Compare all crypto interest rate account platforms

 

CoinRabbit


Inlock


Kraken


Okcoin


Zipmex


Eco App


Pei


Lido


bitrue


FTX Earn


CoinZoom Earn


linus


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YouHodler


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hi.com


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Haru


MyConstant


CoinLoan


Coinbase


CoinCircle


Nexo


Vauld


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Crypto.com


Cake Defi


Blockfi


Gemini


Hodlnaut


Voyager


Celsius Network

Founded 2020 2018 2011 2013 2019 2018 2017 2020 2018 2014 2018 2019 2015 2018 2019 2019 2013 2019 2018 2017 2012 2017 2017 2018 2018 2016 2019 2017 2014 2019 2017 2017
Availability Worldwide Worldwide Worldwide, all US states except NY and WA Worldwide Not available in the US US only US only Worldwide Not available in US or China Worldwide, exchange services not available in US Not available in NY US only except Alaska, Hawaii, Minnesota, or New York Worldwide Not available in the US Worldwide, excluding the following US States: New York, New Hampshire, Connecticut, Hawaii, Vermont, Virginia, Texas Worldwide Not available in the US Worldwide Worldwide Worldwide with small restrictions due to regulations 100+ countries Worldwide Worldwide excluding Afghanistan, Bulgaria, Burma (Myanmar), Central African Republic, Cote d’Ivoire, Cuba, Democratic Republic of Congo, Eritrea, Estonia, Iran, Iraq, Lebanon, Libya, North Korea, Republic of the Congo, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe Worldwide Worldwide All states but New York and 100+ markets Not available in New York or Balkans, Bangladesh, Belarus, Burundi, Central African Republic, Cuba, Democratic People’s Republic of Korea, Democratic Republic of Congo, Ghana, India, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, Pakistan, Somalia, Sri Lanka, Sudan, South Sudan, Syria, Ukraine, Russia, Venezuela, Vietnam, Yemen, Zimbabwe Not available in NY, KY or any country unsanctioned by the U.S., the U.K. or EU All U.S. states and Singapore Worldwide US only, excluding NY state. All countries which the United States, the United Kingdom or the European Union does not impose financial sanctions or embargoes.
HQ/Location Seychelles Budapest, Hungary San Francisco, CA San Francisco, CA Signapore San Francisco, CA Austin, TX Singapore Berkeley, CA Salt Lake City, UT Nashville, TN Sherman Oaks, CA Switzerland, Cyprus NJ, USA Signapore London, UK Signapore Redlands, CA Estonia Wilmington, DE Santa Monica, CA London, UK Signapore Ontario, Canada; Wyoming Hong Kong Signapore New Jersey, USA New York, NY Singapore, Hong Kong NJ, USA NJ, USA
Native Token n/a ILK n/a n/a ZMT n/a n/a LDO BTR n/a ZOOM n/a n/a n/a n/a HI n/a n/a n/a CLT n/a n/a NEXO n/a n/a CRO DFI n/a GUSD n/a n/a CEL
Payouts Monthly Weekly Once or twice a week, depending on coin Daily Monthly on first business day Monthly Daily Hourly Monthly on the seventh day Monthly Weekly First day of each month First day of each month Daily Every Second Monthly Monthly Weekly Daily Weekly or at end of deposit term Weekly Weekly Monthly Must be redeemed Monday Monthly on the fifth business day Monday
Lockups None None None or 45 days None None None Varies None None None None None None 7 day withdrawal period None, or customized between 15 to 365 days (for Haru Earn Plus) 0, 30, 90 or 180 day fixed terms. None None None or 1 month None, 1 month, 6 months None (flexible), 1 month, 3 months None None None None None None
Compounding Interest No Yes No No Yes No Yes No No Yes Yes Yes No Yes Yes No Yes Yes Yes Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes
Withdrawal Fees None No Yes No Yes None No Yes (gas fees) Yes Yes for ETH/ERC-20 and small BTC amounts Yes None Yes Yes None Yes for certain coins Yes None None for deposit or withdrawal Yes None Limited free withdrawls per month None Yes Yes Yes Yes Yes (transfer and agent fees) Yes Yes None
Max Rate Conditions

Earn in ILK token and/or hold ILK token for increased interest rates.

