Highest Bitcoin Rates
We track 18 platforms offering yields on Bitcoin. Compare rates, risks, and terms instantly.
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What is a Bitcoin Interest Account?
A Bitcoin interest account works similarly to a traditional savings account but for cryptocurrency. Instead of earning negligible interest from a bank, you deposit your BTC into a crypto lending platform or exchange. These platforms lend your assets to institutions, borrowers, or decentralized protocols, generating yield that is passed back to you.
Interest rates for Bitcoin are typically much higher than traditional finance, often ranging from 1% to over 10% APY depending on market conditions and the platform's risk profile.
All Bitcoin Rates
Comprehensive list of all tracked platforms.
HEXN
CoinDepo
EarnPark
Nexo
YouHodler
Nebeus
Bitcoin IRA
Tuyo
Bitfinex
Coinmetro
Phemex
CoinRabbit
WhiteBIT
Crypto.com
Kraken
Krak
Bitvavo
Backpack
Checklist: How to choose a BTC account
- Compare APY & TiersEnsure the best rate applies to your specific deposit amount (some platforms lower rates for large balances).
- Check Withdrawal TermsDecide between flexible accounts (withdraw anytime) or fixed lock-ups (higher rates but less liquid).
- Platform HistoryLook for platforms with a solid track record through multiple market cycles.
How to Calculate BTC Interest
Most platforms quote rates in APY (Annual Percentage Yield), which accounts for compound interest. If a platform offers 5% APY on Bitcoin, and you deposit 1 BTC, you would have 1.05 BTC after one year, assuming the rate stays constant and interest compounds.
Risks of Earning Yield on Bitcoin
- Platform Risk: Centralized platforms hold your private keys. If they go bankrupt, you may lose funds.
- Smart Contract Risk: In DeFi protocols, bugs in the code could be exploited.
- Market Volatility: While you earn interest in BTC, the USD value of your asset can drop significantly.
Frequently Asked Questions
What is the current price of Bitcoin?
The current price of Bitcoin is loading.... Prices fluctuate based on market demand and are updated in real-time.
Is earning interest on BTC safe?
It carries risk. Unlike a bank account, crypto interest accounts are not FDIC insured. Only deposit what you can afford to lose and consider diversifying across multiple platforms.
Do I need to lock my BTC?
Not always. Flexible accounts allow you to withdraw anytime, though usually at a lower rate. Fixed terms (30, 90 days) typically offer higher APY.
