Before you start investing, we need to get to know you a bit better – this helps ensure your safety and allows us to comply with applicable legal requirements. We operate in accordance with the European Crowdfunding Regulation (EU) 2020/1503 and adhere to Lithuanian and international laws related to anti-money laundering (AML) and counter-terrorist financing (CTF).

We follow the Know Your Customer (KYC) principle, which means we ask for some essential information before we can start working together. The entire process is clear, secure, and takes only a few minutes.

You'll be asked to provide your contact details, and for identity verification we use a reliable technological solution – Ondato. The process is done remotely: you'll simply need to take a photo of your ID document and then a photo of yourself, following the provided instructions.

You'll also be asked to complete a questionnaire about your investment knowledge, experience, financial situation, and goals, as well as a loss-bearing ability calculator. This helps us better understand which investment decisions might be most suitable for you.

Finally, we'll ask a few questions related to opening an e-wallet and a securities account – this is mandatory information required by law for the providers of these services.

All the data you provide is processed securely and in accordance with the General Data Protection Regulation (GDPR), and is retained only for the periods required by law. You can find detailed information about data processing and retention periods in our Privacy Policy.

The loss-bearing ability calculator is designed to protect you as an investor. It helps you assess how much loss you could take on without harming your financial security – in other words, how much you could afford to lose if an investment did not perform as expected.

As a general practice, inexperienced investors are advised not to invest more than 10% of their net worth (income + assets – liabilities). It's a simple way to check which investment amount is most suitable and safest for you based on your financial situation.

To be recognized as an experienced investor, please contact us via email at info@bondea.lt and submit documents that demonstrate your investment experience or knowledge. After reviewing the materials, we will inform you of your status.

Each user is automatically provided with a personal electronic wallet on the Bondea platform, where you can see your balance and completed transactions. This wallet is linked to your virtual account, administered by UAB NS Pay – an electronic money institution licensed and supervised by the Bank of Lithuania (license No. 97, 2024-05-14; company code 305652931).

In accordance with the Bank of Lithuania's requirements, NS Pay must keep customer funds separately from its own – in separate accounts with credit institutions.

You can top up your e-wallet in two ways – via online banking or by bank transfer. Top-ups via online banking are credited immediately after payment, while bank transfers may take some time. Topping up the e-wallet in the NS Pay system is free, except when the payment is made via SWIFT instead of SEPA. More information can be found in the NS Pay price list.

If you want to top up your e-wallet from your investment account, please note: for some banks, the investment account does not appear when topping up via online banking – it can only be selected when making a bank transfer. If you do not see your investment account when using online banking, top up your e-wallet by bank transfer from the account you want.

To withdraw funds from your e-wallet, you can do so in the E-wallet section of your account by clicking the "Withdraw" button. In the list of accounts, you will see the account from which you topped up your e-wallet. Select the account and initiate the withdrawal. A withdrawal fee of €1 will apply.

To withdraw funds to an account other than the one used for investment, you must link it in advance. An account can be linked by topping up the e-wallet via online banking (minimum €50) or by making a bank transfer (minimum €1). After the top-up, the specified account will automatically be added to the list of available withdrawal accounts.

Important! From the moment you initiate the withdrawal from the e-wallet, it may take 12–36 hours for the funds to reach your account. Withdrawals are processed only on business days.

An experienced Investor is an investor who understands the risks associated with investing in capital markets and possesses the necessary resources to assume such risks without suffering significant financial consequences.

The following individuals or legal entities are considered experienced investors:

1. Legal entities that meet at least one of the following criteria:

• Own resources of no less than EUR 100,000;
• Net turnover of no less than EUR 2,000,000;
• Total balance sheet of no less than EUR 1,000,000.

2. Natural persons who meet at least two of the following criteria:

• Personal gross income of no less than EUR 60,000 per fiscal year, or a financial instruments portfolio exceeding EUR 100,000, consisting of cash deposits and financial assets;
• The investor works, or has worked for at least one year in the financial sector, in professional positions requiring knowledge of the intended transactions or services, or the investor has held a managerial position for at least 12 months in a legal entity as described in point 1;
• In the past four quarters, the investor has executed an average of 10 transactions of significant size per quarter on capital markets.

A non-experienced investor is an investor who does not meet the criteria of an experienced investor. According to the Crowdfunding Regulation, we are required to distinguish between experienced and non-experienced investors.

An investor is considered non-experienced if they have limited knowledge or experience related to investment services. Such investors can still use the Bondea platform and make investments, but they must be prepared to assume the risks associated with investing.

