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Bondora review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bondora's Go&Grow pays a variable rate of 6% with no monthly fee and a minimum deposit of €1, so it suits savers who want a high variable return and instant access rather than a locked-in term. Balances sit under EU deposit protection.

Key facts

Best for
Euro savers wanting a high variable rate with instant access and no monthly fee
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

  • Headline rate of 6% sits well above the savings median of 3.06%
  • No monthly fee, charged at €0
  • Minimum deposit of €1 is among the lowest on the site
  • Balances covered by EU DGS up to EUR 100,000

Cons

  • Payments and withdrawals are limited to euros, so sterling users pay a conversion cost outside the account
  • Support runs on email and help centre only, with no phone or chat line
  • The rate is variable, so it can move down as well as up

Ready to try Bondora?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Euro-based savers who want instant access to their money
  • Anyone who will leave a balance untouched for a while and does not mind a variable rate
  • Savers whose balance stays inside EU DGS up to EUR 100,000

Who should look elsewhere

  • Sterling savers who need a UK account, where Wise pays 3.29%
  • Savers who want a fixed rate for a set term, since Finteres runs 0% to 36%
  • Anyone who needs help on the phone, where bunq offers more support routes than email and help centre

Fees and currency costs

Go&Grow has no monthly fee: €0 is charged every month, and the account is set up on a no-monthly-fee basis. The minimum deposit is €1, so a small first payment opens the account. The one cost sits on access rather than on the balance. Withdrawals can be made at any time and land almost instantly, but a withdrawal fee applies, and all payments run in euros only, which means a sterling saver pays a conversion cost outside the account.

How Bondora compares

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 Go&Grow pay?+

Go&Grow pays a variable headline rate of 6%. That is well above the savings median of 3.06%. Because the rate is variable, the figure can move in either direction.

Is there a monthly fee?+

No. The monthly fee is €0, and the account runs on a no-monthly-fee basis. There is no inactivity charge listed for the account either, so holding it open costs nothing.

How much do I need to deposit?+

The minimum deposit is €1, which is among the lowest minimums on the site. That figure sits well below the savings median minimum deposit of €0.17.

Can I withdraw my money quickly?+

Yes. Withdrawals can be made at any time and land almost instantly. A withdrawal fee applies to each withdrawal, so frequent access does carry a small cost.

Is my money protected?+

Yes. Deposits are covered by EU DGS up to EUR 100,000. The operator is Go&Grow OU, supervised in Estonia by the Estonian Financial Supervision Authority and licensed in Finland by the Finnish Regional State Administrative Agency.

Which currency does the account use?+

The account handles euro payments only, and the minimum deposit is set in euros. A saver paid in sterling would need to convert before depositing, and that conversion cost sits outside the account.

How do I get help?+

Support runs through email and help centre. There is no phone line or live chat listed, so questions are handled by email or through the help centre.

Who is this account for?+

It suits savers who want easy access, a high variable rate and no monthly charge. It suits those who will leave money in place rather than moving it often, since each withdrawal carries a fee.

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.

Bondora

Euro savers wanting a high variable rate with instant access and no monthly fee

9.0/10See alternatives