Compare all crypto interest rate account platforms

 

Interest Rates

 

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Additional Info

Favorable/Unfavorable Factors

About

 

BTC

ETH

LTC

DOGE

Stablecoin

Compounds

Bonus

 

Payouts

Lockups

Withdrawal Fees

Pros

Cons

Founded

HQ/Location

Native Token

Availability

0.1%

0.1%

n/a

n/a

0.1%

No

Sign up

Very high interest rates

Must stake and hold FWT tokens relative to your other balances

2020

WY, USA

FWT

USA

3.15%

3.65%

3.25%

n/a

8%

Yes

Earn $25 CPRX with $15 deposit, hold 30 days

Sign up

Weekly

None

Yes (network fees only)

  • CPRX program could grow in value quickly for early users
  • Available globally

2014

Mountain View, CA

n/a

Worldwide

3.509%

5.051%

4.079%

n/a

8.875%

Yes

10% discount on exchange trading fees

Sign up

Every minute

None

No

  • Full exchange platform
  • New user bonus not useful for Liquid Earn users

2018

Tokyo, Japan

n/a

Worldwide

4.5%

4.5%

n/a

n/a

7.14%

Yes

Deposit $500 and trade $10,000 to earn $50 USDT

Sign up

Every minute

Flexible or subscription (7-365 days)

None

  • Large coin support
  • Great rates for fixed deposits
  • Fixed deposits required for many coins

2019

Chicago, USA

n/a

Not available in the US

n/a

n/a

n/a

n/a

n/a

No

$25 USDT with $100 USDT deposit

Sign up

Monthly, 30 days after accrual

Yes

  • Must trade $150,000 USD in volume per month to earn interest

2019

London, UK

n/a

Not available in USA, Canada, Japan, Afghanistan, Bosnia and Herzegovina, Guyana, Iraq, Lao PDR, Yemen, Vanuatu, Uganda, Syria, Ethiopia, Sri Lanka, Trinidad and Tobago, Tunisia, Iran, North Korea, Afghanistan, Iraq, Sudan, Bosnia and Herzegovina, North Korea, Syrian Arab Republic (Syria), Burundi, Lebanon, Tunisia, Central African Republic, Libya, Yemen, Congo, Democratic Republic of the, Mali, Zimbabwe, Egypt, Myanmar, Guinea, Nicaragua, Guinea-Bissau, Serbia, Haiti, Somalia, Iran, Islamic Republic of South Sudan

3.4%

3.34%

1.51%

0.46%

4.48%

Yes

Earn 10% bonus on interest earned

Sign up

Daily

None or subscribe to longer terms

Yes

  • Full exchange service
  • Supports many coins

2017

Hong Kong

n/a

Worldwide

2.25%

2.25%

n/a

n/a

7.5%

Yes

20% fee discount for 30 days

Sign up

Varies

None or fixed deposits for 7-90 days

Yes, varies by coin

  • 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

10%

No

Sign up

Monthly

None

None

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

2020

Seychelles

n/a

Worldwide

4.25%

3.45%

3.3%

n/a

8.8%

Yes

$20 BTC with $50 deposit (or more with larger deposit)

Sign up

Weekly

None

No

  • Competitive interest rates
  • In-app swaps
  • Best interest rates require ILK token
  • App needs design updates to match new branding

2018

Budapest, Hungary

ILK

Worldwide

0.25%

5%

n/a

n/a

2%

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 (US, Japan, UK, etc)
  • Full exchange services
  • Interest rate will vary (Kraken takes a flat 15% from staking rewards)

2011

San Francisco, CA

n/a

Worldwide, all US states except NY and WA

n/a

n/a

n/a

n/a

4.22%

No

$50 BTC when you buy $100 of crypto

Sign up

No

  • Full exchange services
  • Easy to use defi yield products
  • Few supported coins for Earn program

