{"id":297433,"date":"2026-05-01T08:17:00","date_gmt":"2026-05-01T08:17:00","guid":{"rendered":"https:\/\/northern.finance\/uncategorized\/monefit-vs-bondora-the-big-comparison-2025\/"},"modified":"2026-06-15T11:40:01","modified_gmt":"2026-06-15T11:40:01","slug":"monefit-vs-bondora","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/monefit-vs-bondora\/","title":{"rendered":"Monefit vs. Bondora: Which platform is right for you?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Investors on Go &amp; Grow receive 6% interest, whilst Monefit promises its investors 7.5%. But is the new Go &amp; Grow \u2013 following Bondora\u2019s recent rebranding \u2013 still of interest to investors, or is Monefit currently the more attractive option? In today\u2019s post, we\u2019ll take a detailed look at both platforms and explain when each one is the best choice for you as an investor.<\/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 Monefit and Bondora are similar in essence, but differ primarily in terms of interest rates and how they develop.<\/li>\n<li class=\"infobox-li\">Monefit investors currently receive 7.5% interest, whereas Go &#038; Grow offers just 6% \u2013 and there is a likelihood that this will fall further soon.<\/li>\n<li class=\"infobox-li\">Monefit\u2019s track record shows that, despite having been in existence for only a short time, the platform has developed very positively and is committed to continuous improvement. <\/li>\n<li class=\"infobox-li\">Monefit is a good choice for investors looking for higher interest rates and more customisation options, whilst Go &#038; Grow stands out primarily for its long track record.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Monefit vs. Bondora: How are the platforms performing at the moment?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With both Go &amp; Grow and Monefit, your money is invested in <strong>consumer loans<\/strong>. With Go &amp; Grow, these are loans from the <strong>Bondora Group<\/strong>, whilst with Monefit they are loans from <strong>Creditstar<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both platforms invest <strong>exclusively in European markets<\/strong> such as Finland, the Netherlands or Estonia with Go &amp; Grow, and the UK, Spain or Sweden with Monefit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I have been involved with both Go &amp; Grow and Monefit from the very beginning and have now <strong>invested a total of more than \u20ac23,000<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"317\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21-1024x317.png\" alt=\"\" class=\"wp-image-332231\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21-1024x317.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21-300x93.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21-768x237.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21-1536x475.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-21.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">My investment of just under \u20ac11,300 on Go &amp; Grow earns me <strong>\u20ac1.64 in interest every day<\/strong>. Back in 2018, Bondora was still paying its investors 6.75%, but both the interest rates and the deposit limits have changed continuously.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both Go &amp; Grow (formerly Bondora Go &amp; Grow) and Monefit currently offer investors the opportunity to earn attractive <strong>interest rates of 6% and 7.5% per annum respectively<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, you can withdraw your money quickly from both platforms \u2013 however, there are <strong>significant differences regarding the withdrawal limits<\/strong>, which we will discuss in more detail later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The table below, however, gives you an initial overview of the key differences between the two platforms.<\/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><a href=\"https:\/\/northern.finance\/en\/review\/bondora-go-grow-review\/\" data-type=\"post\" data-id=\"4441\">Bondora (Go &amp; Grow)<\/a><\/strong><\/td><td><strong><a href=\"https:\/\/northern.finance\/en\/review\/monefit\/\" data-type=\"post\" data-id=\"245096\">Monefit (SmartSaver)<\/a><\/strong><\/td><\/tr><tr><td><strong><strong><strong>Launch of the platform<\/strong><\/strong><\/strong><\/td><td>2008 (Bondora)<\/td><td>2023 (SmartSaver)<\/td><\/tr><tr><td><strong><strong>Company<\/strong><\/strong><\/td><td>Bondora AS<\/td><td>Creditstar Group<\/td><\/tr><tr><td><strong><strong>Loan type<\/strong><\/strong><\/td><td>Consumer credit (EU)<\/td><td>Consumer loans (Creditstar)<\/td><\/tr><tr><td><strong><strong>Investors<\/strong><\/strong><\/td><td>511.513&nbsp;<\/td><td>35.000&nbsp;<\/td><\/tr><tr><td><strong><strong>Target audience<\/strong><\/strong><\/td><td>Beginners &amp; passive investors<\/td><td>Investors seeking returns who want flexibility<\/td><\/tr><tr><td><strong><strong>Yield (current)<\/strong><\/strong><\/td><td>ca. 6 % p.a.<\/td><td>ca. 7,5\u201310,5 % p.a.