B Secure – be ready for the unexpected

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What is B Secure?

B Secure is an add-on service that gives you flexibility with your loan to help you be ready for any financial situation. Once activated, you can change your loan duration, take a principal payment holiday, change the payment date to suit your unique needs, and more!

Activating B Secure is easy – you can do it in just 60 seconds

Whether you have to pay for car repairs, lost your job, or simply need a new payment date – with B Secure, you can adjust your schedule to suit your needs.

How do I get B Secure?

1
Log in to your Bondora account
2
Go to the B Secure service section and click on ‘Apply Now
3
Review the terms and conditions and sign the contract

What is the B Secure fee?

The B Secure monthly service fee is only €14.99, regardless of the number of active loans you have.

  • The B Secure fee is added to your monthly payment. The service fee is automatically deducted from your Bondora account balance monthly, along with the loan payment. Make sure there is enough money in your Bondora account to cover your monthly loan repayment and B Secure invoice.
  • Following the activation of B Secure, the first invoice must be paid together with the next monthly payment, regardless of whether the payment schedule has changed or not.
  • B Secure will apply to all your existing and future loan agreements and will end with your final loan agreement.
*B Secure Terms and Conditions

With the help of the B Secure service you will be able to make changes to a loan agreement one at a time. If you would like to make multiple changes, the next change can be made once you have made at least one payment under the revised schedule.

The B Secure service is valid until payment of the last loan payment. If you have multiple loan agreements, then B Secure will remain in effect until payment of the final instalment of the loan agreement.

You can opt-out of the service by contacting our support team. In that case, your final invoice for the B Secure service must be paid along with the next monthly payment and B Secure will become inactive 30 days after cancellation.

The B Secure service cannot be used if you have long-term debt before Bondora and we are entitled to begin debt recovery via a court. If you have any current debts before Bondora (including loan payment, interest, other debts or the B Secure service monthly fee), upon changing the loan schedule you will have to repay all debts along with the next scheduled payment.

Important: If you are overdue with your payment at the time of the new schedule change, your debt amount will be split across all future payments.

If you have multiple loans and are applying for a new repayment schedule using 'B Secure', all selected changes will be applied to each active loan.

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Please review our terms and conditions on bondora.com, and consult with a financial advisor if necessary.

Political Exposure

A Politically Exposed Person (PEP) is a natural person who is or has been entrusted with prominent public functions. This includes the following positions:

  • Head of State or Head of Government
  • Minister, Deputy Minister, or Assistant Minister
  • Member of a Legislative Body
  • Member of a Governing Body of a Political Party
  • Judge of the Highest Court of a Country
  • Auditor General or Member of the Supervisory Board or Executive Board of a Central Bank
  • Ambassador, Envoy, or Chargé d’Affaires
  • High-ranking Officer in the Armed Forces
  • Member of an Administrative, Management, or Supervisory Body of a State-Owned Enterprise
  • A person considered a performer of prominent public functions by a Member State of the European Union, the European Commission, or an international organization accredited in the European Union, according to a list published by the European Commission.

Who are Relatives and Close Associates (RCA)?

Relatives

A person known to be a relative of a PEP includes:

  • Spouse/registered partner of a PEP or an equivalent partner
  • Parent of the PEP
  • Child of the PEP
  • Spouse or registered partner of the PEP’s child
Close associates

A person known to be a close associate of a PEP includes:

  • A natural person known to be a Beneficial Owner of a legal person jointly owned with the PEP or one who has a close business relationship with the PEP.
  • A natural person who is the Sole Beneficial Owner of a legal entity established by the PEP or in the interests of the PEP.
  • Natural persons who, together with the PEP, are beneficial owners of a legal entity, a collective investment, a trust, or a comparable legal structure under foreign law.
  • Natural persons who are the sole beneficial owners of a legal entity, a collective investment, a trust, or a comparable legal structure under foreign law known to have been established for the benefit of the PEP. This includes “nominees” who appear to be acting or receiving benefits on their behalf, whereas in practice, they are acting on behalf of the PEP.

Any natural person known to have close business ties with the PEP, such as the PEP’s business partners.

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The calculation is illustrative and may differ from the terms offered to you