2013

San Francisco, CA

n/a

Worldwide

2%

2%

2%

n/a

5%

Yes

2.5 ZMT by locking 250 ZMT or 25 ZMT by locking 5,000 ZMT plus special gift

Sign up

Daily

None or 45 days

Yes

  • Easy to start earning on desposits
  • Full exchange services

2019

Signapore

ZMT

Not available in the US

n/a

n/a

n/a

n/a

2.5%

No

Sign up

Monthly on first business day

None

None

  • Easy bank integration
  • Easy to earn interest on USD
  • US only
  • Does not support other cryptocurrencies

2018

San Francisco, CA

n/a

US only

4%

n/a

n/a

n/a

n/a

Yes

$10 by using invite code/link, complete 1 transaction within 14 days

Sign up

Monthly

None

No

  • Earn free Bitcoin by simply linking existing cards and making purchases at supported vendors
  • Focused only on BTC
  • Cashback is the focus over being a pure wallet
  • US only

2017

Austin, TX

n/a

US only

n/a

n/a

n/a

n/a

n/a

No

Sign up

Daily

None

Yes (gas fees)

  • Decentralized way to earn ETH natively

2020

LDO

Worldwide

2.3%

2.6%

n/a

2.5%

8.8%

No

25% commission discount, chance to win 60,000 XRP

Sign up

Varies

Yes

  • Wide variety of supported coins
  • Deposits may be capped
  • Lockup period varies by coin

2018

Singapore

BTR

Not available in US or China

5%

5%

5%

5%

5%

Yes

Free random coin with $10 deposit

Sign up

Hourly

None

Yes for ETH/ERC-20 and small BTC amounts

  • Full featured application
  • Great interest rates for first $10,000 of any coin

2014

Berkeley, CA

n/a

Worldwide, exchange services not available in US

2.5%

2.25%

3.5%

7%

8%

Yes

$10 in ZOOM for single trade of $100 USD and hold balance of $100 USD

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

n/a

n/a

n/a

n/a

4%

Yes

$20 with $100 deposit

Sign up

None

None

  • Simple, easy to use service
  • USD deposits only
  • No native app yet

2019

Nashville, TN

n/a

US only except Alaska, Hawaii, Minnesota, or New York

2%

2.7%

n/a

n/a

6%

No

Sign up

Monthly

None

Yes

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

2015

Sherman Oaks, CA

n/a

Worldwide

4.8%

5.5%

5.5%

3%

12%

Yes

Sign up

Weekly

None

Yes

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

2018

Switzerland, Cyprus

n/a

Not available in the US

n/a

n/a

n/a

n/a

6%

Yes

$5 bonus with any deposit

Sign up

First day of each month

None

None

  • 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 the following US States: New York, New Hampshire, Connecticut, Hawaii, Vermont, Virginia, Texas

n/a

n/a

n/a

n/a

n/a

No

Daily claimable hi Dollars

Sign up

  • Innovative ideas and whitepaper concepts
  • Generous daily rewards for free
  • Many features still in development

2019

Signapore

HI

Worldwide

4%

4%

n/a

n/a

7.6%

Yes

Get 0.001 BTC when you deposit and buy 0.02 BTC (use promo code below)

Sign up

First day of each month

7 day withdrawal period

Yes for certain coins

  • Simple and easy to use app
  • Listed interest rates are targets (and may vary)

2013

London, UK

n/a

Not available in the US

6.3%

6%

n/a

n/a

7.6%

Yes

Bonus 0.2% interest rate for life of account

Sign up

Daily

None, or customized between 15 to 365 days (for Haru Earn Plus)

Yes

  • Top interest rates for BTC and ETH
  • Significant rate boosts for locking up for 30-365 days (Haru Interest Plus)
  • Newer platform
  • Fees for each withdrawal (see fees)

2019

Signapore

n/a

Worldwide

4%

4%

n/a

n/a

4%

Yes

15-day $4000 trial bonus, keep interest earned during trial

Sign up

Every Second

0, 30, 90 or 180 day fixed terms.