<\/td><\/tr><tr><td><strong><strong>Interest credited<\/strong><\/strong><\/td><td>daily<\/td><td>daily<\/td><\/tr><tr><td><strong><strong>Liquidity<\/strong><\/strong><\/td><td>at any time (in theory, immediately)<\/td><td>up to \u20ac1,000 immediately, the remainder in around 10 days<\/td><\/tr><tr><td><strong><strong>Minimum investment<\/strong><\/strong><\/td><td>from 1 \u20ac<\/td><td>from 10 \u20ac<\/td><\/tr><tr><td><strong><strong>Fees<\/strong><\/strong><\/td><td>None (\u20ac1 payout)<\/td><td>no fees<\/td><\/tr><tr><td><strong><strong>Special features<\/strong><\/strong><\/td><td>extremely simple, long history, high stability<\/td><td>higher returns, term deposits, bonus schemes<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Monefit vs. Go &amp; Grow: A Comparison<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison 1: Monefit vs. Bondora \u2013 The Return<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">However, as mentioned above, the advantage Monefit has over Go &amp; Grow 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. That might not sound like much at first glance, but it certainly is, especially if you\u2019re investing slightly larger sums and want to grow your money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The coronavirus pandemic led to fluctuating <strong>deposit limits<\/strong> at Go &amp; Grow. Initially, investors could invest up to \u20ac400 per month via the platform, then this increased to \u20ac1,000. For investors wishing to deposit more than this, the interest rate was reduced to 4%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In April 2025, this system was finally abolished and, at the same time, the <strong>interest rate fell from 6.75% to 6%<\/strong>. This interest rate remains in place 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\">At Monefit, the interest rate was slightly higher from the outset, at a minimum of 7.25%, 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% 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\">Monefit\u2019s interest rate of 7.5% remains unchanged to this day. However, I am very curious to see whether it will stay at this level in 2026, as <strong>current inflation in the US, Europe and around the world is rising<\/strong>, driven primarily by geopolitical tensions such as the war in Iran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I therefore expect the European Central Bank to <strong>raise the base rate this year<\/strong>, potentially heralding the next shift in interest rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It remains to be seen whether and how Monefit and Go &amp; Grow will pass on the higher interest rates to investors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison 2: Monefit vs. Bondora \u2013 Liquidity<\/h2>\n\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 can certainly be worthwhile for you and offers <strong>more attractive interest rates<\/strong> in return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is because: An <strong>immediate withdrawal of up to \u20ac1,000 per month <\/strong>is possible via SmartSaver. These smaller amounts are therefore immediately available to you, which is already sufficient for many investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, as soon as you wish to withdraw larger amounts, you will need to be patient. Any <strong>transfer over \u20ac1,000<\/strong> can still take <strong>up to 10 working days<\/strong>. For me, this is the biggest drawback compared to Go &amp; Grow, where the entire amount lands in your account within seconds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This <strong>limited liquidity<\/strong> means that Monefit is less suitable as a short-term parking spot for your money, but should rather be used for <strong>long-term wealth accumulation<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, if you\u2019re willing to sacrifice maximum flexibility in exchange for a higher return, then Monefit is the better choice for your portfolio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison 3: Monefit vs. Bondora \u2013 The Features<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For anyone who values a personalised platform, Monefit is the more attractive choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monefit has responded to investors\u2019 desire to increase their <a href=\"https:\/\/northern.finance\/en\/passive-income\/41-ways-to-build-passive-income\/\">passive income<\/a> and has introduced this feature for its SmartSaver. Interest is transferred to the current account on a monthly basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This feature may be of particular interest to investors who, like me, use various vaults, i.e. fixed-income products.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"727\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik4EN-Monefit-Vaults-1-1.png\" alt=\"\" class=\"wp-image-333877\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik4EN-Monefit-Vaults-1-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik4EN-Monefit-Vaults-1-1-300x218.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik4EN-Monefit-Vaults-1-1-768x558.