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Why has my referral bonus decreased?

Our referral program is one of the best in the business. By inviting friends to Bondora, they'll get a €5 bonus when they successfully sign up, and you'll get a referral bonus worth 5% of their first investment, capped at €500. And there's no limit to how many people you can refer—the more, the merrier!

Once they've completed their account signup process, they can make their first investment. After 90 days, your referral reward will be calculated, and you'll get a cash bonus from us as a thank you for referring Bondora. 

On your refer-a-friend page, you'll see an overview of all the people you've invited to Bondora under "Your invitations." There you'll also see the status of your invitations and how much you've earned in referral bonuses from the referred friends.

Why the referral bonus can decrease

Suppose a referred friend has made a withdrawal from their initial investment, which was used to calculate your referral bonus. In that case, you'll see a tooltip message in the 'Your invitations' table saying: 'Your referral bonus amount decreased.'

If they withdrew money from their account, it means your bonus will be less because their investment balance decreased during the first 90 days after registering.

For example: If the invested amount on the Calculation day (the 31st day after registering) is €1,000, your potential bonus is €50. Then, 45 days after registering, your friend withdrew €500. When we recalculate the bonus again on the 91st day after registering, your potential bonus will decrease to €25 due to the calculated amount being half of what it was on Calculation day. You'll also see this clearly in the 'Your invitations' table.

Please note: If the invited friend withdrew either a partial or the full amount of the money initially invested within 180 calendar days after you've received your referral bonus, Bondora has the right to claim back the full referral bonus at any time. 

We do this to encourage investors to get the complete benefit of investing with Bondora for the long-term. If you want to know more about the specifics, please read the Referral program terms and conditions here.


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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.