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.

With Go & Grow, your entire investment earns up to 6%* p.a.

You pay no fees to invest! There’s only a €1 withdrawal fee, no matter the amount you withdraw.

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.

Read more here.

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.

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.

We’re based in Tallinn, Estonia. However, our online investing services are available across Europe.

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.

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.