{"id":297433,"date":"2026-07-28T08:17:00","date_gmt":"2026-07-28T08:17:00","guid":{"rendered":"https:\/\/northern.finance\/uncategorized\/monefit-vs-bondora-the-big-comparison-2025\/"},"modified":"2026-10-07T18:49:12","modified_gmt":"2026-10-07T18:49:12","slug":"monefit-vs-bondora","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/monefit-vs-bondora\/","title":{"rendered":"Monefit vs. Bondora: The Big Comparison 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Both Monefit, from the Creditstar Group, and Go &amp; Grow, from Bondora, are among the most popular investment products in Europe. Both platforms offer high liquidity and provide investors with returns of between 6 per cent and 7.5 per cent per annum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But how sound are the parent companies behind these platforms really, and is it worth investing given the risk involved for investors? In today\u2019s Monefit vs. Bondora report, we examine the companies\u2019 financial performance and analyse the legal risks investors should be aware of.<\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">Both the Bondora Group and the Creditstar Group will achieve record profits in 2025.<\/li>\n<li class=\"infobox-li\">The legal structure differs clearly from that of Ventus Energy, as, to the best of our knowledge, Bondora and Creditstar do not operate a deposit-taking business.&nbsp;<\/li>\n<li class=\"infobox-li\">Investors in Monefit and Go &amp; Grow do not benefit from statutory deposit protection or fixed interest rates; however, the interest rates are higher than those offered by traditional instant-access savings accounts.<\/li>\n<li class=\"infobox-li\">The current performance of the two parent companies suggests that investors can look forward to attractive interest rates in the future as well.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Monefit vs. Bondora: How high is the risk for investors?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both Creditstar and the Bondora Group are two experienced players in the P2P market and operate two of the most popular platforms in Europe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On Creditstar\u2019s platform <strong>Monefit, investors receive up to 7.5 per cent interest<\/strong> with daily payouts.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"491\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-5-1024x491.png\" alt=\"\" class=\"wp-image-343139\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-5-1024x491.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-5-300x144.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-5-768x369.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-1-5.png 1363w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">On Bondora\u2019s <strong>Go &amp; Grow platform, investors can earn up to 6 per cent a year<\/strong>, with daily payouts.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"488\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-2-5-1024x488.png\" alt=\"\" class=\"wp-image-343145\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-2-5-1024x488.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-2-5-300x143.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-2-5-768x366.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-2-5.png 1363w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>financial reports of the Bondora Group and Creditstar<\/strong> for the year 2025 have been publicly available for a few days now, and I have analysed both in detail.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They reveal some exciting developments that are relevant to both investors and non-investors. You can find out more about the group\u2019s most exciting developments in my latest <a href=\"https:\/\/northern.finance\/erfahrungsbericht\/monefit-erfahrungen\/\">Monefit reviews<\/a> and <a href=\"https:\/\/northern.finance\/en\/review\/bondora-review\/\">Bondora reviews<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both companies are currently in a very strong financial position and reported robust profits for the past year of \u20ac13.5 million (Monefit) and \u20ac9.5 million (Bondora) respectively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whilst these high profits are certainly welcome, on their own they say little about the security of an investment for investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is because, although high profits are initially good news, they do not automatically protect your investments: <strong>Neither Bondora nor Creditstar are contractually obliged to step in should the loan portfolio fail to generate sufficient interest.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, the record profits show that the underlying loan portfolios are currently performing well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, however, we are primarily looking at the legal risks associated with the two P2P lending providers, particularly with regard to the <strong>BaFin<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this regard, Ventus Energy recently faced serious consequences, as the BaFin suspected the platform of conducting <strong>illegal deposit-taking business<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"417\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-5-1024x417.png\" alt=\"\" class=\"wp-image-343151\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-5-1024x417.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-5-300x122.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-5-768x313.