Passive income in Europe, done honestly.
A realistic 2026 playbook: what income your money can actually throw off, how much capital you need, and where P2P lending fits next to savings and dividends. No hype, every number sourced.
The honest yield ladder in Europe right now runs from bank savings (roughly 2-3%, safe but barely beating inflation), through dividend ETFs (around 3-4.5%, liquid but exposed to market swings), up to P2P lending (roughly 8-14% after defaults, higher fixed income but credit risk and usually no investor-compensation cover). The right mix depends on how much you have, how much monthly income you want, and how much risk you accept. The guides below walk each step, and our return calculator checks the numbers for your own amount.
Maclear - the highest sustained P2P yields we track
Swiss-based, 14.5-14.9% target yields, monthly interest. Higher income than savings or dividends, but it is a Swiss SRO member, not a bank: no investor-compensation scheme, and your capital is at risk. Read our full Maclear review before you commit.
P2P lending puts your capital at risk; returns are not guaranteed and past performance does not predict future results. CrowdIndex earns affiliate commissions from some platforms, including Maclear. See our affiliate disclosure.
