Bondster Review – A Personal Experience
With a legal office based in the Czech Republic, Bondster stands as an alternative to crowdlending platforms in the Baltic countries, where the majority have legal offices.
The Autoinvest feature functions effectively. Although there are some late loans, the buyback guarantee operates reliably, if you exclude a few loan originators mentioned below. And there is a high penalty fee in addition to the interest.
On average, I have earned approximately 18% since initiating my investment in June 2022, inclusive of fees for late loans. This makes it the most profitable P2P platform in which I have invested.
Table of contents
Bondster review
Security
- License: No
- Founded: 2017
- Trustpilot: 2.1 (April 2025). Recent reviews complain about vast delayed payments. However, by using these Autoinvest settings, I havn’t experienced any serious delayes.
- Buyback guarantee: Yes
- Diversity: High. 22 countries and 28 loan originators
- Late loans: Many. You receive high pernalty fees for late loans, which makes it the most profitable P2P platform I have invested in.
- Defaulted loans: I haven’t experienced any.
- Withdrawal: Fast.
- Deposit: Fast.
- Chat support: Fast.
Loans
- Interest: 13% in average (up to 18% when including pernalty fees)
- Loan types: Personal and business
- Loan term: 1 month to 4 years
- Available loans: Plenty
- Minimum invest: 5€
- Secondary market: Yes. 0.5% fee per sale:
- Autoinvest: Yes
Recomended autoinvest settings
- Choose Strategy in the top of the desktop website
- Choose Custom
- Currency: Choose EUR in the very top
- Select Custom strategy (Bondster provides this guide)
- Tagit amount: set it a little higher than your account value (the value increases, when you get interest 🙂
- Market: Primary
- Interest rate: 10%-20%
- Term to maturity: 0-2 (3) month
- Buyback: Yes
- Country: all except Russia, Belarrus and Ukrain
- Rating: All (if you don’t choose All, no loans will be found)
- Extending maturity: All (if set to no, not many loans will be found)
- Number of extensions: 0-1
- Loan originators: see updated list of late loan originators. The loan originators on this list are usually excluded from providing new loans.
- Investment per loan: 5 – 10 EUR
- Diversification: Yes (Set it temporary to No, if autoinvest don’t find enough loans)
- Leave all other settings to default (All)
Tax
- Home country: the Czech Republic
- Tax will not be deducted; it’s your own responsibility to declare your earnings to your home country’s tax authority
My advise
I believe that the exceptionally high interest rate compensates for the lower security associated with late loans and the absence of a license. Therefore, I recommend investing a portion of your funds in short-term loans and keeping a close eye on the development of late loans.
Verdict
Pros
- Very High interest rate
- Well functioning auto invest
- High diversifying
Cons
- No license
- Late loans
Bonus offered by Bondster
- Both you and I receive 1% of the amount you invest during the first 3 months
- Get your bonus.
- Or use this referral code: 1000016310
Read more: