Peer-to-Peer Lending Platform Review: Bondora

As you might know, I diversified my Peer-to-Peer lending investments over several platforms, mainly across Europe at the moment. Between all those platforms, the first one I ever invested on is the Bondora platform, which is still the biggest position in my P2P lending portfolio.

In this article, I will review the Bondora platform, on which I invested about one year ago. I will tell you more about the platform, what is the current state of the available loans there, and finally I will tell you about my portfolio on this platform & how it is performing after one year of investing.

The Bondora Platform

Bondora is a P2P lending platform based in Estonia, and the biggest in the world using the Euro as the main currency. According to their website, they processed more than 1 billion of Euros of loans since they opened in 2009. The platform is accessible to most investors based in Europe, and they are currently serving loans in Estonia, Finland and Spain.

Like many other platforms in Europe, they have no fees for investors on the primary market. The only fees you would have to pay is when you invest on the secondary market (buying shares in loans other people already invested in), but that’s not something I did at the moment.

Interface & Available Loans

Let me now tell me a bit more about the interface of the platform, and also about what kind of loans are available at the moment. Since I invested in my very first P2P lending loan on this platform a bit more than one year ago, the interface changed a lot.

At the heart of the interface is the dashboard, on which you can also find the portfolio manager:


Bondora has the most easy portfolio manager interface I know, as they have three clear choices of portfolio manager. It is a pity that they removed their ‘custom’ portfolio manager in 2015, which allowed to define your own filters for your investments. However, as I do not want to manage my investments day after day anymore, I am now using their portfolio manager in the most conservative mode, which is giving me good results so far (more on that later).

They also have a very good interface for the filters, which changed a lot since I first invested there. You can basically filter the loans on every possible data available about them:


This allows to quickly browse through available loans in case you are investing manually. At the time I wrote this review, there was about 100 loans available on the platform, including several loans in the best ratings available on the platform.

Current Portfolio After One Year on Bondora

Let’s now talk about my own portfolio there, and the performances after one year of investing. This is a screenshot from my dashboard:


As you can see, the 14.85% return that I had on the money invested is in line with what is advertised by their “conservative” portfolio manager option.

We can also have a look at the cashflow, which is nearly constantly growing since I first opened the account in February 2015:


So far, I would say I am really pleased by the Bondora platform. They have a huge amount of loans available, which is great if you want to invest significant amounts of money on the platform. They also have a nice & clean interface compared to other platforms. The only things I would like to see in the future are first a real, customisable portfolio manager, and also secure loans like on other platforms like Mintos.

Are you also investing on Bondora? What are your current results? Don’t hesitate to share below!

  • Davor

    Hi Marco,

    thank you for sharing your Bondora performance.
    I am Bondora investor a bit less than a year. My current return on Balanced Risk-Return Strategy is at 19,2% what I find a bit too optimistic. The real return based on my own calculations is around 15%.

    Marcus at http://p2p-anlage.de/2016/08/mein-bondora-portfolio-im-august-2016/ is also sharing his 3 year performance that is very impressive.

    Have you considered using manual investing for maximizing returns?

    Wish you successful investing.

    • Hi Davor, thanks for your comment! For now the time it will take is an issue for me, I can’t really dedicate time for manual investing. However if they ever implement a better autoinvestment feature where you can set your own filters (like Mintos), I’d definitely use that to maximise my returns.

  • Oliver

    Hello Marco!

    Great article!

    You can use some filters with the Bondora API. There is also special sites like https://beeplus.me/ , which use the API and allow to set your custom filters for automated investing.

    I have one question too. How do you calculate your ROI in p2p lending? Do you use XIRR or something else?

    Good luck in your investments,