How do I add money to my Bondora account?

You have four options to add money to your Bondora account: SEPA transfers, Trustly, iDEAL|Wero, and card payments. They are all easy and almost instant!

1. SEPA transfers and payments through your online bank

1. Log in to your Bondora account.
2. Use the online payment information that's displayed on the dashboard to make a payment to Bondora.
3. Log in to your online bank, make a new payment, and add the relevant payment details. Please include your reference number and your name in the payment information. 

Receiver: Bondora AS

IBAN account no: EE937700771004427510

Bank: AS LHV Pank

BIC/SWIFT: LHVBEE22 (XXX)

Reference number: Use your unique reference number found on your dashboard

Reference text: Use your unique reference text found on your dashboard

Address: Tartu mnt 2, 10145 Tallinn, Estonia

SEPA payments will generally arrive in your Bondora account within a few hours. Depending on the bank, the transfer may take up to 3 business days. On holidays and weekends, it may take longer to reach your account.

Also, please confirm the exact costs with your bank before transferring money. If your bank also levies a charge on the payment receiver, then these charges will be added to your monthly repayments.
 

2. Trustly

Trustly makes the payment directly from your online bank, so your payment is confirmed immediately. It's secure, free, and you don't have to register for Trustly. You just need your internet bank login details to pay via Trustly.

1. To make a payment, log into your account and switch from the default bank transfer option to Trustly.
2. Enter the amount you want to add to your account and click on “Add funds”.
3. Next, find your bank and log in to your internet bank. The payment will be confirmed immediately and added to your Bondora account within minutes. If your bank is not on the Trustly list, please use the SEPA transfer option instead.

Important: If you use Trustly, you can only use the unique reference number generated for each new transfer. You'll see this reference number in the Trustly window when you're making a payment from your Bondora account. If you accidentally re-used a previously generated reference code and sent your money directly to Trustly’s bank account, please contact Trustly’s customer support directly. Once you've provided them with proof of payment, Trustly will refund your money directly.

Trustly payments can only be made by logging in to your Bondora account. If you want to make a transfer from your Internet bank, please use the SEPA transfer option.

Important: once you've completed the process, we recommend you send proof of payment.
 

3. iDEAL|Wero

Just like with Trustly, iDEAL|Wero allows you to make payments directly from your online bank, so your payment is confirmed almost immediately. It’s secure, free, and you don’t need to register separately. You only need your internet banking login details to complete the payment.

1. To make a payment, log into your account and switch from the default bank transfer option to iDEAL|Wero.
2. Enter the amount you want to add to your account and click on “Add funds”.
3. Select your bank and log into your internet bank to confirm the payment. The payment will be processed instantly and added to your Bondora account within minutes.

Important: Each iDEAL|Wero payment is processed securely through your bank. Always complete the payment within the payment window shown after initiating the transaction.

If you use iDEAL|Wero, make sure you always complete the payment through the Bondora platform. Please, do not attempt to send funds manually outside of the payment flow, as this may result in delays or failed transactions.

iDEAL|Wero payments can only be made by logging into your Bondora account. If you prefer to make a manual transfer from your bank, please use the SEPA transfer option instead.

Important: once you’ve completed the process, we recommend you keep proof of payment for your records.
 

4. Card payment

1. What is automated card payment?

Automated card payment allows you to link your debit card to your Bondora account so your monthly installment is charged automatically on the due date. This helps you avoid missed payments and potential late fees.

2. How do I link my card for automatic payments?

To add your card:

1. Go to your Bondora dashboard.

2. Enter your card details.

3. Tick the checkbox confirming:

   “By linking your card to Bondora account, you allow automatic installment payments. You can cancel anytime. By continuing, you accept the Terms of Use.”

4. Click Add card and complete the secure verification process.

Once successful, you will see:

• The last four digits of your card

• Your next payment due date

• The payment amount

You can edit or remove your card anytime.

3. What types of cards are accepted?

In all core markets except Spain, only debit cards are accepted. Credit cards are not supported (as per acquirer bank settings).
 

4. Is my card information secure?

Yes. Card data and authorization are handled securely by EveryPay. Bondora does not store your full card details.
3D Secure (3DS) authentication is mandatory by default to ensure additional protection.
 

5. When will the automatic payment be charged?

The first attempt is made on the due date

If the payment fails (for non-permanent reasons), retries are scheduled as follows:

• 2nd attempt: 2 business days later

• 3rd attempt: 7 business days after the first attempt

Retries happen only if the failure was not caused by a permanent (hard) decline and the card is not suspended.
 

6. What happens if my payment fails?

If a payment attempt fails:

• You will receive an email notification explaining what happened.

• We will automatically retry the payment (if applicable).

• You can log in to:

  • Make a manual payment

  • Update your card details

Common reasons for failure:

• Insufficient funds

• Expired card

• Bank decline

• Temporary banking issues

7. Can I cancel automatic payments?

Yes. You can remove your linked card anytime from your dashboard. Automatic payments will stop immediately after removal.
 

8. Will I receive confirmation of successful payments?

Yes. After a successful payment, you will receive a confirmation email and your dashboard will reflect the updated status.
 

9. Do I need to authorize every payment?

No. Once you authorize automatic payments during card linking, future installment payments are processed automatically according to the agreed schedule.