Bondora is one of the steadiest P2P platforms I’ve used. 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 11-15% 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 five countries (Estonia, Finland, the Netherlands, Spain, Latvia) — and the case for diversification becomes clear.
Here are the platforms worth considering 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 | ~9.2% | MiFID II licensed | Yes (60 days) | Review |
| PeerBerry | Reliable returns, no fees | ~11% | Not regulated | Yes (60 days) | Review |
| Monefit | Bondora-like simplicity at 7.5% | 7.5% | Not regulated | N/A (SmartSaver) | Review |
Mintos — Higher Returns with 60+ Originators
The most obvious Bondora alternative is also the most popular P2P platform in Europe. Mintos shows a 9.2% weighted average APY on available loans, about 50% more than 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 five 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.
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.
Monefit — The Closest Bondora Alternative
Monefit SmartSaver is the platform that feels most like Bondora’s Go & Grow. It offers an expected 7.5% a year on its main account — 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 1.5-point return premium over Bondora (7.5% 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 (7.5%). The closest Go & Grow clone.
If you want to meaningfully increase returns: PeerBerry (~11%) for minimal extra complexity, or Mintos (~9%) for the full diversified experience.
If you want regulation + higher returns: Nectaro (MiFID II, ~15%) or Mintos (MiFID II, ~9%).
Bondora’s strengths are its liquidity (daily withdrawals) and its track record. For higher returns, my experience points to platforms like 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 11-15%, 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, the Netherlands, Spain and Latvia. 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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