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">In addition, you can specify the date on which you would like to receive the money \u2013 and the further into the future the payout is, the higher the interest rate will be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practical terms, this means that investors: <strong>who invest their capital via the Vault feature for a term of 24 months can earn up to 10.5% interest per year<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"731\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik5EN-Neue-Vault-1-1.png\" alt=\"\" class=\"wp-image-333883\" style=\"width:697px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik5EN-Neue-Vault-1-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik5EN-Neue-Vault-1-1-300x219.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik5EN-Neue-Vault-1-1-768x561.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Bondora, or rather Go &amp; Grow, has seen somewhat less development in terms of its features in recent years, but has nevertheless recently announced an exciting new feature: the Goals feature.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the <strong>Goals feature<\/strong>, investors can better organise their money and build it up in a targeted way. Specifically, it allows users to set savings goals, name them individually and track their progress at any time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The balance continues to earn the <strong>maximum return of 6% per year<\/strong>, regardless of how many goals are set.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"523\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik6-1-1.png\" alt=\"\" class=\"wp-image-333889\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik6-1-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik6-1-1-300x157.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik6-1-1-768x402.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Outlook: How do the platforms finance themselves now and in the future?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In February of this year, <strong>Bondora\u2019s lending volume was lower than new investments<\/strong> <strong>from investors<\/strong>. This was also the case in March. An initial trend is therefore emerging here, suggesting that Bondora currently has too much cash on hand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, Bondora is currently in the <strong>process of obtaining a banking licence<\/strong>. If successful, Bondora will be able to <strong>refinance at significantly lower costs<\/strong> in future than before, meaning that the <strong>returns and interest rates for Go &amp; Grow investors<\/strong> are highly likely to <strong>fall<\/strong> thereafter. At least, that is my assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Creditstar Group, and therefore also its financing platform Monefit, are not currently on the path to becoming a bank. This means the platform will have to continue paying its investors <strong>higher interest rates<\/strong> to remain attractive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So whilst Bondora, through its pursuit of a banking licence, is moving towards an environment of <strong>lower refinancing costs<\/strong>, Monefit must remain rather aggressive in the current interest rate environment and continue to offer higher returns and interest rates in order to attract capital in the future. This naturally plays into the hands of yield seekers like us.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another key difference between Monefit and Bondora is the fact that Monefit\u2019s parent company, <strong>Creditstar<\/strong>, <strong>raises funds through bonds<\/strong>. These are traded on the NASDAQ Baltic, as shown in the figure below. Bondora, on the other hand, still primarily funds itself through its own Go &amp; Grow platform<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"813\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16-1024x813.png\" alt=\"\" class=\"wp-image-332207\" style=\"aspect-ratio:1.2595386549662586;width:682px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16-1024x813.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16-300x238.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16-768x610.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16-1536x1220.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-16.png 2042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"837\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-15-1024x837.png\" alt=\"\" class=\"wp-image-332189\" style=\"aspect-ratio:1.2234379283702614;width:640px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-15-1024x837.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-15-300x245.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-15-768x628.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-15.png 1470w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Creditstar raised \u20ac46 million through its bonds last year. This includes funding sources such as the private lending platform Kilde from Singapore. However, I reckon that Monefit, with its 7.5% interest rate, is the cheapest source of funding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is really behind Bondora\u2019s rebranding?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora recently underwent a <strong>rebranding<\/strong> and turned <strong>Go &amp; Grow into a standalone brand<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At first glance, the changes for investors aren\u2019t particularly significant \u2013 the way things work has largely remained the same \u2013 but in my opinion, this strategic move has deeper motivations that aren\u2019t being discussed yet.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"542\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik9-1-1.png\" alt=\"\" class=\"wp-image-333895\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik9-1-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik9-1-1-300x163.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik9-1-1-768x416.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">It should already be clear to investors that funding from Go &amp; Grow investors is to be clearly separated from the rest of Bondora\u2019s loan portfolio, as well as from a <strong>potential banking licence<\/strong>. Bondora is drawing a clear line here, separating the two divisions even more sharply than was previously the case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will now look in detail at whether an investment on Bondora remains attractive to you as an investor following this measure, or whether Monefit is now the better choice.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/TWLPGGsDoUQ?si=Vw4FaO16v7ttlT4N\" 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<h2 class=\"wp-block-heading\">Is Monefit the better Bondora alternative?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For me, Monefit is currently the better <a href=\"https:\/\/northern.finance\/en\/p2p\/bondora-alternative\/\">Bondora alternative<\/a>. I will continue to invest new funds in Monefit, as I have done previously. Go &amp; Grow certainly has its advantages, particularly when it comes to payouts, but for me, Monefit has caught up significantly in recent years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, alongside <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/set-up-share-savings-plan\/\">my share savings plan<\/a>, I also have my <strong>\u20ac500 savings plan<\/strong> <strong>with Monefit<\/strong> running, which is executed on the 2nd of every month.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"547\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik10-EN-Sparplan-500-1-1.png\" alt=\"\" class=\"wp-image-333901\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik10-EN-Sparplan-500-1-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik10-EN-Sparplan-500-1-1-300x164.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/05\/Grafik10-EN-Sparplan-500-1-1-768x420.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">As soon as Go &amp; Grow shows any signs that interest rates are set to fall in the future, I will certainly withdraw the bulk of my investment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I don\u2019t know exactly how much that will be, as it naturally always depends on the interest rate, but <strong>6%<\/strong> is, to be honest, already the <strong>lower limit<\/strong> for me when it comes to the risk involved in consumer loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because even if Bondora were to obtain a banking licence, there would most likely be no deposit protection for Go &amp; Grow investments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If there were, I\u2019d be happy to correct my statement, but 6% AND deposit protection \u2013 we haven\u2019t seen that anywhere yet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who shouldn\u2019t bother with Monefit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s easy to summarise which investors wouldn\u2019t benefit from switching from Go &amp; Grow to Monefit. If your focus is more on <strong>S security<\/strong> than on returns, Go &amp; Grow is probably the better option for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Added to this is the age of the two platforms. <strong>Bondora was founded back in 2008<\/strong> and can therefore draw on a long history and a wealth of experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consequently, the platform has also weathered crises such as the coronavirus pandemic well, which was not the case for other platforms. <strong>Monefit, on the other hand, was only founded in 2023<\/strong> and is therefore comparatively young.<\/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 (Credistar)<\/strong><\/td><td><strong>Go &amp; Grow<\/strong><\/td><\/tr><tr><td><strong><strong>The 2020 coronavirus crisis<\/strong><\/strong><\/td><td>Repayments have largely been met, though some have been delayed<\/td><td>Interest income remains stable, with payments usually made within a few days<\/td><\/tr><tr><td><strong><strong>Crisis management<\/strong><\/strong><\/td><td>Flexible adjustments to risk and lending<\/td><td>Tried-and-tested systems, with hardly any restrictions<\/td><\/tr><tr><td><strong><strong>Experience<\/strong><\/strong><\/td><td>Benefited from a strong group structure (Creditstar)<\/td><td>Proven in a crisis and reliable as early as 2008<\/td><\/tr><tr><td><strong><strong>Reliability<\/strong><\/strong><\/td><td>Good, but dependent on Creditstar<\/td><td>Very high, thanks to broad diversification and experience with the system<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Nevertheless, it should be noted at this point that, over this period, Monefit has grown to a <strong>comparable size of loan portfolio<\/strong> and has presumably also achieved similar levels of profitability. However, this will become clearer once the forthcoming annual accounts are published.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Creditstar\u2019s currently unaudited annual accounts show the following figures:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac110.9 million in interest income<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac15.3 million in net profit<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac547.0 million in total assets<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Over 1.53 million registered users of credit products<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"373\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17-1024x373.png\" alt=\"\" class=\"wp-image-332201\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17-1024x373.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17-300x109.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17-768x279.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17-1536x559.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/05\/image-17.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Monefit can certainly be worthwhile for certain investors<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I have been investing in Monefit and Go &amp; Grow since the very beginning. I have had good experiences with both platforms, but my <a href=\"https:\/\/northern.finance\/en\/review\/monefit\/\">experience with Monefit<\/a> has become increasingly positive over the years. This is mainly due to the significantly more attractive interest rates that investors receive here \u2013 Monefit offers 7.5% compared to just 6% on Go &amp; Grow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is also a good chance that interest rates on Go &amp; Grow will fall further in the near future. Furthermore, I am impressed by the individual features at Monefit. This shows that the platform is constantly working to improve its products, which pleases me as an investor. For those who need to access all their money in an emergency, <a href=\"https:\/\/northern.finance\/en\/review\/bondora-go-grow-review\/\">Go &amp; Grow<\/a> is the better choice. Those who want to earn higher interest rates are better off with Monefit<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find more exciting platforms in our <a href=\"https:\/\/northern.finance\/en\/p2p\/p2p-platform-rating\/\">P2P platform comparison<\/a>.<\/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>What are the interest rates at Monefit compared to Bondora?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>With Monefit, investors receive 7.5% interest per year, whereas with Go &amp; Grow (formerly Bondora Go &amp; Grow) the rate is just 6%.<\/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>Why might the interest rate on Go &amp; Grow fall further in the future?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Bondora is currently applying for a banking licence. If successful, Bondora will be able to secure cheaper funding in future, which is also likely to lead to a reduction in the interest rate on Go &amp; Grow.<\/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>In which situations is Go &amp; Grow the better choice for investors?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>For investors who prioritise security over returns, Bondora may be the more attractive option. What\u2019s more, investors have quick access to their entire investment here.<\/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>How are interest rates at Monefit likely to develop in the future?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Given the resurgence in inflation, the ECB is likely to raise its key interest rate before the end of the year. There is a possibility that these higher interest rates may be passed on, in part, to Monefit investors.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Investors on Go &amp; Grow receive 6% interest, whilst Monefit promises its investors 7.5%. But is the new Go &amp; Grow \u2013 following Bondora\u2019s recent rebranding \u2013 still of interest to investors, or is Monefit currently the more attractive option? In today\u2019s post, we\u2019ll take a detailed look at both platforms and explain when each [&hellip;]<\/p>\n","protected":false},"author":2,"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\/phil-nf\/"},"uagb_comment_info":0,"uagb_excerpt":"Investors on Go &amp; Grow receive 6% interest, whilst Monefit promises its investors 7.5%. But is the new Go &amp; Grow \u2013 following Bondora\u2019s recent rebranding \u2013 still of interest to investors, or is Monefit currently the more attractive option? In today\u2019s post, we\u2019ll take a detailed look at both platforms and explain when each&hellip;","_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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=297433"}],"version-history":[{"count":25,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/297433\/revisions"}],"predecessor-version":[{"id":337381,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/297433\/revisions\/337381"}],"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}]}}