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-3-5.png 1296w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Now, one could argue that an investment in Monefit SmartSaver and Go &amp; Grow bears certain similarities to a call money account \u2013 a product reserved exclusively for banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Such a product, however, would require a <strong>banking licence<\/strong>, which neither Bondora nor Creditstar currently hold. So how high is the risk for investors in Go &amp; Grow and Monefit, and is it worth it given the current interest rate?<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><strong>Criterion<\/strong><\/strong><\/td><td><strong>Monefit (SmartSaver)<\/strong><\/td><td><strong>Bondora (Go &amp; Grow)<\/strong><\/td><\/tr><tr><td><strong><strong>Foundation<\/strong><\/strong><\/td><td>2023&nbsp;<\/td><td>2008<\/td><\/tr><tr><td><strong><strong>Head office<\/strong><\/strong><\/td><td>Tallinn, Estonia<\/td><td>Tallinn, Estonia<\/td><\/tr><tr><td><strong><strong>Management<\/strong><\/strong><\/td><td>Aaro Sosaar<\/td><td>P\u00e4rtel Tomberg&nbsp;<\/td><\/tr><tr><td><strong><strong>Financed loan volume in 2025 (gross)<\/strong><\/strong><\/td><td>533,9 million \u20ac&nbsp;<\/td><td>697 million \u20ac<\/td><\/tr><tr><td><strong><strong>Regulation<\/strong><\/strong><\/td><td>Not regulated as a P2P platform; Creditstar is licensed and regulated in several European countries<\/td><td>Supervised by the Estonian Financial Supervisory Authority; not regulated under MiFID II<\/td><\/tr><tr><td><strong><strong>Annual Report<\/strong><\/strong><\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong><strong>Investors<\/strong><\/strong><\/td><td>48.000+<\/td><td>500.000+&nbsp;<\/td><\/tr><tr><td><strong><strong>Return<\/strong><\/strong><\/td><td>Up to 7.5 % p.a.&nbsp;<\/td><td>Up to 6 % p.a.&nbsp;<\/td><\/tr><tr><td><strong><strong>Buy-back guarantee<\/strong><\/strong><\/td><td>No<\/td><td>No<\/td><\/tr><tr><td><strong><strong>Minimum investment amount<\/strong><\/strong><\/td><td>10 \u20ac<\/td><td>1 \u20ac<\/td><\/tr><tr><td><strong>Auto-Invest<\/strong><\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td><strong><strong>Secondary market<\/strong><\/strong><\/td><td>No<\/td><td>No<\/td><\/tr><tr><td><strong><strong>Bonus programs<\/strong><\/strong><\/td><td><a href=\"https:\/\/northern.finance\/en\/bonus\/monefit-bonus\/\" data-type=\"link\" data-id=\"https:\/\/northern.finance\/en\/bonus\/monefit-bonus\/\"><\/a><a href=\"https:\/\/northern.finance\/en\/bonus\/monefit-bonus\/\">Recommendations and special offers<\/a><\/td><td><a href=\"https:\/\/northern.finance\/en\/bonus\/bondora-bonus\/\" data-type=\"link\" data-id=\"https:\/\/northern.finance\/en\/bonus\/bondora-bonus\/\"><\/a><a href=\"https:\/\/northern.finance\/en\/bonus\/bondora-bonus\/\">Referral schemes and campaigns<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 1: Monefit vs. Bondora \u2013 Interest Rates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">However, as mentioned above, the advantage Monefit has over Bondora is the <strong>higher interest rate<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>1.5% more<\/strong>, this is significantly more attractive than Go &amp; Grow. At first glance, that might not sound like much, but it certainly is \u2013 especially if you\u2019re investing slightly larger sums and want to <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/growing-your-money\/\">grow your money<\/a> as a result.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The coronavirus pandemic led to fluctuating <strong>deposit limits<\/strong> at Bondora. Initially, investors could invest up to \u20ac400 per month via the platform, and this was subsequently raised to \u20ac1,000. Investors wishing to deposit more than this were only offered 4% interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In April 2025, this system was finally abolished and, at the same time, <strong>interest rates fell from 6.75 per cent to 6 per cent<\/strong>. This interest rate remains in force to this day.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"745\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-13-1024x745.png\" alt=\"\" class=\"wp-image-332183\" style=\"aspect-ratio:1.3745134824853695;width:571px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-13-1024x745.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-13-300x218.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-13-768x559.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-13.png 1520w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">With Monefit, the interest rate was slightly higher from the outset, at a minimum of 7.25 per cent, and those who invested more could earn even more. However, this model has been adapted to benefit investors, meaning that <strong>every investor now receives 7.5 per cent interest<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"888\" height=\"1024\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-12-888x1024.png\" alt=\"\" class=\"wp-image-332177\" style=\"aspect-ratio:0.8672025439448812;width:504px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-12-888x1024.png 888w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-12-260x300.png 260w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-12-768x886.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-12.png 980w\" sizes=\"(max-width: 888px) 100vw, 888px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exclusive Northern Finance promotional Vault on Monefit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The new <strong>Monefit app for Android and iOS<\/strong> is finally available and, to mark the occasion, we\u2019ve launched an exclusive promotion in partnership with Monefit.