Additional protection measures apply to non-experienced investors, such as a 4-calendar-day reflection period during which they may cancel their investment.

If you are a non-experienced investor, after signing the agreement you are granted a 4-calendar-day reflection period during which you will have the option to cancel your investment.

If you are an experienced investor, once the bond purchase agreement is signed through the platform, the investment can no longer be cancelled. The invested amount will only be returned upon the maturity of the bonds, as specified in the key investment information sheet.

The reflection period is the time during which a non-experienced investor can change their mind and cancel their investment, reclaiming the full invested amount. This period begins from the date of the investment in the project and lasts for four calendar days. You can reclaim your invested funds in your account by going to the Reserved Investments section and clicking the "Cancel" button. Once this period has ended, the investment can no longer be cancelled – funds will only be returned upon the maturity of the bonds.

A securities account is a special account in which the securities you own, such as bonds, are held.

When investing on the Bondea platform, you do not need to have a securities account in advance. The bonds you purchase through the platform will be held in a securities account with our partner Axiology DLT – a licensed financial brokerage firm. The securities account is opened automatically during the investment process, and its opening and maintenance are free of charge for you.

If you are a Lithuanian tax resident, the interest you earn is treated as B-class income. You are entitled to a €500 annual tax-free allowance (from all investments, not only on the Bondea platform). Any amount exceeding this limit is taxed at 15% personal income tax (if annual interest does not exceed 120 average monthly salaries) or 20% (if it does). You must declare this income in your annual tax return (Form GPM308). Bondea reports the relevant income information to the Lithuanian tax authority (VMI) on your behalf.

If you are a foreign tax resident, we withhold 15% personal income tax from your interest income. You are still required to declare this income in your country of tax residence. If a double taxation treaty exists between Lithuania and your country, additional taxation may be avoided. Foreign residents must provide their local tax authority with information about interest income earned in Lithuania.

Yes. The investment account regime, in force in Lithuania since 2025, allows you to defer personal income tax until the profit is withdrawn from the account – making it particularly suitable for long-term investing. For bonds, this regime applies when investing through crowdfunding platforms, so you can benefit from it when investing via Bondea. 

 Important: for your investments to be treated under this regime, funds must be transferred to your Bondea wallet from your investment account at a bank. The Bondea wallet, managed by our payment operator NS Pay, is not itself an investment account, so any withdrawals must be returned to the same investment account from which the funds were deposited.

The investment account regime is available to permanent residents of Lithuania. It can be any separately accounted bank or payment institution account, used exclusively for investments and declared to the State Tax Inspectorate (VMI).

Register at www.bondea.lt, choose a project and enter your desired amount. After clicking "Invest", enter the promo code in the investment confirmation window. Once the project's status changes to "Financed", the promo code amount will be returned to your e-wallet.

The minimum investment amount on the Bondea platform is €500 or €1000, depending on the specific project.

Yes, you can open an account on the Bondea platform on behalf of your company and invest as a legal entity. The account can be registered by the company's manager or an authorised representative. If an authorised representative registers, a power of attorney form will be provided during the registration process, which must be signed by the company's manager and sent by email to info@bondea.lt.

Before you start investing, you first need to create an account on the Bondea platform. Only after verifying your identity and answering the provided questions will an electronic wallet be created for you. Once you top it up, you will be able to start investing.

In the Projects section, review the active projects and choose the one that suits you best. Enter the amount you wish to invest (it must not be lower than the minimum investment amount) and click "Invest". You will then be presented with all the necessary agreements – the bond subscription agreement and the Financial Instruments Accounting and Safekeeping Agreement.

As soon as you make an investment, the corresponding amount in your e-wallet will be reserved until the full funding required for the project is collected. Interest calculation will begin from the issue effective date, which is specified in the key investment information sheet.

The LTV (Loan-to-Value) ratio indicated for each crowdfunding project shows the relationship between the debt amount and the value of the pledged collateral. The LTV shown on the project card is the maximum possible LTV for that project.

The return on investment is calculated as a percentage of your invested amount, taking into account the project financing period. The annual interest rate is always indicated on each project card.

For example, if you invest €1,000 in a project with an annual return of 9%, the return is calculated on the basis of the €1,000 invested. After one year, your interest would amount to €90, and the total amount returned would be €1,090.

Some projects have a variable return – in this case, an annual interest rate applies, and an additional premium is paid once your investment reaches a certain threshold. These ranges are always stated in the project description.

