Compare all crypto interest rate 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

n/a

n/a

n/a

n/a

n/a

n/a

No

$10 BTC with first purchase

Sign up

2017

Australia

n/a

n/a

n/a

n/a

n/a

n/a

1.5%

No

$100 with direct deposit of $250 or more

Sign up

  • Crypto friendly, traditional banking functionality
  • FDIC insured
  • Debit card with cashback bonuses
  • Stablecoins only interest bearing crypto product

2019

India, US, UK

n/a

Worldwide

n/a

n/a

n/a

n/a

n/a

0.6%

Yes

Sign up

2018

Estonia

n/a

Worldwide

5.75%

5.75%

8%

n/a

3.5%

15%

Yes

$25 USDC with $1000 deposit

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 competitive
  • Brand new platform

2021

Hong Kong

n/a

Worldwide

1%

1%

n/a

n/a

n/a

3%

No

$10 USDT for signing up

Sign up

Daily

  • Clean, easy to use website and app
  • Very good rates
  • Young service and business
  • Unproven if the rates will hold steady

2022

London, UK

n/a

Worldwide

9.4%

10.1%

n/a

1%

n/a

18.05%

Yes

Sign up

Daily

None

  • Excellent rates
  • No lockups or tiered rates
  • No sign up bonus/promos
  • Defi rates may change frequently

2018

Switzerland

MIDAS

Worldwide

1%

1%

n/a

1%

1%

1%

Yes

Buy $100 in crypto, get $10 in BTC

Sign up

None (flexible) to fixed terms

  • Full exchange services available
  • Easy to experiment with Defi
  • Base interest rates relatively low

2017

Seychelles

n/a

Not available in the US

5.25%

1.5%

n/a

n/a

n/a

7.5%

Yes

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

Sign up

Interest accrues daily

14, 30, 90 days

Yes (network fees only)

  • No KYC
  • No 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

6.5%

5.5%

n/a

n/a

n/a

10.5%

Yes

$50 USDT new user bonus

Sign up

First of the month

1, 3 and 6 month

Yes

  • Clean, simple, easy to use platform
  • At least 1-month lockup term required
  • Best rates require 6-month lockup + LND token

2018

London, UK

LND

Worldwide

0.1%

0.1%

n/a

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

1.75%

2.65%

n/a

2%

n/a

7.5%

Yes

Earn $40 in crypto with $15 deposit

Sign up

Weekly

None

Yes (network fees only)

  • CPRX program could grow in value, but is speculative
  • Available globally
  • Best rates/bonuses require CPRX

2014

Mountain View, CA

n/a

Worldwide

1.004%

3.519%

n/a

1.754%

n/a

7.095%

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%

4%

n/a

2.5%

n/a

6.35%

Yes

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

Sign up

Every minute

Flexible or subscription (7-365 days)

None

  • Wide coin support
  • Great rates for fixed deposits
  • Fixed deposits required for many coins
  • Minimum coin quantity required for flex rates

2019

Hong Kong

n/a

Not available in the US

n/a

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

2.56%

2.67%

n/a

1.48%

n/a

3.46%

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

2.4%

2.4%

n/a

n/a

n/a

7%

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

10%

No

Sign up

Monthly

None

No

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

2020

Seychelles

n/a

Worldwide

4.4%

3.2%

n/a

2.4%

n/a

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%

4%

n/a

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

n/a

2.67%

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

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

1.9%

2.2%

n/a

4.3%

2.5%

8.4%

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
  • Minimus deposit typically required

2018

Singapore

BTR

Not available in US or China

5%

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%

n/a

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

2%

2%

n/a

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%

n/a

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

n/a

9%

Yes

$5 bonus with any deposit

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

0.5%

1%

n/a

2%

0.5%

4%

No

Daily claimable hi Dollars

Sign up

Daily or end of term

7, 30, 90, 180, 365 days

  • Interest accounts not available in US

2019

Singapore

HI

Worldwide, interest accounts not available in US

1.5%

1.5%

n/a

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

5.8%

5.6%

n/a

n/a

n/a

7%

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

  • Very high interest rates for BTC and ETH
  • No tiers or caps
  • Significant rate boosts for locking up for 30-365 days (Earn Plus or Earn Explore)
  • Fees for each withdrawal

2019

Signapore

n/a

Worldwide

4%

4%

n/a

4%

n/a

12.5%

Yes

$10 USDT with $100 deposit

Sign up

Every Second

No

  • Withdraw anytime, no fees, no lock-up
  • High TrustPilot review score
  • Competitive stablecoin rates
  • Certain coins may be capped and not accept new deposits

2018

Redlands, CA

MCT

Worldwide

5.2%

5.2%

n/a

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 a few restrictions due to regulations

3%

3%

n/a

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%

n/a

4%

1%

8%

Yes

$100 BTC for depositing $1000

Sign up

Daily

None or 1 month

Limited free withdrawls per month

  • Fairly competitive rates for all coins deposited
  • Popular platform
  • Limited to 1-5 free withdrawal per month depending on verification
  • Nexo likes to play the shell game with rates, so it’s harder to know what rate you are earning and qualify for

2017

London, UK

NEXO

Worldwide, new US users unable to earn interest

4.6%

4.6%

4.08%

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

No

  • Great stablecoin rates
  • Competitive BTC and ETH rates

2018

Singapore

n/a

Worldwide

5.25%

n/a

n/a

n/a

n/a

7.25%

Yes

Sign up

Monthly

Yes

  • Competitive stablecoin rates
  • Limited coin support
  • Tiered interest rates

2018

Ontario, Canada; Wyoming

n/a

Worldwide (new US accounts do not earn interest)

0.5%

0.5%

1%

0.5%

0.5%

1.5%

No

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

Sign up

Weekly

None (flexible), 1 month, 3 months

Yes

  • As of Spring 2022, none
  • Requires deposits into Crypto Earn funds before interest is earned
  • Deposit minimums required for interest
  • Tiers are confusing
  • Does not compound
  • Requires CRO to unlock best rates

2016

Hong Kong

CRO

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

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 high interest rates
  • Fully owned by both co-founders
  • Products are more complex or require more lockup time than other platforms

2019

Singapore

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

3%

3%

n/a

3.5%

2%

7%

Yes

Up to $250 BTC with deposit

Sign up

Monthly

None

Yes

  • Popular, trusted service
  • Interest accounts unavailable for US users
  • Tiered rates for larger holders are low

2017

New Jersey, USA

n/a

Worldwide, new US users unable to earn interest.

1.01%

1.26%

4.55%

1.51%

n/a

6.36%

Yes

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

5.33%

5.3%

n/a

n/a

n/a

9.41%

Yes

$30 after $1000 deposit

Sign up

Monday

None

Yes (1 free per month)

  • 1 free withdrawal per month
  • 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

3.25%

4.5%

3%

2.5%

0.5%

9%

Yes

$25 BTC bonus with $100 deposit and $100 in trades (Use code: 90E62537C)

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 (excluding NY state)

6.5%

6%

5.5%

1.75%

0.5%

7.1%

Yes

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

Sign up

Monday

None

No

  • Zero fees
  • No lockup periods or withdrawal limits
  • Wide amount of supported assets
  • 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)
  • App requires frequent re-logging in
  • New US users who are not accredited investors are unable to earn interest

2017

NJ, USA

CEL

Worldwide, new US users unable to earn interest after April 15, 2022.