Bondster.com レビュー 135

Good experience so far. Diversification via Autoinvest is possible and minimum invest is 5 Euro. Of course, P2P lending has chances and risks. That´s clear.
But I read some negative comments here that are not really fair or quite naiv. Therefore I would recommend to read some blogs or articles about how to invest P2P before complaining. Risks are part of the game, but this also leads to (possible) high returns.

I'm surprised company has 4 stars rating. (Just look at 5 star reviews here, most of them posted to promote their reference codes..)
I have several loans running late for more than a year.
For this loan I have on CZK account and it's running late for 392 days. You know what's adorable? They still charge me money for having this CZK account open.
That's incredibly bad customer experience.
Also I contacted SIMPujcka regarding the loan and they said there is no loan registered on their side under my name (I've provided them contract that I downloaded directly from Bondster website).

I contacted Bondster on the matter of late running loans like half a year ago, response was simple: loan originator didn't send us money, wait. Same experience as some other people have here (go through reviews) and many others I believe, but just not talking about it.

I have to confirm what others said. Buyback not done in time. Their late loans pile up and Bondster doesn't communicate about their efforts to solve it with the providers. STAY AWAY AS FAR AS YOU CAN!

This will turn out to be another P2P platforms that fails miserably.

Added after Bondsters reply: Best example how toothless these P2P platforms are, once something doesn't go as planned. Instead of getting the money back for the investors, they are at the mercy of the loan originators. Only if they pay back, you will get your money back. Bondster has no way of getting paid.

Of course Corona is the excuse for everything. But what we are witnessing here, is a company that should NEVER be trusted with money.

In addition, if one would have kept his money in the stock market one is way better off, doesnt have to worry about not being able to access the money and doesnt get scammed as easy.

Aktualisierte Bewertung 03.12.2023:
Auf Bondster war ich von 2019 - 2023 investiert und meine Endrendite steht nach Ausfällen bei 2,05%. Wer keine genauen Prüfungen der Kreditgeber vornimmt, der wird hier nicht glücklich werden und früher oder später Verluste erleiden.

Bondster selbst macht auch keinen guten Job die Investoren immer auf dem Laufenden zu halten, sollte es mal Probleme geben. Da ist man bei Mintos besser aufgehoben.

Die Website ist seit Jahren immer noch ziemlich buggy und treibt einen regelmäßig in den Wahnsinn. Ich denke, es gibt bessere Alternativen am P2P Markt.

Excellent platform, one of my favourite p2p

I have been using Bondster app for almost a year. So far it's the best investing platform/tool I have ever tried - and it's also the best earning tool from all the tools I am using. It's better then investment into stocks or mutual funds.

I invest in EUR only and also into offers with
buyback guarantee only. Buyback guarantee means that you don't have to take care much about the debtor's reputation. If the debtor is not able to pay the loans to the creditor, the creditor will promptly return your invested money back to your account which is cool.

My yields is around 14% p.a. these days.

Buyback not done by Lime Mexico, Lime South Africa, Net Gotowka, and SZYBKA POZYCZKA (Polska, Artex), their late loans pile up and Bondster doesn't communicate about their efforts to solve it with the providers. Instead, they say that it is the investor who chooses where to invest and it's her/his responsibility to contact directly the provider and ask what is going on! They don't consider that the platform that offers loans has also duties. Not at all a good and trustful way to handle defaulted or delayed loans, total lack of transparency.

Slowly, as time ticks away, most of your loans run late or default. I have not yet tried all originators, but especially Lime, who has been mentioned here already, should be purged from the platform as they flood it with a huge number of unproductive loans. This situation is worstened by the unclear status 'waiting for entry',

I like the ammount of detail Bondster provides, even though some information is somewhat irrelevant.

Maybe Bondster will find a solution for the problem of a large number of loans running late, In that case, I will post an update.

Update: Bondster has now, two months later, not found a solution to a large loan provider that is not paying out, even after the buyback date has expired. BE WARNED: Buyback is not a guarantee!

