Bondster Review 2025: a Safe Platform with Great Returns
A comprehensive review of the Bondster P2P lending platform covering returns, safety features, and investment strategy
Quick Verdict
Bondster offers attractive returns of 14.77% with strong safety features including 60-day buyback guarantees and collateral-backed loans. However, recent issues with late loan repayments and fund withdrawals mean I cannot currently recommend the platform until these issues are resolved.
Try BondsterWhat is Bondster?
As for all Peer-to-Peer lending platforms, Bondster is a financial platform that matches borrowers with investors, that will lend money on the platform in exchange of interests on loans. Bondster is based in Czech Republic, and allows investors to invest in Euros but also in Czech crowns.
They currently have over 19,000 investors, with 184M Euros worth of loans already funded on the platform. They have been active since 2017, which makes a platform with already some good track record to look at.
What Returns Can You Expect?
Real returns based on my investing experience
Bondster currently advertises returns of 14.77% on average, putting it on the top of similar platforms in the field in terms of returns.
Note that there are no fees to invest on the platform if you invest in EUR, and there is a 1% annual fee if you decide to invest in CZK.
Is Bondster Safe?
Key safety features and regulatory compliance
60-Day Buyback Guarantee
All loans are covered by a 60-day buyback guarantee, providing protection for your investments.
Collateral-Backed Loans
All loans are attached to collateral like property or assets (e.g., cars) that will be used if loans aren't repaid.
Transparent Statistics
Very detailed statistics page showing the percent of loans that are late or going to default, with less than 1% reaching buyback phase.
Licensed Platform
Operating with a financial license in Czech Republic, ensuring regulatory compliance and oversight.
🔒 Risks & Guarantees
On Bondster, all loans are covered by a 60 days buyback guarantee, which is already a good point for the platform. Note that you can also invest in some real estate projects via the platform, however the returns on those projects are lower than the other loans proposed by the platform.
All loans are also attached to a collateral like a piece of property or other assets like a car, that will be used in case the loan is not paid back in time. They are also very transparent on the amount of loans being funded on the platform, with a very detailed statistics page showing the percent of loans that are late or going to default. There are actually very limited amount of loans that even go into the buyback phase, with less than 1% on all loan originators.
🏢 The Company & Team
Bondster is a company operating from Czech Republic, and they have a financial license to operate in this country. As I mentioned earlier, they are completely transparent about their numbers and publish them monthly on their statistics page.
They also are completely transparent about their team on their website, with a complete description of the role of each person in the team, which is also something I appreciate seeing on a platform. I for example checked the profile of their CEO, Pavel Klema, who has 14 years of experience working in the financial services field.
📋 Loan Originators
I also always like to have a very close look at loan originators that a platform uses, as this is usually where a platform will fall short if anything bad happens like a financial crisis.
What I really liked on Bondster is that they are fully transparent about their loan originators as well, and display them on a page directly accessible from their main page. They mostly have loan originators from Czech Republic as well, but also from Spain and Russia. They also provide direct links to the financial statements of the loan originators, which is really nice to see as well.
Getting Started on Bondster
Open and Verify Your Account
Create your account and complete the verification process. This was done really quickly and completed within 2 minutes.
Deposit Funds
Deposit money via simple bank transfer. You can choose to deposit in either EUR or CZK depending on your preferred currency.
Set Up Auto-Invest Strategy
Configure the auto-invest function with your preferred parameters: desired yields (above 10%), loan terms (less than 6 months), and minimum investment amount per loan.
Activate and Start Earning
Activate your investment strategy and the auto-invest function will automatically invest your money. You'll immediately start generating returns on the platform.
Pros & Cons
✅ Pros
- ✓High average returns of 14.77%
- ✓60-day buyback guarantee on all loans
- ✓All loans secured with collateral (property or assets)
- ✓No fees for EUR investments
- ✓Transparent statistics and reporting
- ✓Licensed platform operating from Czech Republic
- ✓Detailed loan originator information available
- ✓Easy-to-use auto-invest function with customizable parameters
- ✓Strong track record since 2017
- ✓Less than 1% of loans go into buyback phase
❌ Cons
- ✗Recent issues with late loan repayments reported
- ✗Problems withdrawing funds from the platform
- ✗1% annual fee for CZK investments
- ✗Limited to Czech, Spanish, and Russian loan originators
- ✗Platform currently not recommended by reviewer due to recent issues
My Experience with Bondster
Having been an investor on the platform since 2021 it is too early to talk about my own average returns, but so far everything went smooth on the platform.
Important update: Due to recent issues with late loans repayments & with withdrawing funds from the platform, I cannot recommend investing on this platform anymore. I contacted the platform about it and will update the review as I receive an answer from them.