All Crypto Interest Lending Account Platforms

 

Interest Rates

 

Sign Up Bonus

Additional Info

Favorable/Unfavorable Factors

About

 

BTC

ETH

SOL

LTC

DOGE

Stablecoin

Compounds

Bonus

 

Payouts

Lockups

Withdrawal Fees

Pros

Cons

Founded

HQ/Location

Native Token

Availability

1%

1%

n/a

n/a

n/a

n/a

No

Use referral code: SoDXjaMP for $5 bonus on sign up

Sign up

  • Easy to use
  • Lots of banking features and supported coins
  • $BBANK required for meaningful rates

2018

Gibraltar

BBANK

Worldwide

6%

8%

7%

n/a

n/a

13%

Yes

Sign up

Daily

None

Yes (network fees)
  • Good interest rates
  • Wide amount of supported assets
  • No lockups and daily payouts
  • Clean UI, easy to use service
  • Interest rates may fluctuate quickly
  • BTC fund may be capped

2017

UK

n/a

Worldwide (services limited in the US)

5.27%

5.21%

n/a

n/a

n/a

5.8%

Yes

$30 after $50 deposit

Sign up

Every 12 hours

None

Yes
  • Exceptional rates for BTC and stablecoins
  • Custodial solution
  • Only available in app
  • Fund may be capped for new deposits

2019

Signapore

DFI

Worldwide

25.02%

16.75%

n/a

n/a

n/a

4.93%

Yes

10% discount on fees with our referral code, 0.001 BTC bonus with first 0.1 BTC deposit

Sign up

Weekly (Friday)

1 week

  • Very high returns for BTC
  • Good returns for ETH
  • Weekly returns could be negative

2022

n/a

Worldwide

1%

3%

n/a

n/a

n/a

7%

Yes

Sign up

Weekly

None

Yes
  • No lock ups
  • Earn program limited to accredited investors in the US
  • Withdraw fees vary by coin and are relatively high

2021

Utah, United States

SMTF

Worldwide (Earn program available only for accredited investors)

1.46%

2.53%

n/a

n/a

n/a

7.61%

No

Sign up

Weekly

Yes
  • Decentralized exchange and staking services
  • BTC staking is unique
  • BTC and ETH rates are modest
  • Must use LP protocols to earn, which can be confusing for new users

2019

Moscow, Russia

WAVES

Worldwide

n/a

n/a

n/a

n/a

n/a

9%

No

+2% bonus using our referral link

Sign up

None

None
  • Decentralized way to earn from BTC mining without direct exposure to mining costs
  • Relatively new, unproven platform
  • Returns based upon Bitcoin mining and price

2022

Kazakhstan

n/a

Worldwide

n/a

7.73%

n/a

n/a

n/a

n/a

No

Sign up

None

Yes
  • Available in NY state
  • No minimums or gas fees

2014

New York, NY

GUSD

All US states and Singapore

n/a

4%

n/a

n/a

n/a

n/a

Yes

$100 BTC for depositing $1000

Sign up

Daily

None

No gas fees
  • Easy way to stake your ETH
  • Daily payouts
  • No gas fees
  • Wide range in yield return

2017

London, UK

NEXO

Not available in the US, Canada or Australia

n/a

4.6%

n/a

n/a

n/a

n/a

Yes

$30 after $50 deposit

Sign up

Every 12 hours

None

Yes
  • Easy to use staking product
  • APY is net of fees
  • Payouts every 12 hours

2019

Signapore

DFI

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

Yes
  • Full exchange services
  • Crypto card lets you spend crypto like cash and via Apple Pay
  • Very limited available to UK and AUS

2013

Melbourne, Australia

n/a

Australia and the United Kingdom (UK)

1.63%

5.48%

n/a

n/a

n/a

4.87%

No

Sign up

  • Fixed rates are predictable
  • Must wrap Bitcoin
  • Best for more technical users

2020

New York, NY

FCASH

Worldwide

0.8%

0.3%

0.75%

n/a

n/a

4.5%

No

$5 bonus

Sign up

  • Flexible deposit terms
  • Rates lower than other exchanges

2019

Singapore

n/a

Worldwide

1%

0.4%

0.4%

0.4%

1%

1%

No

Sign up

10-360 days

  • Incredible rates for most coins if you lockup for 360 days
  • Full exchange services
  • Wide variety of coins
  • Rates vary depending on plan
  • Most coins require 10 day lockup minimum, some require 30 days

2018

Estonia

n/a

Worldwide

0.7%

1.46%

12.7%

2.19%

n/a

4.38%

No

10% discount on fees with code: QBSSSLX4

Sign up

Yes
  • Large, trusted crypto exchange
  • Lending rates vary greatly

2017

Seychelles

n/a

Worldwide

1.98%

1.45%

9.3%

n/a

n/a

4.89%

No

6% discount on fees

Sign up

Weekly

Yes
  • Long running, trust exchange
  • Rates variable upon market

2012

Taiwan

n/a

Worldwide

n/a

4.9%

10%

n/a

n/a

n/a

Yes

$10 when you buy/trade $100 in 30 days

Sign up

Weekly

  • Popular, trusted platform
  • Regulated in the US
  • Limited options compared to international Binance
  • Unstaking takes time before funds are available (like native staking)