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"460\" height=\"1000\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-6.png\" alt=\"\" class=\"wp-image-344416\" style=\"width:306px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-6.png 460w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-6-138x300.png 138w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">What are the benefits for you? It\u2019s very simple: <strong>We\u2019re increasing your interest rate for a 12-month Vault from 9.42% to 10%<\/strong> \u2013 with the exclusive \u201cNorthern Finance Vault\u201d. As the name suggests, this is available exclusively to the Northern Finance community.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here\u2019s how to access the exclusive Northern Finance Vault:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The 10% interest rate is reserved exclusively for the Northern Finance community.<\/li>\n\n\n\n<li>Click on the <a href=\"https:\/\/monefit.com\/de-de\/smartsaver-aleks-bleck\/\" target=\"_blank\" rel=\"noopener\">registration link<\/a>. Only via this link will you be able to access the promotional Vault.<\/li>\n\n\n\n<li>In addition, you\u2019ll receive a \u20ac5 bonus plus 0.5% on your investment during the first 90 days.<\/li>\n\n\n\n<li>This Vault pays out interest monthly, not daily.<\/li>\n\n\n\n<li>Important to note: the promotion is valid until 26 October.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Following requests from many investors, Monefit has now launched an app in addition to its web version.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can easily find the Monefit app in the App Store and on Google Play. As it was only released a few days ago, there are no reviews available yet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019ve downloaded it, log in as usual with your credentials and you\u2019ll be taken straight to the overview.<\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">Set up two-factor authentication to provide extra protection for your account.<\/p> \n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"638\" height=\"1394\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-2-5.png\" alt=\"\" class=\"wp-image-344410\" style=\"width:305px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-2-5.png 638w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-2-5-137x300.png 137w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-2-5-469x1024.png 469w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">At first glance, the design of the new Monefit app is reminiscent of Revolut\u2019s. This is definitely a positive aspect, as the app features a clear and modern layout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also handy that you can see not only the value of your deposit but also the <strong>daily interest<\/strong>. In my case, that\u2019s \u20ac3.80 a day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The features you\u2019re used to, such as \u2018Passive Income\u2019 and \u2018Auto-Invest\u2019, are also accessible with just a few clicks. You can also easily adjust the amount you want to invest monthly via Auto-Invest using the app.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s also particularly handy to be able to make your <strong>withdrawals<\/strong> directly from the \u2018Main Account\u2019 tab. Tax statements, however, aren\u2019t yet accessible via the app. For the time being, you still need to download them via the web version.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I can\u2019t wait to see how the app develops in the future, and I\u2019m proud to be <strong>the first YouTuber and blogger<\/strong> to have entered into an exclusive partnership with Monefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The bonus is available until 26 October<\/strong>. So make sure you claim it today!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 2: Monefit vs. Bondora \u2013 Liquidity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Monefit SmartSaver and Bondora\u2019s Go &amp; Grow promise their investors <strong>high liquidity and rapid payouts<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s take a closer look at the financial performance of the parent companies behind them to find out whether this promise can be kept in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bondora Group Performance 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revenue growth:<\/strong> The Bondora Group\u2019s revenue rose from \u20ac52.6 million in 2024 to \u20ac62.7 million in 2025, representing an increase of 19.2 per cent.<\/li>\n\n\n\n<li><strong>Profit:<\/strong> The strong revenue growth has also led to a veritable surge in net profit. In 2025, the Group generated a profit of around \u20ac9.5 million \u2013 almost ten times that of the previous year, 2024 (around \u20ac1.2 million), which was marked by significant macroeconomic challenges. The cash reserve amounts to \u20ac20.4 million.<\/li>\n\n\n\n<li><strong>Profitability: <\/strong>The return on equity (ROE) jumped from 6 per cent in 2024 to an impressive 40 per cent in 2025.<\/li>\n\n\n\n<li><strong>Dividend policy:<\/strong> Despite the strong profit growth, the Board has decided to retain the entire net profit and not to pay out any dividends. The company wishes to finance its growth increasingly from its own resources and is therefore deliberately not pursuing a dividend policy.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"831\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18-1024x831.png\" alt=\"\u00d6ffentliche Zahlen von Bondora\" class=\"wp-image-339667\" style=\"aspect-ratio:1.2322522341600561;width:643px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18-1024x831.