-instantly, thanks to an ample cash reserve and steady daily cash flow.”
- goandgrow.eu/en/terms checked September 26, 2026
Backs: Legal entity, Support channels
“Company - Go&Grow OU, incorporated under the laws of the Republic of Estonia, registry code 12831506.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.