Bondster
Bondster is a Czech peer-to-peer lending marketplace founded in 2014 and headquartered in Prague. The platform connects investors with loans from originators across Europe, offering consumer loans, business loans, mortgages, leasing products, and litigation funding. Bondster is notable for its diverse loan portfolio, a secondary market for early exits, and a buyback guarantee on most loans. The platform is owned by CEP Invest Private Equity, with strategic partner ACEMA Credit Czech being a key loan originator.
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Bondster in real numbers
Anonymized statistics from all Bondster portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
9.8%
Based on 23 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 16 stated strategies
Combined portfolio value
€97,474
Investors on P2P Dash
40
Interest earned all-time
€60,652
Median cash drag
3.8%
Share of funds sitting uninvested
Important Notes
- The Excel export file contains incorrect row metadata which causes the importer to not import all data
- To fix this, open and resave the export file using Excel or another spreadsheet application before importing
Bondster returns over time
Median annual return of Bondster investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
2.6%
5 investors
3.9%
2020
11.0%
2021
11.2%
2022
11.9%
2023
8.7%
2024
6.7%
2025
8.2%
2026
Is money moving into Bondster?
Monthly deposits minus withdrawals across Bondster investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
-€11,800
40 investors tracking
In Q2 2026, Bondster ranks 40 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Alternatives to Bondster
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Bondster
Answers based on anonymized community data from P2P Dash investors.
What is Bondster?
Bondster is a peer-to-peer lending platform, founded in 2014 (headquarters: Czechia). On P2P Dash, investors import their Bondster account statements to track the real net return they earn there.
What return do investors actually earn with Bondster?
Across 23 Bondster portfolios tracked on P2P Dash, the median net return (XIRR) is 9.8%. The middle 50% of investors earn between 8.5% and 13.0% (as of August 3, 2026).
How many investors track Bondster on P2P Dash?
40 investors track their Bondster portfolios on P2P Dash, with a combined portfolio value of €97,474 and €60,652 in interest earned all-time.
Are investors currently adding or withdrawing money at Bondster?
Of 16 stated strategies for Bondster, 6% plan to add funds or reinvest, 19% intend to hold, and 75% plan to reduce or exit (as of August 3, 2026).
Is Bondster regulated?
No, Bondster does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Bondster offer a buyback guarantee?
Yes, Bondster offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Bondster portfolio?
Export your transaction history from Bondster (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Bondster?
Based on the community ranking, the closest alternatives to Bondster in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.