None

  • Withdrawl anytime, penalty free
  • Low stablecoin interest rate
  • Certain coins may be capped and not accept new deposits

2018

Redlands, CA

n/a

Worldwide

5.2%

5.2%

5.2%

n/a

10.3%

Yes

Sign up

Monthly

None

None

  • Excellent stablecoin interest rates
  • Very good BTC, ETH interest rates
  • No fees and no lockup periods
  • Best rates require CLT token

2017

Estonia

CLT

Worldwide with small restrictions due to regulations

4%

4%

n/a

n/a

8%

Yes

$10 for using referral code below

Sign up

Weekly

None

  • Way to earn money each day
  • Social focus feels unnecessary

2017

Santa Monica, CA

n/a

Worldwide

4%

4%

4%

0.0%

8%

Yes

$10 BTC for depositing $100

Sign up

Daily

None or 1 month

Limited free withdrawls per month

  • Competitive rates for all coins deposited
  • No lockup periods
  • Very popular platform
  • Limited to 1-5 free withdrawal per month depending on verification

2017

London, UK

NEXO

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

4.6%

4.6%

n/a

n/a

9.41%

Yes

1.25% bonus interest rate

Sign up

Weekly or at end of deposit term

None, 1 month, 6 months

None

  • Great stablecoin rates
  • Competitive BTC and ETH rates

2018

Signapore

n/a

Worldwide

2.25%

n/a

n/a

n/a

9%

Yes

$50 USDC with $75 deposit, hold 15 days (good until Dec. 31)

Sign up

Yes

  • Competitive stablecoin rates
  • Limited coin support

2018

Ontario, Canada; Wyoming

n/a

Worldwide

1.5%

3.5%

0.5%

0.5%

6%

No

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

Sign up

Weekly

None (flexible), 1 month, 3 months

Yes

  • Very popular, established service
  • Credit card program with unique perks
  • Requires deposits into Crypto Earn funds before interest is earned
  • Deposit minimums required for interest
  • Does not compound
  • Requires CRO to unlock better rates

2016

Hong Kong

CRO

100+ markets, all U.S. states except New York

5%

5%

n/a

n/a

7%

Yes

$30 after $50 deposit

Sign up

Weekly

None

Yes

  • Broad array of DeFi-like products and high interest rates
  • Fully owned by both co-founders
  • Products are more complex or require more lockup time than other platforms

2019

Signapore

DFI

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

0.1%

0.25%

0.1%

n/a

8%

Yes

$10 after $100 deposit

Sign up

Monthly

None

Yes

  • Popular, trusted service
  • Tiered rates for larger holders are low

2017

New Jersey, USA

n/a

Not available in NY, KY or any country unsanctioned by the U.S., the U.K. or EU

1.49%

2.05%

2.77%

5.03%

7.4%

Yes

$10 after $100 trade

Sign up

Must be redeemed

None

Yes (transfer and agent fees)

  • Available in NY state
  • No minimums, no transfer or withdrawal fees
  • Supports DOGE
  • BTC and ETH rates are lower than competition

2014

New York, NY

GUSD

All U.S. states and Singapore

4.08%

4.08%

n/a

n/a

7.25%

Yes

$20 after $1000 deposit

Sign up

Monday

None

Yes (1 free per month)

  • Global availability
  • Earn interest in coin of choice instead of in-kind
  • Tiered interest rates
  • Fees for withdrawals (vary by coin)

2019

Singapore, Hong Kong

n/a

Worldwide

5.75%

4.6%

5%

2%

9%

Yes

$25 BTC bonus with $100 deposit and $100 in trades

Sign up

Monthly on the fifth business day

None

Yes

  • Full exchange services
  • Competitive rates
  • Broad coin support
  • Not available outside US
  • Variable fee applies for withdrawing coins
  • Minimum balances required to earn interest

2017

NJ, USA

n/a

US and EU (excluding NY state)

3.05%

3.25%

3.25%

n/a

10.02%

Yes

$50 BTC with $400 deposit. Hold 30 days. Use our custom promo code: CIR

Sign up

Monday

None

None

  • No fees (for withdrawals)
  • No lockup periods or withdrawal limits
  • Generous promos and referral bonuses
  • 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

2017

NJ, USA

CEL

All countries which the United States, the United Kingdom or the European Union does not impose financial sanctions or embargoes