Bondora Referral Code

The reward is €5 to each side — but the more important confusion is the one the whole product invites: a target return is not an interest rate.

The published terms: your friend receives €5 when they successfully sign up, and you receive €5 once they have added at least €50 to their account within the first 90 days. The two sides are not triggered by the same thing — theirs on signing up, yours only once real money arrives — which is the ordinary and honest shape: the platform pays for a funded customer, not for a registration. Referral rewards are capped at €500 per calendar month.

Far more important than €5 is what Go & Grow, Bondora's headline product, actually is: the quoted annual return is a target, not a rate. The distinction is everything. A savings account's interest rate is a contractual obligation — the bank owes it to you. A target return is an intention: Bondora sets it, and Bondora can lower it, with the published position being that it may do so at any time and without investor approval. The product moved to a flat 6% in 2025 and remained there through 2026, so the number has been stable — but stability so far is not the same as a promise, and the two look identical on a marketing page.

Three facts follow, which Bondora itself states and which anyone comparing this with a savings account should have. It is not a savings account, and no deposit guarantee scheme covers it — you are lending money to consumers through a platform, which is an investment. Your capital is at risk, since the underlying assets are unsecured consumer loans and consumer loans default; the headline return is what the platform aims to pay you after those losses, which is precisely why it is a target rather than a guarantee. And withdrawals are not unconditionally immediate: Bondora retains a contractual right to slow withdrawals if too many investors try to exit at once, making partial payouts until enough cash is available. It used that right briefly in early 2020 and has not needed it since — but the right exists, and the moment you would most want your money out is exactly the moment everyone else would too. A product marketed on daily accrual and quick access should be judged on what happens in the bad week, not the good one.

The honest comparison is with other investments, not a savings account. Ask what you are being paid to take on: unsecured consumer credit risk, platform risk, and a liquidity promise that has a stated exception. Judged that way it may still be reasonable for money you can genuinely afford to lose — a different category from money you are saving.

Withdrawals are reported to reach a bank account within one to three days for a €1 fee. On a €5 referral bonus that fee is a fifth of the reward, worth knowing before treating the bonus as cash.

There is also a corporate change worth knowing, since it affects whose name is on your money. From 20 April 2026 the legal entity behind Go & Grow, formerly Bondora Capital OÜ, was renamed Go&Grow OÜ, and the product is separating from the Bondora Group as an independent brand with its own domain. Bondora has said the account, the app, sign-in, balances, existing investments and withdrawals are unaffected in the near term. But the protection and the obligations attach to a legal entity, and legal entities get renamed, sold and separated without the app looking any different — so if you hold a balance, it is worth knowing which company owes it to you today, from the platform's own current terms rather than an older review.