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18-300x243.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18-768x623.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18-1536x1246.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-18.png 1984w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Creditstar Group Performance 2025:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Revenue growth:<\/strong> The Creditstar Group achieved a significant increase in revenue in 2025. This rose from \u20ac74.0 million in the previous year to \u20ac110.9 million, representing growth of 49.8 per cent. This marked the first time in the company\u2019s history that the \u20ac100 million revenue mark had been exceeded.<\/li>\n\n\n\n<li><strong>Profit:<\/strong> The strong revenue growth is also reflected in the annual results. In 2025, the Group achieved a net profit of around \u20ac13.5 million, exceeding the previous year\u2019s figure of \u20ac7.2 million, which corresponds to an increase of 85.9 per cent. At \u20ac46.8 million, the cash reserve is more than twice as high as that of the Bondora Group.<\/li>\n\n\n\n<li><strong>Profitability:<\/strong> The return on equity (ROE) also developed very positively. It rose from 11.3% in 2024 to a strong 17.3% in the previous year.<\/li>\n\n\n\n<li><strong>Dividend policy:<\/strong> Despite the very positive business performance, Creditstar again refrained from paying a dividend in 2025. Instead, as is the case with the Bondora Group, the profits generated remain entirely within the company.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"402\" height=\"568\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-6.png\" alt=\"Profit der Creditstar Group\" class=\"wp-image-339583\" style=\"width:338px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-6.png 402w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-6-212x300.png 212w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">At the same time, however, Creditstar also has significantly <strong>higher debt<\/strong> than the Bondora Group, arising from the company\u2019s <strong>bonds<\/strong>. Creditstar is therefore reliant on these higher reserves should the bonds fall due.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is not the case with Bondora, as the company is primarily financed through its Go &amp; Grow investment product.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"313\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8-1024x313.png\" alt=\"\u00d6ffentliche Zahlen Monefit\" class=\"wp-image-339601\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8-1024x313.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8-300x92.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8-768x235.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8-1536x470.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-8.png 1902w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Monefit is the right choice for you if you don\u2019t need immediate access to your investment and would rather <strong>let your money work for you in the medium to long term<\/strong>. Especially if you don\u2019t rely on constant liquidity in your day-to-day life, this model could well be worthwhile for you and offers <strong>more attractive interest rates<\/strong> in return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here\u2019s how withdrawals work with Monefit compared to Bondora:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An <strong>instant withdrawal of up to \u20ac1,000 per month<\/strong> is possible via SmartSaver. These smaller amounts are therefore immediately available to you, which is sufficient for many investors.<\/li>\n\n\n\n<li>As soon as you wish to withdraw larger amounts, you\u2019ll need to be a little patient. Any <strong>transfer over \u20ac1,000<\/strong> can still take <strong>up to 10 working days<\/strong>.<\/li>\n\n\n\n<li>For me, this is the biggest drawback compared to Go &amp; Grow, where the entire amount lands in your account within seconds.<\/li>\n\n\n\n<li>This <strong>limited liquidity<\/strong> means that Monefit is less suitable as a short-term parking place for your money, but should instead be used for <strong>long-term wealth accumulation<\/strong>.<\/li>\n\n\n\n<li>If you\u2019re prepared to forego maximum flexibility in exchange for a higher return, then Monefit is the better choice for your portfolio.<\/li>\n<\/ul>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/1psx1U0KysM?si=y5XkQtTbNRIZntYk\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen=\"\"><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 3: Monefit vs. Bondora \u2013 Regulation and BaFin Risk<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you make a transfer to your Go &amp; Grow account, Section 626 of the <strong>Estonian Law of Obligations<\/strong> applies. As an investor, you thereby instruct Go &amp; Grow to manage your money, which is channelled into loans intended to generate up to 6 per cent for you annually.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora aims to safeguard this 6 per cent using the <strong>return buffer<\/strong> that the company has built up over recent years. The figure below shows that this will have risen to 13.10 per cent by 2026.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1024\" height=\"936\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-9-4.png\" alt=\"\" class=\"wp-image-343157\" style=\"aspect-ratio:1.0940292852526243;width:480px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-9-4.