Go & Grow

What Go & Grow actually pays

Go & Grow is advertised with a target return of up to 6% per year. That is a target, not a promise: it can be changed at any time, and it has been. Until 1 April 2025 the target was 6.75%; since then it has been 6%.

Across the 993 Go & Grow portfolios tracked on P2P Dash, the median net return is 6.3% per year, with the middle 50% of investors between 6.0% and 6.6%. Over the last twelve months the median is 6.0%. This is money-weighted (XIRR) and measured after fees on real portfolios, so it can land above or below the advertised target.

The year-by-year chart further down traces that cut in the community's own returns.

What matters more than the exact figure is the mechanism behind it: the return on this product is set by the provider, not earned by a portfolio you control, and it moves when the provider decides it moves.

Bondora and Go & Grow are separating

The two names are not interchangeable, and since 2026 they are not even the same company.

On 20 April 2026 the legal entity behind the product, Bondora Capital OÜ, was renamed Go&Grow OÜ (Estonian registry code 12831506, Tallinn) and moved to its own domain. It is set to operate as a brand outside the Bondora Group, though both companies remain held by the same core group of shareholders.

What did not change is who does the lending. Bondora AS (registry code 11483929, on the Estonian register since 2008) continues to originate and service the underlying consumer loans, and Bondora AS is the party holding a licence: it is supervised by Finantsinspektsioon, the Estonian financial supervision authority, as a credit provider.

Go&Grow OÜ itself has never held a product-specific licence. This is the part worth understanding before investing: supervision here covers the lender, not the investment wrapper you actually buy.

Getting your money out

Withdrawals cost a flat €1, whatever the amount.

Daily access to your money is the product’s main selling point, but it is conditional rather than contractual: it depends on enough money flowing in to pay out those flowing out. There is a precedent for it being suspended: between March and June 2020 the platform switched to partial payouts when withdrawal requests spiked.

Our own data shows which way the money is moving right now: across 993 Go & Grow investors on P2P Dash, net flow over the last twelve months was €3,137,731, so the community is currently putting in more than it takes out. That is not a liquidity guarantee, but it is a live signal that a plain balance figure will not give you.

What can go wrong

• No buyback guarantee and no deposit protection. Despite feeling like a savings account, Go & Grow is not one. There is no deposit guarantee scheme and no investor compensation scheme behind it, and your capital is genuinely at risk.
• The rate is a target. It can be lowered again, as it was in 2025.
• Everything rests on one originator. The loans are unsecured consumer credit from a single lender, Bondora AS, so its underwriting quality is your risk.
• That underwriting has been sanctioned. On 30 April 2025 Finantsinspektsioon fined Bondora AS €200,000 for breaching responsible-lending rules, finding that between 6 December 2023 and 24 February 2024 it had signed consumer credit contracts without assessing all legally required creditworthiness indicators.
• The underlying portfolio is not published. Go & Grow does not disclose performance data for the loans behind the product, so the returns above are the closest thing to an outside view.

Platform facts verified on July 29, 2026. Community figures as of September 18, 2026, recalculated nightly.