2019

CA, USA

n/a

US only

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

Weekly

None

Yes
  • Good rates
  • Unique volatility protection offering (fully covered in 100 days)
  • Fund may be capped (not allowing new deposits)
  • 24 hours before deposits qualify for returns

2019

Signapore

DFI

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

No
  • Simple, easy to use app
  • No longer pays yield

2021

Signapore

n/a

Global, not available in the US

1.5%

1.5%

n/a

n/a

n/a

4%

No

$10 with $200 crypto buy in app

Sign up

Daily

  • No KYC
  • Simple and easy to use
  • Non-custodial
  • Funds must be “deposited” into Savings
  • Limited asset support

2018

Isreal

n/a

Worldwide, limited earn features in the US

57.8%

60.9%

n/a

n/a

n/a

56.1%

Yes

Sign up

Daily

Yes, time to exit pool

No (network fees charged)
  • Very high target returns
  • Type “cir” to view this platform
  • Performance varies daily
  • Sizable minimum deposit

2019

Sweden

n/a

Worldwide

3.08%

3.51%

4.5%

n/a

n/a

8.42%

No

Use code: DKWCL4 for 1% bonus on your first deposit of $50 or more

Sign up

Daily

None

No
  • Great rates
  • Easy, simple to use app
  • BitGo custodial insurance
  • Tiers/caps are low
  • No web app (smartphone app only)

2021

Signapore

n/a

Worldwide

1.1%

0.9%

n/a

n/a

n/a

5%

Yes

$40 in crypto with $500 deposit, hold 30 days

Sign up

Daily

1 business day to unlock funds

Yes
  • Easy way to engage in defi yield
  • Easy to use platform
  • Bitcoin rates are low

2017

Canada

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 BTC with first purchase

Sign up

Yes, flat transaction fee
  • Instant buy, instant sell
  • Automated recurring purchases
  • EFT, Credit Card and PayID
  • USD withdrawals are free
  • Uses cold storage in a collaborative multi-signature setup for our custodial wallets
  • Does not currently pay interest on holdings
  • Bitcoin withdrawals incur a flat 0.0003BTC (30,000 sats) transaction fee

2017

Australia

n/a

Australia, majority of USA

n/a

n/a

n/a

n/a

n/a

n/a

Yes

$10 and 1000 JCOIN with deposit of $50 or more

Sign up

Yes (network fees only)
  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • No longer pays interest for crypto

2019

India, US, UK

n/a

Worldwide

n/a

4.3%

4%

n/a

n/a

5.3%

Yes

Sign up

2018

Estonia

n/a

Worldwide

n/a

4.5%

3.5%

n/a

n/a

5%

Yes

$12 USDC with $1000 deposit (see table)

Sign up

Daily

None

Yes (network fees only)
  • No lock up terms
  • No interest rate tiers
  • App design is clean and easy to use
  • Rates are moderate compared to alternatives

2021

Hong Kong

n/a

Worldwide

n/a

2%

n/a

n/a

n/a

1%

Yes

$100 USDC with $2000 deposit, hold 6 months

Sign up

Daily

Yes
  • Clean, easy to use website and app
  • Generous sign up bonus
  • Increased rates with FalconX partnership
  • No longer pays interest on BTC
  • Withdrawal fees: $10 for BTC, $20 for the rest

2022

London, UK

n/a

Not available in US

5%

5%

1%

1%

1%

10%

Yes

Buy $100 in crypto, get $10 in BTC

Sign up

None (flexible) to fixed terms

  • Full exchange services
  • Variety of savings options, defi and staking
  • Base interest rates relatively low
  • Savings account tiers are low

2017

Seychelles

n/a

Not available in the US

1.25%

1.25%

3.5%

n/a

n/a

4.5%

Yes

$20 BTC bonus with $200 deposit, hold 30 days

Sign up

Daily

14, 30, 90 days

Yes (network fees only)
  • No KYC required
  • No rate tiering
  • Ability to earn different coin instead of in-kind
  • Better rates require lockup duration (14-90 days)
  • Minimum deposit amounts required

2019

Seychelles

n/a

Worldwide

2.25%

4%

n/a

2%

n/a

10%

Yes

Earn $40 in crypto with $15 deposit

Sign up

Weekly

None

Yes (network fees only)
  • Available globally
  • Fiscally sound and risk-managed platform
  • Abra Boost only available to accredited U.S. investors
  • Best rates/bonuses require CPRX

2014

Mountain View, CA

n/a

Worldwide (US customers not eligible for Boost)

2.4%

2.4%

n/a

n/a

n/a

6.5%

Yes

20% fee discount for 30 days

Sign up

Varies

None or fixed deposits for 7-90 days

Yes
  • Competitive stablecoin interest rates
  • Full exchange services
  • BTC and ETH rates bested by other platforms