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-9-4-300x274.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-9-4-768x702.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">A look at Monefit\u2019s terms and conditions also shows that, as an investor, you grant the company a mandate within the meaning of Section 626 of the Estonian Law of Obligations Act, in order to subsequently earn interest of up to 7.5 per cent.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1025\" height=\"140\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-10-5.png\" alt=\"\" class=\"wp-image-343163\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-10-5.png 1025w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-10-5-300x41.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-10-5-768x105.png 768w\" sizes=\"(max-width: 1025px) 100vw, 1025px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">It is also important to note that, in accordance with clause 4.5 of the Terms and Conditions, the balance is used exclusively for the allocation of SmartSaver receivables and <strong>not to finance the parent company, Creditstar<\/strong>. The same applies to investors\u2019 balances with Bondora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Important<\/em><\/strong><em>: You are not granting a loan to Bondora or Creditstar; instead, you are financing the respective loan portfolio and receive a return of up to 6 or 7 per cent interest per annum in return.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This point is also the most important when considering the legal risks that investors might face with Monefit versus Bondora, and it differs quite clearly from the risks associated with <strong>Ventus Energy<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is because, with Ventus Energy, investors lent their money directly to the company. Furthermore, the borrower\u2019s payment obligations were <strong>at least on an equal footing<\/strong> (pari passu) with the claims of other creditors. A clear disadvantage for investors!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, it can therefore be said that both Go &amp; Grow and Monefit have set up a completely different system to Ventus Energy. This is because, with both companies, funds are <strong>not allocated directly to Bondora or Creditstar<\/strong>, but to the underlying loan portfolios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my view, the legal structure differs significantly from traditional deposit-taking business. However, it cannot be deduced from this whether the regulatory authorities share this assessment<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, the returns of 6 per cent and 7.5 per cent for Go &amp; Grow and Monefit SmartSaver respectively are <strong>not guaranteed<\/strong>, but are directly linked to the performance of the loan portfolio.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"245\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-11-7.png\" alt=\"\" class=\"wp-image-343169\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-11-7.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-11-7-300x72.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-11-7-768x184.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Should a crisis arise, both platforms could suspend withdrawals and, where necessary, make <strong>partial withdrawals<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Go &amp; Grow website states the following: <em>\u201cIt may not be possible to liquidate Go &amp; Grow assets or withdraw funds immediately. In this case, we will make partial withdrawals of your total withdrawal amount.\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, these partial withdrawals only had to be introduced <strong>once<\/strong>, during the <strong>Covid-19 crisis<\/strong>. Apart from this isolated incident, the product has performed very reliably in the past.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"245\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-12-4.png\" alt=\"\" class=\"wp-image-343175\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-12-4.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-12-4-300x72.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-12-4-768x184.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bondora and Creditstar can therefore argue to BaFin that:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the return is not guaranteed at any time<\/li>\n\n\n\n<li>and no loan is made to the company itself<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 4: Monefit vs. Bondora \u2013 Loan portfolio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Key figures such as the proportion of <strong>active loans, payment arrears, risk categories and regional distribution<\/strong> provide a much deeper insight into the stability and sustainability of the business model.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both the Bondora Group and the Creditstar Group pursue different strategies when building their portfolios, but place great emphasis on professional risk management and the continuous optimisation of their loan portfolios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A glance at the figures from the Bondora Group\u2019s latest loan portfolio statistics quickly reveals that the company has its loan portfolio well under control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not only has the company expanded its yield buffer to a robust 19.1 per cent, but it is also reporting strong figures regarding the <strong>distribution of the active loan portfolio<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Active loans:<\/strong> Around 80 per cent of all loans granted remain active, whilst payment arrears have remained at a consistently low level over recent years.