The platform has over , investors from 85 different countries and boasts historical annual returns between 9. The registration process is very simple and easy.

Initially, new investors are just required to enter a name, email address and phone number into the sign-in form. Once completed, Bondora will send through an email with further instructions on account creation.

Before you make a withdrawal, you will need to supply identification documents to prove your identity. Investments through the primary market in Bondora are only offered through Portfolio Manager or Portfolio Pro.

These are two very similar tools that will automatically match your investment with borrowers. There is no manual selection of loans through Bondora.

Portfolio Manager is a quick way for investors to build a portfolio based on risk appetite. Investors can choose between ultra-conservative to opportunistic.

Based on the risk, the proposed amount to be invested, and the proposed number of years of investment, Bondora provide an expected distribution of loans and an expected return for the time period selected.

Portfolio Pro provides more options and flexibility than the Portfolio Manager, however, you have to access your own risk. Investors can choose loans from certain countries, with certain ratings, for certain time periods and at varying interest rates.

Here, Bondora matches the settings up with the number of loans currently in the system, and also with an expected rate of return.

The Portfolio Manager has been designed as more of a basic automatic investment, which allows investors to select their risk rating and time of investment.

The Portfolio Pro tool has been designed more for investors looking to have control over specific investment settings.

A further difference is that the Portfolio Manager will invest through the secondary market as well as the primary, whereas Portfolio Pro will only match with borrowers from the primary market.

Selecting one does not restrict the others. We have no immediate plans to enter any new markets to offer loans, instead we plan to grow significantly where we are already operating.

This will allow us to scale ethically, build trust and serve customers who need us. Our sole focus is to build a simple service everyone in Europe can use.

We don't focus on onboarding institutional investors, because this often diverts your attention from creating and improving services which cater to the majority of your customers.

You don't need a degree in finance or any experience in investing to get started, you don't have the limitations of liquidity traditionally associated with P2P lending, and you can see your returns added daily.

There's no need for investors to select loans or even an investment risk strategy manually, they simply create the account and we do the rest.

All returns in excess of 6. The response from investors since launching in June has been incredible. As a result of offering a simple service everyone can use and increased trust from investors, we've seen the amount invested each month nearly quadruple compared to 12 months ago.

The advantage for the investor is they can passively make money and earn up to 6. In doing so, Bondora ensures that the selected risks in lending correspond to the expected return.

Thus, the investor can flexibly transfer his money back to a savings account. At the other end of the spectrum, technically-savvy investors are able to write their own program and connect to our API.

You'll need some technical skills with any common coding language to be able to do this. Plus we have Portfolio Manager and Portfolio Pro in between.

My point is, no matter what your own personal strategy and experience is, you're able to invest with Bondora. Our track record and over the past 10 years gives investors' confidence, because let's face it, P2P platforms are still relatively new to the market - with the majority of platforms in the industry launching in the past few years or so.

I run a trading strategy on Mintos. Mintos gives my net annual return as The cause for the huge discrepancy is that Mintos does not account correctly for the cashback of the campaigns.

I heavily traded, when Mogo ran a campaign. Rinse and repeat. I am satisfied with the current degree of diversification over loan originators in my Mintos portfolio.

The lower interest rate loans are usually only held temporary as part of my trading strategy. Mintos is currently not accepting UK investors. Diversification achieved is good.

Most loan terms are 2 or 3 years. But 5 of these had repaid more than half the principal before they want into the default state so the principal in default sums up to only Euro.

My self-calulated XIRR value is 6. Linked Finance is not offering any cashback or bonus rewards for new investors. Bondora is my third largest and oldest still running p2p lending portfolio.

I started in My self calculated XIRR value is A yield that high is not achievable nowadays anymore. I am currently investing into Estonian A and B loans using these autoinvest settings.

I have used these settings unchanged for 11 months now and it is running totally hands-off with no maintenance required. New investors registering on Bondora using this link get a 5 Euro sign-up bonus.

I started in August My money is mostly invested on the Ratesetter 5 year market at an average rate of 9. In the past months the interest rates have dropped considerably therefore I am parking some funds on the 1 month market or invest them on the 3 year market.

I am reinvesting all repayments at Ratesetter Australia. It is a little complicated to register as a non-resident, but I have described how I managed to sign up as a European here.

Achieving that requirement in time will not be easy, even if you start directly. The fifth largest position of my p2p portfolio is invested at Iuvo.

It is running hands-off and does not require any maintenance. I continue to reinvest all repayments. Iuvo pays new investors a very generous cashback of up to 90 EUR.

For more details and how to get it see the cashback overview page. Instead I periodically login and manually invest into a new Estonian loan secured by a first rank mortgage.

I mostly reinvest all repayments. New investors get 0. With the low interest rates and rising defaults 6 out of 52 loans in my portfolio the risk reward ratio is not for my taste anymore.

Not p2p lending but investing in startups. Investing in startups is of course even higher risk than investing in p2p lending.

Nevertheless I went ahead and built a big Seedrs portfolio over the last years. BTW, Riga is an interesting town, if you have not been there yet you could combine the conference with some sightseeing.

Now the Bondora website can be used in 24 languages ranging from Bulgarian to Swedish. Bondora says they have taken this step, because they want to open their doors to Europe and make the platform accessible for all.

Investors feel much more comfortable using a site which is in their native language. Map of the local languages Bondora now supports.

This is a limited time special promotion after which the signup bonus will be 5 EUR again. What is your background and when and why did you join Bondora?

We do not have a decision regarding when we will restart activities in Finland or Spain yet. How do you see the development of regulation on a European level?

What plans does Bondora have for the next year? Bondora was founded in and has nearly 12 years of experience in the market of P2P lending platforms.

Bondora is one of the leading non-bank digital consumer loan providers in Continental Europe. Bondora finances the loans it originates by selling the associated receivables to a retail investor base drawn from 40 countries around the world.

The platform is accessible to most investors based in Europe, and they are currently serving loans in Estonia, Finland, and Spain. Here is a short overview of the benefits which Bondora platform offers to its investors:.

Opening an account with Bondora is straightforward. You will need to provide your names, email address, and phone number. As with any other P2P and crowdfunding platform, to open an account with Bondora is entirely free.

The first thing you need to do is to open an account on their website, which is free. This process takes less than minutes, including the step where you will be asked to verify your identity.

Remember that as with any investing platform — no matter if it is P2P, crowdsourcing, crowdfunding, stocks, or crypto, you will be asked to verify your identity in order to prove that you are a real person and you are not trying to launder money.

Once your account is created and verified, which usually happens immediately, you can then browse loans that are available on the platform to get a good sense of the platform.

To make your first investment, you will need to make a deposit first. You will be provided with four options, but I will show you how to do so in the next section.

Except for the high returns on your investments, another reason to start using Bondora is that it offers several ways to maximize your income, through sign-up bonuses.

If you sign up directly on Bondora. The transfer is usually rapid. I also use Paysera. They offer one of the best and fastest services for SEPA transfers.

Once, my deposit to Bondora was received in 9 seconds! Bondora offers two different types of products with different risk profiles.

The primary market is using the direct investment structure, which means that investors are lending directly to the borrower.

You just have to activate that strategy within your account. This is very cool as you can rename them. Bondora has a relatively high liquid secondary market where investors can buy and sell loans to each other.

Investors can choose to trade either whole portfolios or single loans.