ETH requires lockup until launch of ETH2, non-native (off-chain) staking (BTC and stablecoin) not available in all countries

Lock up for 45 days with Ziplock

Earn .5% more interest for each referred user

Up to 8% is offered on certain promotional terms.

All funds up to $10,000 earn max rate.

Lockup for 365 days for max rate (reduced lockup terms are available for reduced rates)

2500 CLT Staked

Lockup terms for 1 month and owning 10% of holdings in NEXO token. Earn 2% extra if earning in NEXO.

Must lock deposit for 1-6 months.

Max rate paid for first 2 BTC. See terms.

3 month lockup, stake $40,000 in CRO. Lower tiers are available.

Terms vary upon product. Read expected returns/terms.

Tiered interest rates for quantity of coins.

Hodlnaut tiers their interest rate. For example, Bitcoin is tiered on these values:

  • 2 BTC
  • 2-10 BTC
  • 10-100 BTC
  • over 100 BTC

Must hold 20,000 VGX in your account.

Tiered rates: First BTC earns max rate, remainder earn at base rate. First 100 ETH earns max rate, remainder earn at base rate.

Additional bonus rates are available by loyalty tiers (holding % of CEL coin relative to account total) and by earning in CEL (not available in the US).

Interest Rates

 

CoinRabbit


Inlock


Kraken


Okcoin


Zipmex


Eco App


Pei


Lido


bitrue


FTX Earn


CoinZoom Earn


linus


Bitcoin IRA


YouHodler


Outlet


hi.com


Luno


Haru


MyConstant


CoinLoan


Coinbase


CoinCircle


Nexo


Vauld


Ledn


Crypto.com


Cake Defi


Blockfi


Gemini


Hodlnaut


Voyager


Celsius Network

BTC Rate n/a 4.2 0.25 n/a 2 n/a 4 n/a 2.3 5 2.5 n/a 2 4.8 n/a n/a 4 6.1 4 5.2 n/a 4 4 4.6 2.25 1.5 5 0.1 1.49 1 5.75 3.51
ETH Rate n/a 3.4 5 n/a 2 n/a n/a 5.4 2.6 5 2.25 n/a 2.7 5.5 n/a n/a 4 6 4 5.2 n/a 4 4 4.6 n/a 3.5 5 0.25 2.05 2.02 4.6 5.05
LTC Rate n/a 3.4 n/a n/a 2 n/a n/a n/a n/a 5 3.5 n/a n/a 5.5 n/a n/a n/a n/a n/a 5.2 n/a n/a 4 n/a n/a 0.5 n/a 0.1 2.77 n/a 5 4.08
DOGE Rate n/a n/a n/a n/a n/a n/a n/a n/a 2.5 5 7 n/a n/a 3 n/a n/a n/a n/a n/a n/a n/a n/a 2 n/a n/a 0.5 n/a n/a 5.03 n/a 2 n/a
Stablecoin Rate 8 8.8 2 4.22 5 2.5 n/a n/a 8.8 5 8 4 6 12 6 n/a 7.6 7.7 4 10.3 n/a 8 8 9.41 9 6 7 5 7.4 3.04 9 8.88
Bonus $20 BTC with $50 deposit (or more with larger deposit) $50 BTC when you buy $100 of crypto 2.5 ZMT by locking 250 ZMT or 25 ZMT by locking 5,000 ZMT plus special gift $10 by using invite code/link, complete 1 transaction within 14 days 25% commission discount, chance to win 60,000 XRP Free random coin with $10 deposit $10 in ZOOM for single trade of $100 USD and hold balance of $100 USD $20 with $100 deposit $5 bonus with any deposit Daily claimable hi Dollars Get 0.001 BTC when you deposit and buy 0.02 BTC (use promo code below) Bonus 0.2% interest rate for life of account 15-day $4000 trial bonus, keep interest earned during trial 25% referral sharing lifelong bonus $10 BTC when you buy or sell $100 of cryptocurrency $10 for using referral code below $10 BTC for depositing $100 1.25% bonus interest rate $25 after loan taken $25 after reserving credit card (requires CRO purchase). Use referral code: hmbqqfpsej $30 after $50 deposit $10 after $100 deposit $10 after $100 trade $20 after $1000 deposit $25 BTC bonus with $100 deposit and $100 in trades $50 BTC with $400 deposit. Hold 30 days. Use our custom promo code: CIR
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Pros
  • No KYC
  • Competitive interest rates
  • Competitive interest rates
  • In-app swaps
  • Offers on and off-chain staking
  • Off-chain staking not available in all locations (US, Japan, UK, etc)
  • Full exchange services
  • Full exchange services
  • Easy to use defi yield products
