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How does Bondora safeguard my money?

The money borrowers and lenders transfer to Bondora is held on a segregated client account. No return shall be paid for money held on the client account.

We bank with AS LHV Pank, a subsidiary of LHV – the biggest domestic financial group in Estonia. You can find additional information about their credit ratings here.

The money transferred to Bondora may only be used pursuant to Terms of Use and for performing the obligations of the loan agreements. The respective amount in the bank is by its nature a claim (against the bank) that Bondora has acquired in its name, but on behalf of the customer and only with the purpose of using it for performance of the mandate. 

Therefore the respective money does not belong to the bankruptcy assets of Bondora and a claim for payment cannot be made for the money in enforcement proceedings, and it shall likewise not be reflected in the balance sheet of Bondora. This above all means that by transferring money to Bondora you do not completely transfer it to the assets of Bondora, but instead retain the necessary rights concerning the money in order to recover it fully in case of financial troubles of Bondora.

All payments made to the Bondora account shall be reflected as receipts on your client account. You will receive an email notifying you of an arrived payment or a repayment. Bondora keeps records and accounts of every payment to and from the Bondora account as well as payments between different customers. Daily internal and external reconciliations are made to ensure the accuracy of the records and accounts.

You have the right to withdraw your money to an account in your name that you have used to make payments to your Bondora account. You need to verify all withdrawals using two-factor authentication. All withdrawals will further be reviewed by our accounting team before submitting to our bank over a secure electronic payment order.


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* Capital at risk. Investments made with Bondora are not guaranteed, nor is the preservation of value invested guaranteed. Please note that the yield achieved in past periods does not guarantee the rate of return in future periods. The yield of Go & Grow is up to 6.75% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.