High yield. Low effort.
Meticulously engineered for you
Fractional ownership
Risk-buffer
Strong diversification
Fast liquidity**
Effortless experience
What powers your Go & Grow investment
Backed by data
Effective recovery
Built for resilience
Committed to compliance
Growing market
Your balanced option
Bank deposit | Go & Grow | Stocks / ETFs | |
|---|---|---|---|
Avg. return rate | 2-3,5%¹ | Up to 6%* | ~7%² |
Access to money | Locked (fixed-term) | Near-instant** | Delayed (must sell first) |
Volatility | None | Stable historical performance.* Returns may vary | High |
Risk | Government-backed deposit guarantee | Diversification helps manage risk | Exposed to market risk. Limited capital protection under investor protection schemes |
Ease of use | No investing experience needed | Investing made simple. No complex steps required. | Requires investing experience and knowledge. Regular management |
Regulation | Regulated by financial authorities | Go & Grow is a consumer loan receivables service, not a regulated investment service. Bondora AS is regulated by EFSA | Regulated by relevant financial authorities |
* Capital at risk. The yield of investment of Go & Grow is up to 6% p.a. Before deciding to invest, please review our risk statement and consult with financial advisor if necessary. | Start investing | ||
* Capital at risk. The yield of investment of Go & Grow is up to around 6% p.a. Before deciding to invest, please review our risk statement and consult with financial advisor if necessary.
¹ Based on average household term deposit rates in the EU (ECB, Q1 2025)
² Average S&P 500 annual return over the long term, adjusted for inflation.
Join an ever-growing community of investors
Nearly 500,000 investors have already chosen Go & Grow to earn daily returns. And that number, along with their compound returns, keeps on growing.
Investments made
€2,295,747,195
€39,437,371
€507,787,723
investor graph
Get started in 3 simple steps
Built for stability.
Focused on your security.
With Go & Grow, your investment is automatically diversified across hundreds of thousands of loan fractions in Europe. Bondora AS uses predictive credit models built on long experience and historical lending data since 2008. Liquidity buffers are in place to support withdrawals under normal conditions**.
Bondora AS constantly improves its credit models and issues loans that meet applicable regulatory requirements. Your peace of mind is our priority.
Over 490,000 investors have trusted us to build their wealth
“It's easy to work and fast when you need to withdraw and deposit money”
Paulo Rocha Rocha on Trustpilot
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Visit TrustpilotYour questions, answered
- What exactly is Go & Grow?
Go & Grow is a consumer loan receivables service. Your money is automatically allocated across fractions of hundreds of thousands of loans issued by Bondora AS, our commercial partner, and your returns come from the interest borrowers pay on those loans.
- How much could I earn?
With Go & Grow, your entire investment earns up to 6%* p.a.
- What are the fees?
You pay no fees to invest! There’s only a €1 withdrawal fee, no matter the amount you withdraw.
- Is my money protected?
Go & Grow and Bondora include several safeguards to manage risk, but they cannot fully eliminate it or guarantee your capital. These range from diversification across loans and data-driven lending to established recovery processes and active liquidity management.
- Is Go & Grow regulated?
Go & Grow is a consumer loan receivables service, not a bank deposit or a regulated investment service. Go&Grow OÜ, the company providing the service, is subject to consumer protection and contract law, as well as to commercial, competition, accounting, and data protection requirements, including the GDPR.
The loans behind Go & Grow are issued by Bondora AS, including through its branches in different EU markets. In each market, its lending operations must comply with the applicable local laws and regulatory requirements.
For example, Bondora AS is a licensed credit provider supervised by the Estonian Financial Supervision and Resolution Authority. Its Finnish branch is supervised by the Finnish Financial Supervisory Authority. Its Latvian and Lithuanian lending operations are licensed and supervised by Latvijas Banka and the Bank of Lithuania, respectively.
These licences and supervisory arrangements apply to Bondora’s lending activities. They do not make Go & Grow a regulated investment service.
- Can I withdraw my money whenever I want?
You can request a withdrawal whenever you choose,** and there is no fixed-term commitment. We aim to process withdrawals instantly, but the time it takes for the money to reach your account can vary depending on your bank or whether we need to perform additional checks. In extraordinary cases, we may not be able to pay the full amount at once and will make partial payouts until your withdrawal is complete.
- Where is Go & Grow based?
We’re based in Tallinn, Estonia. However, our online investing services are available across Europe.
- Is Go & Grow a P2P lending platform?
Although our roots were in peer-to-peer lending, we have since grown to be much more than that. We’ve fully embraced our mission to give our investors the easiest and simplest way to invest online. And as a European fintech company, we’re always looking for new and innovative ways to improve your experience with us.
- How does the refer-a-friend reward program work?
When your friends sign up using your unique Go & Grow referral link, they’ll get a €5 starting bonus. When they invest €50 or more in the first 30 days, you’ll get a €5 referral bonus. Terms & conditions apply.