  • Easy to start earning on desposits
  • Full exchange services
  • Easy bank integration
  • Easy to earn interest on USD
  • Earn free Bitcoin by simply linking existing cards and making purchases at supported vendors
  • Decentralized way to earn ETH natively
  • Wide variety of supported coins
  • Full featured application
  • Great interest rates for first $10,000 of any coin
  • Full featured application
  • 40+ support coins
  • Simple, easy to use service
  • USD deposits only
  • Traditional retirement account tax benefits
  • Great interest rates with compounding interest
  • Withdrawal anytime
  • Wide coin support
  • Very simple process for non-crypto users interested in high interest rates
  • Automatic stablecoin purchase, interest generation
  • No fees or lockups
  • Innovative ideas and whitepaper concepts
  • Generous daily rewards for free
  • Simple and easy to use app
  • Top interest rates for BTC and ETH
  • Significant rate boosts for locking up for 30-365 days (Haru Interest Plus)
  • Withdrawl anytime, penalty free
  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
  • Full exchange functionality
  • Way to earn money each day
  • Competitive rates for all coins deposited
  • No lockup periods
  • Very popular platform
  • Great stablecoin rates
  • Competitive BTC and ETH rates
  • Competitive stablecoin rates
  • Very popular, established service
  • Credit card program with unique perks
  • Broad array of DeFi-like products and high interest rates
  • Fully owned by both co-founders
  • Popular, trusted service
  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • Supports DOGE
  • Global availability
  • Earn interest in coin of choice instead of in-kind
  • Full exchange services
  • Competitive rates
  • Broad coin support
  • No fees (for withdrawals)
  • No lockup periods or withdrawal limits
  • Generous promos and referral bonuses
Cons
  • Focused only on Stablecoins
  • Best interest rates require ILK token
  • App needs design updates to match new branding
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)
  • Few supported coins for Earn program
  • US only
  • Does not support other cryptocurrencies
  • Focused only on BTC
  • Cashback is the focus over being a pure wallet
  • US only
  • Deposits may be capped
  • Lockup period varies by coin
  • No native app yet
  • Requires 10,000 minimum
  • Not available in the US
  • No user signup bonus
  • 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
  • Many features still in development
  • Listed interest rates are targets (and may vary)
  • Newer platform
  • Fees for each withdrawal (see fees)
  • Low stablecoin interest rate
  • Certain coins may be capped and not accept new deposits
  • Best rates require CLT token
  • Only supports interest on USDC
  • Social focus feels unnecessary
  • Limited to 1-5 free withdrawal per month depending on verification
  • Limited coin support
  • Requires deposits into Crypto Earn funds before interest is earned
  • Deposit minimums required for interest
  • Does not compound
  • Requires CRO to unlock better rates
  • Products are more complex or require more lockup time than other platforms
  • Tiered rates for larger holders are low
  • BTC and ETH rates are lower than competition
  • Not available outside US
  • Variable fee applies for withdrawing coins (see fees)
  • App interface can be confusing, overloaded
  • Minimum balances required to earn interest
  • Only one whitelisted withdrawal address per coin (24 hours need to change address)
  • Buying on platform isn’t cost effective (use an exchange instead)
  • No in-app swaps (yet)
  • App requires frequent re-logging in