<\/li>\n\n\n\n<li><strong>Risk classes:<\/strong> The vast majority of the portfolio consists of borrowers with high creditworthiness and low default risks. At the same time, the proportion of the best risk classes (AA to C) is rising steadily.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This strategy is complemented by flexible loan terms, which are tailored to the individual creditworthiness and repayment capacity of the borrowers.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"943\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-1024x943.png\" alt=\"\" class=\"wp-image-343181\" style=\"aspect-ratio:1.2595386549662586;width:682px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-1024x943.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-300x276.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-768x707.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1-1536x1414.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-13-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">For a detailed insight into the performance of the individual markets in which Bondora operates, it\u2019s worth taking a look at my <a href=\"https:\/\/northern.finance\/en\/review\/bondora-review\/\">Bondora review<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Creditstar Group, of which Monefit is a part, is on a growth trajectory. In 2025, the loan portfolio grew by a strong 29 per cent to <strong>\u20ac533.9 million<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, Creditstar has increased both credit limits and loan terms in order to attract higher-income customer groups with better credit ratings, thereby improving the overall quality of the portfolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But what about the repayment performance of the loans?<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"621\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-7-1024x621.png\" alt=\"R\u00fcckzahlungsperformance bei Moneift\" class=\"wp-image-339589\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-7-1024x621.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-7-300x182.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-7-768x466.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/image-7.png 1414w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Active loans:<\/strong> Alongside the growth in the loan portfolio, the proportion of loans repaid on time has also risen significantly. The non-delinquent portfolio increased from \u20ac321.7 million to \u20ac444.3 million.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>31\u201390 days past due:<\/strong> There has been a slight improvement in loans that are 31 to 90 days past due.<\/li>\n\n\n\n<li><strong>More than 90 days in arrears:<\/strong> Despite strong portfolio growth, the volume of receivables more than 90 days in arrears fell from \u20ac64.6 million to \u20ac58.9 million. This means that not only did non-performing loans decline in absolute terms, but their share of the total portfolio also decreased.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The figures from the Creditstar Group\u2019s annual report show that the company has achieved <strong>healthy growth<\/strong> and, by all accounts, is set to continue developing positively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Creditstar has not only significantly expanded its loan portfolio but has also, at the same time, <strong>improved the quality of its loans<\/strong>. For me as an investor, this is a positive sign and encourages me to continue investing with Monefit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Portfolio comparison: How I invest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I\u2019ve been with Monefit and Bondora\u2019s Go &amp; Grow almost from the start and have significantly expanded my portfolio on both platforms over the years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I currently have <strong>\u20ac14,300<\/strong> invested with Monefit. This generates a monthly passive income of around \u20ac90.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1025\" height=\"559\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-15-4.png\" alt=\"\" class=\"wp-image-343187\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-15-4.png 1025w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-15-4-300x164.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-15-4-768x419.png 768w\" sizes=\"(max-width: 1025px) 100vw, 1025px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">My current balance in Bondora\u2019s Go &amp; Grow scheme is <strong>\u20ac12,700<\/strong>. This amount earns me around \u20ac2 in interest every day. Since the start of the year, I have received just under \u20ac300 in passive interest income from my Go &amp; Grow investment.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"575\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-16-1.png\" alt=\"\" class=\"wp-image-343193\" style=\"aspect-ratio:1.7391674047829937;width:508px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-16-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-16-1-300x173.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/07\/Grafik-16-1-768x442.