Bondora has been a steady part of my P2P portfolio for years. Go & Grow delivers exactly what it promises: 6% annual returns, daily liquidity, zero effort required. For conservative investors who want P2P exposure without micromanaging loan portfolios, it’s hard to beat.
But 6% isn’t what it used to be. With other P2P platforms offering 11-14% returns, and even some savings accounts approaching 3-4%, Bondora’s Go & Grow sits in an increasingly tight middle ground. Add in the fact that Bondora is a single-originator platform — it issues all its own loans across just three countries (Estonia, Finland, Spain) — and the case for diversification becomes clear.
Here are the platforms I use alongside Bondora, each offering something Go & Grow can’t.
Quick Comparison: Bondora vs the Alternatives
| Platform | Best For | Avg. Returns | Regulation | Buyback | Review |
|---|---|---|---|---|---|
| Mintos | Maximum diversification | ~12% | MiFID II licensed | Yes (60 days) | Review |
| PeerBerry | Reliable returns, no fees | ~11% | Not regulated | Yes (60 days) | Review |
| Esketit | ECSP license + higher returns | 10-14% | ECSP licensed | Yes (60 days) | Review |
| Swaper | Highest returns available | ~14% | Not regulated | Yes (60 days) | Review |
| Monefit | Bondora-like simplicity at 7% | 7% | Not regulated | N/A (SmartSaver) | Review |
Mintos — Double the Returns with 60+ Originators
The most obvious Bondora alternative is also the most popular P2P platform in Europe. Mintos offers ~12% average returns — roughly double Bondora’s 6%. But it comes with a fundamentally different experience.
Why switch from Bondora to Mintos? Where Bondora originates all its own loans across three countries, Mintos aggregates loans from 60+ originators across 33 countries. That’s a completely different level of diversification. Mintos also has MiFID II regulation — the strongest regulatory framework in European P2P — and an investor protection scheme covering up to EUR 20,000.
The trade-off: Mintos is not a set-and-forget product. You’ll need to either configure a custom auto-invest strategy (choosing originators, loan types, interest rates, and countries) or use Core Loans, the premade portfolio. Either way, it requires more thought than Bondora’s “deposit and earn 6%.” Mintos has also introduced a 0.29% annual fee on Custom Portfolios.
My personal net return on Mintos over 9 years is ~9% after accounting for originator defaults. That’s still 50% more than Bondora, but it’s honest to note it’s below the advertised ~12%.
Best for: Investors ready to graduate from Bondora’s simplicity to a platform with higher returns and real diversification — but who are willing to invest some time understanding how it works.
See my full Mintos review or the Mintos vs Bondora comparison.
PeerBerry — Almost as Simple, Nearly Double the Returns
PeerBerry is the closest thing to Bondora’s ease of use while offering significantly better returns. Set up auto-invest, deposit money, and you’re earning ~11%. No complex strategy configuration, no fee analysis, no worrying about which originators to select.
Why it works as a Bondora alternative: PeerBerry delivers roughly 11% — nearly double Bondora’s 6% — with a similarly low-maintenance experience. It also has a buyback guarantee (60 days), which Bondora doesn’t offer on underlying loans. The platform is completely fee-free and has EUR 3.24 billion in funded loans with zero major defaults.
Key differences from Bondora:
- ~11% returns vs 6% — the math speaks for itself
- Buyback guarantee on all loans vs no guarantee on Bondora
- No secondary market (same as Bondora’s Go & Grow in practice)
- Multiple loan originators (12) vs Bondora’s single-originator model
- EUR 10 minimum vs Bondora’s EUR 1
- Not regulated (Bondora is licensed by Estonian FIU)
- No daily liquidity — PeerBerry loans have set terms, unlike Go & Grow’s on-demand withdrawals
Best for: Bondora investors who want higher returns without significantly more complexity, and who don’t need instant daily liquidity.
See my full PeerBerry review or the Bondora vs PeerBerry comparison.
Esketit — Regulated with Flexible Returns
Esketit offers 10-14% returns depending on loan type and risk profile, an ECSP license, a buyback guarantee, and a secondary market. That’s a strong combination of features that Bondora can’t match on any dimension except simplicity.
Why it works as a Bondora alternative: Every feature Bondora lacks, Esketit has. Higher returns, a buyback guarantee, a secondary market for liquidity, and regulatory oversight. The only thing you lose is the absolute simplicity of Go & Grow.