Update2: As you see, Bondster acknowledges everything I write in my review and more: They admit I will not recieve interest after the repurchase date. So after that, they put the bill with the investor, instead of hunting down the originator defaulting on his promise. I know times are difficult, but this is a time where you can differentiate the good originators from the bad. Bondster makes a mistake by not being clear about the bad apples and what the consequences will be for those.

Update3: More than a year later, I still have a small amount outstanding on Bondster because two loans (With 'buyback guarantee') are just not paying up. Two short term loans, bought in april last year are still locking up this account.

I´ve been active on the Bondster platform for over 2 years. The platform is comparable to what other P2P platforms offer abroad. The platform has a simple user-friendly interface. The investor can choose to invest in CZK and also in Euros, which is quite unique for the Czech market. So far, there is no secondary market option (although it is planned), and until then there is a large number of guarantees to compensate for it. Czech loans are mostly secured by LTVs or a Buyback guarantee. Foreign loans are secured only by the Buyback guarantee, but you can get (with higher risk) a higher yield of 12 % p.a.

An interesting product that the platform offers is a Smart Reserve. Smart Reserve is basically a loan you can invest in for 3,99 % p.a. but you can exit from any time you want for zero cost and therefore benefit from its high liquidity.

Based on my experience, Bondster has an interesting return on investment- in combination with the amount of risk, diversification into multiple possibilities and liquidity- that each investor can determine for himself. Due to the platform’s clearness and simplicity and also the required minimum amount of initial investment (5 EURO) the platform might be a great tool to start with a P2P investment and to gain first experiences.

Jedoduché a přehledné. Převody peněz přes českou banku, takže pro českého investora rychle. Někdy je docela malá nabídka půjček. Například aktuálně tam není ani jedna investice v CZK.

Uvítala bych mobilní aplikaci a přehlednější rozdělení jednotlivých půjček.

Bondster - temporarily place for your savings
High quality place where you can use your finances effectively. Reliable, clear and easily accessible. Five out of five.

Zatím všechno v pořádku, libí se mi že je přehledné a dobře se orientuje.

Overall, it seems good. This is due to high interest rates on euro loans and the repurchase of non-performing loans, usually within 60 days. Registration is trouble-free. The downside is the smaller number of lenders and less choice and diversity. Some features would like to fine-tune, such as better loan filtering and working with my portfolio. For some lenders, it is good to pay attention to the number of installments in a month, because at 3 installments per month, the principal and interest payments are very small.

The best app to invest in loans. Easy, smart and huge offer for investments.

Bondster being a Czech platform represents a refreshingly good venue for diversification. It is simple to navigate, has a well-working auto invest option and offers attractive interest rates (9-13%). Even those that prefer to choose the loans manually, will be quite content with the offerings. I am patiently waiting for them to introduce an api for better management of the repayments. Currently the system as it is, allows somewhat a hidden "grace period" which can diminish the rate of returns significantly. That is because the originators are allowed to settle payments once a week, so sometimes I end up being paid up to 6days after the actual repayment with no interest for this delay. I intend to up my exposure to some 9% mortgage-backed loans.
I feel the urge to edit my review from a few months ago.
First, in direct communication with Bondster, they promised the introduction of an app by the end of Oct 2019 to optimise the repayment processes. That didn't happen and the situation got worse. Almost all originators use a loophole to pay the already received instalments 6-7 days late. Most long term loans monthly or forthnightly payments are being paid out 14-15 days late even though the originators claim to have received the payments 4-5 days after the scheduled date. Late fee payments for these 14-15 days of delay are not paid. The website does not update the actual loans availability and often there are long list of available loans with 0 to invest in.Sometimes certain numbers are shown as dates.I observed other strange irregularities and I have taken dozens of screenshots to prove my statement. The software gets messier and it looks like the management makes promises but does not care or is unable to sort out various software problems. I spoke with one of the originators' representative and he was not aware of the problem with the late distribution of repayments without the application of late fees. I am in two minds whether to start withdrawing all repayments or to hold hoping things will get better.