Bondora Alternative: Up to 12% return in 2025

Bondora Go & Grow was a simple and flexible way to generate solid profits. However, following an interest rate cut, the platform is now less attractive – it’s time to find a Bondora alternative!

I’ll show you how you can replace the popular P2P provider and get a higher return with the same liquidity!

Why is a Bondora alternative useful?

In recent years, Bondora has established itself as a simple solution for passive investing. Those who were not interested in complex strategies found an uncomplicated entry point into the world of P2P lending here.

But circumstances have changed: if you want to invest your capital wisely today, you should think carefully about whether Bondora is the right place for you!

• Interest rate reduction: Bondora Go & Grow currently offers only 6% per annum. This amount is not guaranteed and further reductions are likely.
• Risk-return ratio: As there is also a fundamental risk, the return is relatively low.
• Daily availability: Daily payouts used to be a unique feature of Bondora. Today, however, this feature can also be found on alternative platforms.
• No individual control: You have no control over lending or risk profile.
• Alternatives with added value: platforms such as Swaper or Monefit offer higher returns, additional offers and broader diversification.

85/100

Punkte

Yield: 6.00% interest

Investors: over 460,000

€5 bonus upon registration

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The interest rate at Bondora is no longer sufficient

I used to be enthusiastic about the combination of 6.75% interest per annum + immediate payout. However, with the adjustment of the interest rate, all investors now only receive 6%. And that’s without a binding commitment! This raises three key issues:

1. The return is not guaranteed and may be adjusted at any time. Due to the company’s strategic orientation, further reductions are very likely in the future. This means that Bondora is no longer predictable, which is anything but attractive to me as an investor.
2. 6% is simply no longer sufficient in times of significant inflation and high base rates. To make matters worse, the many Bondora alternatives available offer significantly better deals. Here, we can earn more than double!
3. The interest rate cut does not affect the risk. Your capital is still at risk with Bondora, as P2P investments are never 100% secure. However, you will be rewarded less than in the past. 6% for unsecured consumer loans is a poor compromise in my opinion!

So if you are serious about building wealth, Bondora’s returns are hardly competitive anymore.

Flexibility is no longer a unique selling point

Quick access to my own money was one of the main reasons for signing up with Bondora. I have always been a big fan of being able to withdraw my capital overnight and have had good experience with Bondora. But times have changed:

• When it was launched in 2018, Go & Grow was revolutionary: no other P2P product offered daily payouts at the time. Your capital was always tied up for at least a few weeks. With some providers, repayment could even take years, as my review of EstateGuru shows!
• Today, however, fast payouts are the absolute standard: almost all providers in my P2P lending comparison now offer the option of selling your investments early. On platforms such as Swaper, this takes just a few minutes and the money is usually in your account within a few hours.
• Some platforms have simply copied the Bondora concept: they offer the same repayment terms. The most successful competitor is undoubtedly Monefit. In a comparison between Monefit and Bondora, the imitator comes out on top!

The former uniqueness of Bondora Go & Grow has therefore been lost. Today, Bondora alternatives also give you quick access to your capital, with significantly better returns. If flexibility is important to you, you don’t have to sacrifice performance.

Which Bondora alternative is worthwhile?

I invested with Bondora for a long time and appreciated its simplicity, but at some point, it was no longer enough for me. Today, my portfolio has grown to over €400,000 and generates a return of more than 35% per year – Bondora, with its 6% return, simply no longer fits the bill.

However, quick payouts are still important to me in case I need some of my money at short notice. That’s why I use two Bondora Go & Grow alternatives that also offer high liquidity: Swaper and Monefit offer similar advantages to Bondora, but with noticeably better performance.

The following table shows a direct comparison based on my own experiences.

Bondora Alternative 1: Swaper

For a long time, Swaper was a rather unspectacular platform in my P2P lending ranking. However, consistent, reliable results and improved transparency have made this provider increasingly attractive! I have had very good Swaper review and would like to show you the most important advantages:

High interest rates with short capital commitment

Swaper combines high returns with outstanding transparency:

• For short-term lending, which is an ideal Bondora alternative, you will receive 12% interest per annum.
• Long-term lending currently carries an interest rate of 14%.
• If you invest over €25,000, your return increases by an additional 2%. Unfortunately, this bonus only applies to long-term lending, which is less suitable as a Bondora Go & Grow alternative.
• If you refer friends, you will receive 2% of the amount they invest.

As an alternative to Bondora, the platform offers short-term consumer loans with a term of usually 30 days. Unlike Bondora, however, it is not a ‘1-click investment’ platform: you have to select your investments manually or set up the auto-invest function once.

You also have to go through several steps to make a withdrawal:

• First, select a lending that you wish to sell early.
• With just a few clicks, it is put up for sale on the platform.
• Other investors who have set up an “Auto-Invest” will then automatically purchase your lending.
• In my review, this process only takes a few minutes.
• The money will then be available in cash in your Swaper account.
• You can now initiate the payout and the money will be in your bank account within two working days.

Based on my personal Swaper review, payouts are even faster than the stated two working days. In several attempts, I was able to complete the entire process, including receipt of payment in my bank account, in one day.

Overall, Swaper is a slightly more complicated Bondora alternative: you have to make a few extra clicks before you can invest or withdraw your money. In return, however, you also receive the double interest! In my opinion, that’s a very good deal.

Transparent figures, genuine growth

Swaper’s outstanding transparency is particularly impressive: the platform communicates honestly about risks, investment performance and company figures. Unfortunately, this is not a given in the P2P world!

• The parent company recently published an annual profit of around €300,000.
• The monthly loan volume brokered is an impressive €17 million.
• It is therefore a platform with strong substance – not a short-term ‘hype product’.

The parent company behind Swaper is regulated by the financial supervisory authorities – however, the platform itself is not. That’s not a big problem for me, though: only a few P2P providers are fully regulated.

In practice, it is the actual results that count, and this is where Swaper excels! No failures, no repayment problems and no nasty surprises.

My investment with Swaper: Over €5,000

I have been active on Swaper since 2018, but for a long time I only invested small amounts of up to €2,000. However, the transparency offensive of recent months has completely won me over:

• My investment has since grown to over €5,000.
• In total, I earned over €400 in interest.
• Swaper accounts for only 1.3% of my portfolio.

The reason for this low percentage is not the poor quality of the platform – quite the contrary! My entire portfolio has grown to over €400,000, so the approximately €5,000 for Swaper is less significant. However, I will continue to increase my investment here.

So if you’re looking for a Bondora Go and Grow alternative with significantly higher returns and the same flexibility, Swaper is definitely worth considering.

77/100

Points

Return: 14-16% interest

Investors: over 21,000

Only with this link: 2% bonus interest

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Bondora Alternative 2: Monetfit

Monefit is probably the most direct Bondora alternative: the provider has copied the business model quite clearly. Is that a bad sign? Not at all! It is an extremely attractive platform that need not shy away from comparison with Bondora!

Invest flexibly with tiered interest rates

In just a few years, Monefit has grown from a newcomer to a popular platform with a reliable track record. As an investor, you have two options here:

• Smartsaver: The ‘standard function’ of the P2P platform, which is ideal as a Bondora alternative. When you deposit money into your Monefit account, it is automatically invested in Smartsaver and earns 7.5% interest per annum. Withdrawals are possible at any time and your money will arrive in your account within 10 working days at the latest.
• Vaults: With Vaults, Monefit has created an additional feature that appeals to many investors. Here, you tie up your capital for 6 to 24 months and receive higher interest rates of up to 10.5% in return. However, as there is no option for immediate payout, Vaults are less suitable as a Bondora alternative.

Monefit therefore outperforms its competitor Bondora with a Smartsaver and offers an additional alternative for those who want to commit for longer with its Vaults. Exciting additional offers, such as a savings plan, round off the range of services.