2018

Taiwan

BTSE

Worldwide

n/a

n/a

n/a

n/a

n/a

7%

No

Sign up

Monthly

None

No
  • No KYC
  • Competitive interest rates
  • Focused only on Stablecoins

2020

Seychelles

n/a

Worldwide

1.25%

4%

5%

n/a

n/a

1.6%

No

Sign up

Once or twice a week, depending on coin

Yes
  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (such as US, Japan, UK)
  • Full exchange services
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)

2011

San Francisco, CA

n/a

Worldwide, staking not available in the US

n/a

n/a

5.21%

n/a

n/a

2.73%

No

$50 BTC when you buy $100 of crypto

Sign up

No
  • Full exchange services
  • Easy to use defi yield products
  • Limited coins eligible for Earn program
  • Low rates

2013

San Francisco, CA

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

2.5%

No

Sign up

Monthly on first business day

None

No
  • Easy bank integration
  • Easy to earn interest on USD
  • US only
  • Does not support other cryptocurrencies

2018

San Francisco, CA

n/a

US only

2.05%

2.05%

n/a

2.77%

2.25%

7.4%

Yes

$5 in ZOOM when you buy $100 of crypto

Sign up

Monthly on the seventh day

None

Yes
  • Full featured application
  • 40+ support coins

2018

Salt Lake City, UT

ZOOM

Not available in NY

2%

2%

n/a

n/a

n/a

6%

Yes

Sign up

Monthly

None

Yes
  • Traditional retirement account tax benefits
  • Requires 10,000 minimum

2015

Sherman Oaks, CA

n/a

Worldwide

3%

4%

6%

7%

3%

8%

Yes

Sign up

Weekly

None

Yes
  • Great interest rates with compounding interest
  • Withdrawal anytime
  • Wide coin support
  • Not available in the US
  • No signup bonus

2018

Switzerland, Cyprus

n/a

Not available in the US, Canada

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

First day of each month

None

No
  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
  • No support for other cryptocurrencies such as bitcoin
  • Cannot send stablecoin directly to account, bank transfers only
  • 5 days before deposits settle and earn interest

2019

NJ, USA

n/a

Worldwide, excluding states: NY, NH, CT, HI, VT, VA, TX

n/a

n/a

n/a

n/a

n/a

n/a

No

Get $25 BTC when you deposit and buy $100 BTC (use promo code below)

Sign up

7 day withdrawal period

Yes for certain coins
  • Simple and easy to use app
  • No longer pays interest as of 2/23

2013

London, UK

n/a

Not available in the US

4.3%

4.2%

n/a

n/a

n/a

6%

Yes

$50 BTC with $500 deposit

Sign up

Daily

None, or 15 to 365 days

Yes
  • Great interest rates
  • No tiers or deposit limits
  • Significant rate boosts for locking up for 15-365 days (via Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

n/a

Yes

Sign up

Monthly

None

None

2017

Estonia

CLT

Worldwide with a few restrictions due to regulations

n/a

4.26%

2.4%

n/a

n/a

2%

No

$10 BTC when you buy or sell $100 of cryptocurrency

Sign up

Monthly

None

Yes
  • Full exchange functionality
  • Popular, highly trusted
  • Publicly traded company

2012

Wilmington, DE

n/a

100+ countries

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 for using referral code below

Sign up

None
  • Way to earn money each day
  • Removed interest accounts from platform
  • Social focus feels unnecessary

2017

Santa Monica, CA

n/a

Worldwide

3%

4%

4%

4%

n/a

8%

Yes

New clients registered between May 22 and June 30, 2023 can earn $250 USDC for $10,000 in Fixed Term deposit (by June 5)

Sign up

Daily

None or 1 month

Limited free withdrawls per month
  • Fair rates for all coins deposited
  • Popular platform
  • 1-5 free withdrawal per month depending on loyalty tier
  • Not available in the US
  • Hard to know exactly the rate you are earning

2017

London, UK

NEXO

Worldwide (excluding US and Canada)

n/a

n/a

n/a

n/a

n/a

n/a

No

Sign up

Monthly

Yes
  • Does not pay interest
  • Limited coin support

2018

Ontario, Canada; Wyoming

n/a

Worldwide, excluding US and Canada

0.2%

0.2%

0.25%

0.1%

n/a

0.4%

No

$25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej

Sign up

Weekly

None (flexible), 1 month, 3 months

Yes
  • Deposit minimums required to earn interest
  • Tiers are confusing
  • Does not compound
  • Requires CRO to unlock best rates

2016

Hong Kong

CRO

Worldwide, all US states except NY

2.5%

2.5%

n/a

n/a

n/a

6.5%

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes
  • Broad array of defi-like products and yield opportunities
  • Fully owned by both co-founders
  • Products are more complex or require more lockup time than other platforms

2019

Singapore

DFI

Not available in NY and some countries
BTC Interest Rates
ETH Interest Rates
Stablecoin Interest Rates
SOL Interest Rates
DOGE Interest Rates
Crypto Interest Accounts available in the USA
Crypto Credit Cards text on orange background