For example, if a project's annual return is shown as 8–9%, this means the 8% annual interest rate applies to everyone, and if your investment reaches the set threshold (e.g. €10,000), your annual return increases to 8.5%. Regular interest (coupon) payments are made according to the schedule at the annual interest rate, while the premium is paid with the final payment – on the bond redemption date or the early redemption date – ensuring that the annual interest rate reaches 8.5% over the entire period.

Once logged into your Bondea account, you will find the project in the "My Investments" → "Active" section. There you will see key information about the project. You can find the key investment information sheet, the bond agreement, and your securities account statement in the "Documents" section of your account.

Interest payments are made according to the schedule specified in the agreement – this can be quarterly, semi-annually, annually, or at the end of the term.

The principal invested amount is returned at the end of the term, when the project concludes (the duration of each project is indicated – 12, 24 months, or other).

Our financing experts carefully select and evaluate the projects published on the Bondea platform, but the assessments, ratings, or other project-related information provided should not be considered investment advice. Even investments secured with collateral carry risks – including liquidity risk or the risk of capital loss – so they should only be part of a diversified investment portfolio.

By investing, you assume all risks associated with investments. You can find more details about risks in the Investment Risks document.

The Bondea crowdfunding platform is regulated by the Bank of Lithuania, and its business continuity plan has been approved accordingly. This plan ensures that investors would not be negatively affected even in the event of the company's bankruptcy. It identifies key risks and outlines the actions and measures that would be taken if a decision is made to cease Bondea's operations.

On the Bondea platform, projects are carefully selected and their reputation assessed, and, depending on the project, the following additional protection measures may apply:

• Depending on the project, investments may be secured by collateral – this may be a mortgage on real estate or a pledge of shares.
• When evaluating a project, we ensure that the loan-to-value (LTV) ratio does not exceed 80%. This means the value of the asset is higher than the amount financed.
• For bonds, a trustee – UAB Audifina – represents investors' interests and continuously monitors the project owner to ensure obligations are met on time.
• The bonds are recorded and held in a securities account with Axiology DLT – a licensed financial brokerage firm – so even if the platform operator were to cease operating, your relationship with the issuer and your investment would remain, as it is officially registered.

If the project owner fails to repay the investment on time, late payment interest is calculated according to the terms set out in the bond agreement. The accrued interest is later paid to the investor and is subject to a 15% personal income tax.

If the issuer fails to meet its obligations, a breach of contract is recorded. The situation is then assessed to determine whether it represents a temporary liquidity issue or a structural problem (insolvency).

At the initial stage, out-of-court actions are undertaken, for example:

• negotiating possible payment deferrals;
• charging late payment interest to investors.

If the issuer does not settle its obligations on time, the role of the trustee is activated. Acting in the interests of the investors of the specific issuance, the trustee, together with the platform operator, initiates actions aimed at recovering investors' funds.

If obligations cannot be fulfilled through amicable means, a forced recovery process is initiated – the pledged collateral is realized. Once funds are successfully recovered, they are distributed to creditors (including investors) in accordance with the pledge and contractual priority order.

We would also like to emphasize that we work only with developers of good reputation and make every effort to ensure that our investors do not encounter such situations.

When applying for financing, you are generally asked to provide the main financial data for the past few years, information about equity and liabilities, as well as a preliminary repayment scheme for investors. A more detailed list of required documents will be provided when discussing your project.

The time needed to finance a project depends on various factors. On average, the required amount is raised within approximately two weeks, though the duration may vary depending on the offered return, the project term, the developer's reputation and reliability, the project's risk level, and its development stage.

One of the most common reasons for unsuccessful investments is insufficient funds in your account. You can top up your e-wallet via online banking or bank transfer. You can make the payment by logging into your account and going to the E-wallet section.

If you encounter any technical issues, please contact us via the contact form or by email at info@bondea.lt.

If you wish to deactivate your account, please fill out the contact form or contact us by email at info@bondea.lt.

To change your password, log in to your personal profile. At the bottom of the section, you will find a "Change Password" button. Enter your current password, then your new password, confirm it, and click "Update".

If you have forgotten your password, click the "Forgot Password?" link on the login screen, and a password reset link will be sent to your email inbox.

You can submit a complaint by visiting us at Vilnius, Konstitucijos pr. 18B, LT-09308, or by sending it via email to info@bondea.lt.

If submitting the complaint via email, please provide:

• a signed and scanned document (ensuring the text and signature are clearly visible), or
• a document signed with a qualified electronic signature.

The complaint must be addressed to the company's CEO.

You can find more information about the complaint handling rules in the Client Complaint Handling Rules.