The catch: Esketit is in a transitional period after AvaFin’s 2025 withdrawal from P2P operations. The platform is independent now and rebuilding its originator base. This is a risk Bondora doesn’t carry — Bondora is the originator, so there’s no dependency on third parties.
Best for: Investors who want significantly better returns and regulatory protection, and are comfortable managing a slightly more active investment.
See my full Esketit review.
Swaper — Maximum Yield
If you’re moving away from Bondora specifically because 6% feels too low, Swaper sits at the opposite end of the spectrum: ~14% base returns plus loyalty bonuses that can push effective rates toward 16%.
Why it works as a Bondora alternative: Pure yield differential. Swaper pays more than double what Bondora offers, with an auto-invest experience that’s just as straightforward. Set it up once and let it run.
The important context: Swaper is not regulated and relies primarily on one loan originator (Wandoo Finance). Bondora, by contrast, has been operating since 2009, is regulated by the Estonian FIU, and has 8 consecutive years of profitability. You’re trading safety for yield — make sure that trade-off fits your risk tolerance.
Best for: Investors who’ve decided 6% isn’t enough and want to maximize returns, understanding that this comes with reduced regulatory protection and originator concentration risk.
See my full Swaper review.
Monefit — The Closest Bondora Alternative
Monefit SmartSaver is the platform that feels most like Bondora’s Go & Grow. It offers 7% annual returns — slightly better than Bondora’s 6% — with a similarly hands-off experience. Deposit money, it earns interest. That’s it.
Why it works as a Bondora alternative: If you love Go & Grow’s simplicity but want a slightly better rate, Monefit SmartSaver is the closest match. It operates by the same principle: you deposit, the platform manages everything, you earn a fixed rate.
The difference: Monefit is backed by Creditstar Group, an established European lending company. However, it’s not regulated in the same way Bondora is, and it lacks the 15+ year track record that Bondora has built. The 1% return premium over Bondora (7% vs 6%) is real but modest.
Best for: Conservative investors who want the Go & Grow experience with a slightly better rate, and who value simplicity above all else.
See my full Monefit review.
Which Bondora Alternative Should You Choose?
If you want simplicity with a better rate: Monefit SmartSaver (7%). The closest Go & Grow clone.
If you want to meaningfully increase returns: PeerBerry (~11%) for minimal extra complexity, or Mintos (~12%) for the full diversified experience.
If you want regulation + higher returns: Esketit (ECSP, 10-14%) or Mintos (MiFID II, ~12%).
If you want maximum yield: Swaper (~14%+ with loyalty bonuses).
I keep Bondora in my portfolio for its liquidity (daily withdrawals) and its track record. But the bulk of my P2P allocation goes to platforms with higher returns — mainly Mintos and PeerBerry. The best approach is usually to keep a Bondora position for liquidity and stability, and add higher-yielding platforms alongside it.
For the full picture, see my ranking of the best European P2P lending platforms.
Frequently Asked Questions
Is Bondora Go & Grow still worth it in 2026?
It depends on your priorities. At 6% with daily liquidity and zero effort, Go & Grow still beats most European savings accounts. But with other P2P platforms offering 11-14%, the opportunity cost is real. If you’re comfortable with slightly more involvement, platforms like PeerBerry or Mintos offer significantly better returns. See my full Bondora review.
Why does Bondora only offer 6% when others offer 12%+?
Bondora originates all its own consumer loans in Estonia, Finland, and Spain. Go & Grow pools these loans and offers a fixed rate that accounts for defaults, reserves, and Bondora’s margin. Other platforms work with third-party loan originators who compete on yield. Bondora prioritizes stability and simplicity over maximizing returns.
Is Bondora safer than Mintos or PeerBerry?
In some ways, yes. Bondora has been operating since 2009 (15+ years) with 8 consecutive years of profitability and is regulated by the Estonian FIU. Mintos is MiFID II regulated (stronger), but has EUR 130 million in unresolved originator defaults. PeerBerry has a clean default record but is not regulated. Safety is multi-dimensional — no single platform wins on every metric.
Can I move money from Bondora to another platform easily?
Yes. Go & Grow offers daily withdrawals (EUR 1 fee). You can withdraw to your bank account and then deposit on another platform via SEPA transfer. The process typically takes 1-3 business days.
What’s the best combination with Bondora?
Keep Bondora for liquidity and stability (money you might need access to), and allocate the portion you can lock up longer to higher-yielding platforms like Mintos or PeerBerry. This gives you both accessibility and better average returns across your P2P portfolio.
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