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Having carried out a detailed analysis of both companies, I am satisfied with the overall financial situation of both Monefit and Go &amp; Grow, and will therefore continue to increase my investments in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: The opportunities outweigh the risks on both platforms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both Go &amp; Grow and Monefit SmartSaver are exciting and, above all, high-yield investments, offering investors the chance to earn up to 6 per cent or 7.5 per cent interest per year. Furthermore, investors can withdraw their money on a daily basis, which is arguably one of the biggest advantages of both platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nevertheless, investors should always be aware of the risks involved in any investment. Neither product is as secure as a traditional call money account, although such accounts typically offer interest rates of only around 2 per cent. Investors do not benefit from deposit protection, and the return also depends on the performance of the underlying loan portfolios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The most important legal point, however, is that the Bondora Group and Creditstar Group have structured their terms and conditions and products in such a way as to clearly distinguish themselves from deposit-taking businesses, as was the case with Ventus Energy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And given the very reliable interest payments from both platforms, the risk-return ratio works for me here. Take a look at my <a href=\"https:\/\/northern.finance\/en\/review\/twino-flexi-vs-bondora-go-grow\/\" data-type=\"link\" data-id=\"https:\/\/northern.finance\/en\/review\/twino-flexi-vs-bondora-go-grow\/\">Twino Flexi vs. Bondora Go &amp; Grow<\/a> review if you\u2019d like to know more about these two platforms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ &#8211; Frequently asked questions<\/h3>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-17f9f978 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-334084bc \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong><strong>Is Monefit or Bondora the better choice for investors?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Bondora is a well-established platform that is easy to use and offers reliable returns. Whilst Monefit offers a higher rate of return, investors should also bear in mind the associated risks.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e03f90ac \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong><strong>How do withdrawals work on these platforms?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Both platforms allow their investors to withdraw their money on a daily basis. With Monefit SmartSaver, instant withdrawals of up to \u20ac1,000 are possible; larger withdrawals can take up to 10 working days.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-88904f71 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong><strong>Who is Monefit SmartSaver suitable for?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Monefit is suitable for investors who wish to invest their money for the medium to long term and earn a higher rate of return.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7b2ed7a2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong><strong>Who is Go &amp; Grow suitable for?<\/strong><\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Go &amp; Grow is ideal for investors looking for a straightforward platform who value high liquidity. Investments can be made from as little as \u20ac1.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-fb47b5bb \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Are Monefit and Go &amp; Grow instant-access savings accounts?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>No. With both products, investors are investing in consumer loans and are not covered by statutory deposit protection.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Both Monefit, from the Creditstar Group, and Go &amp; Grow, from Bondora, are among the most popular investment products in Europe. Both platforms offer high liquidity and provide investors with returns of between 6 per cent and 7.5 per cent per annum. But how sound are the parent companies behind these platforms really, and is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":333870,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-297433","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail.png",1920,1080,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail-1024x576.png",1024,576,true],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail-1536x864.png",1536,864,true],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/EN-nf-825-thumbnail.png",1920,1080,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/aleks\/"},"uagb_comment_info":0,"uagb_excerpt":"Both Monefit, from the Creditstar Group, and Go &amp; Grow, from Bondora, are among the most popular investment products in Europe. Both platforms offer high liquidity and provide investors with returns of between 6 per cent and 7.5 per cent per annum. But how sound are the parent companies behind these platforms really, and is&hellip;","permalink_manager":null,"_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/297433","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=297433"}],"version-history":[{"count":32,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/297433\/revisions"}],"predecessor-version":[{"id":344422,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/297433\/revisions\/344422"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/333870"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=297433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=297433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=297433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}