Strong credit company, but slow payout

A clear advantage of Monefit is that the platform is backed by a real heavyweight:

• The offer is backed by the Creditstar Group, which operates in eight countries.
• It generated over €7 million in profits in 2024.
• The balance sheet total is over €200 million.
• This makes Monefit significantly larger than most other P2P platforms!

But of course, not everything is perfect here either: you can withdraw your money at any time, but the payout can take up to 10 working days. For those who are in a hurry and want to park their emergency fund here, for example, this could be too long.

For me personally, however, this timeframe is perfectly fine – especially since, in practice, the money often arrives in my account much faster. Monefit therefore remains a very good Bondora alternative for me.

How do I invest with Monefit?

It’s no secret that I’m a big fan of Monefit: I invested right from the start of the platform and have since increased my investment amount significantly!

• I currently have over €13,000 invested with Monefit.
• Around €8,000 of this is invested in Smartsaver, the Bondora Go & Grow alternative.
• Over €5,000 is in vaults, where I earn up to 10.52% with a longer commitment.

Monefit is therefore one of the largest P2P positions in my portfolio. Due to its strong performance, I will continue to expand my investment here in the future.

80/100

Points

7,5% interest credited daily

Available again quickly

€5 + 0.5% extra bonus through our link

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This is what your investment could look like with Bondora alternatives

My recommendation for the best Bondora alternative is a mix of the three providers Monefit, Swaper and Bondora. I have a separate segment for ‘flexible investments’ of €22,000 in my portfolio, which I divide between the three platforms as follows:

1. 15% at Bondora

Despite low interest rates, Bondora remains an interesting addition to a P2P portfolio. I have invested approximately €3,300 here, which corresponds to about 15% of my flexible capital. I do not anticipate increasing this amount further. Should I require funds, I will withdraw them from here first.

2. 25% for Swaper

Swaper is the Bondora alternative with the highest interest rates. I currently have €5,700 invested here, which is around a quarter of my flexible investments. Anyone looking for a higher return could increase this share even further.

3. 60% at Monefit

Monefit is clearly the best Bondora alternative and therefore receives the largest share. With 7.5% interest and fast availability, the platform has become an important pillar in my P2P portfolio and consistently performs excellently in P2P lending rankings.

85/100

Punkte

Yield: 6.00% interest

Investors: over 460,000

€5 bonus upon registration

REDEEM BONUS*

My conclusion: There are Bondora alternatives for every type of investor.

Bondora is one of the largest and most popular providers in the P2P sector, but following an interest rate cut, more and more customers are looking for an alternative. Fortunately, the market has grown significantly in recent years! Today, there is a suitable platform for every type of investor:

• Swaper is an exciting Bondora Go & Grow alternative where you can earn exactly double the interest: 12% per annum is possible here! In return, however, you have to set up a one-time auto-invest function and sell lending first when making withdrawals. It’s not a lot of effort, but it’s definitely less straightforward than Bondora’s one-click solution.
• Monefit has copied the Bondora concept exactly, but improved it significantly: 7.5% interest with daily payouts and exciting additional offers are attracting investors. The only disadvantage is that it can take up to 10 working days for the money to arrive in your account.
• You shouldn’t completely write off Bondora: despite the rather low interest rates of only 6%, an investment can still be worthwhile. Above all, the very fast availability makes the offer interesting for people who are looking for an alternative to instant access savings accounts.

Flexible investments, such as Bondora and the alternatives they offer, also play an important role in my portfolio. I currently have €22,000 invested in such offers. Of this, 60% is in Monefit, 25% in Swaper and 15% in Bondora.

Such (or similar) allocation could also be beneficial for you, as it reduces risks while offering attractive interest rates and high availability!

You can find out more about the three providers in my Bondora review, Monefit review and Swaper review. igen structure. Bondora no longer plays a major role in my portfolio.

FAQ: Frequently asked questions about Bondora alternatives