Compare Crypto Interest Accounts

DeFi Nerd ranks 15 of the highest earning crypto interest accounts. Apply and earn up to 12% p.a. on your crypto today.
Earn high interest on BTC, ETH, USD, Euros, and other crypto assets
Find crypto interest account terms that suit you and your circumstances
Learn more about services with our in-depth reviews of crypto interest accounts
Block Fi Logo

Block Fi Interest Account

on Block Fi's website

Block Fi Interest Account

5.0Editor's Rating  Read review→
  • Security. Your crypto is held by the Gemini Trust Company, regulated by the New York Department of Financial Services.

  • Interest Payment Flex allows you to select the currency of your interest payments and diversify your portfolio without purchasing additional crypto.

  • Sporting heavyweight institutional investors such as Peter Thiel’s Valar Ventures and Winklevoss Capital, BlockFi brings a new level of trust and security to the industry.

Availability
Worldwide, excluding: New York, Connecticut, Washington, Wyoming
Interest details

Compounding

Paid monthly

Terms: Flexible

Security score
5.0
Interest rates

BTC: 3.2%

ETH: 4.5%

USDC: 8.6%

YouHodler Logo

YouHodler Savings Account

on YouHodler's website

YouHodler Savings Account

4.8Editor's Rating  Read review→
  • Industry-highest returns. Get a huge 12% interest rate on stablecoin deposits.

  • Multiply your funds with Multi HODL™. Keep your daily interest and boost your savings with margin trading a portion of your account.

  • All savings protected with YouHodler's own security fund of $1M.

Availability
Worldwide, excluding: Bangladesh, China, Iraq, Paskistan
Interest details

Compounding

Paid monthly

Terms: Flexible

Security score
4.0
Interest rates

BTC: 4.8%

USDT: 12%

USDC: 12%

Ledn Logo

Ledn Bitcoin Savings Account

on Ledn's website

Ledn Bitcoin Savings Account

4.0Editor's Rating  Read review→
  • Ledn is registered and operates in Canada. As such, Ledn is held to high standards of consumer protection, data privacy, and customer service.

  • Interest payments are calculated and paid out in Bitcoin every month, where they can compound.

  • Ledn is a safe haven for your Bitcoin. When you use our services your Bitcoins are stored in cold storage under insured custody with BitGo.

Availability
Worldwide, excluding: New York, Connecticut, Washington, Wyoming
Interest details

Compounding

Paid monthly

Terms: Flexible

Security score
5.0
Interest rates

BTC: 3.6%

CoinLoan Logo

CoinLoan Interest Account

on CoinLoan's website

CoinLoan Interest Account

4.0Editor's Rating  Read review→
  • Deposit and withdraw using crypto wallets or with EUR using SEPA or AdvCash.

  • No minimums and no limits.

  • Trustworthy. EU-based and registered, with licenses and certifications from FinCEN MSB, FATCA FFI, and MTR.

Availability
Worldwide, excluding: Iran, South Korea
Interest details

Compounding

Paid monthly

Terms: Flexible

Security score
3.5
Interest rates

BTC: 4.4%

ETH: 3%

USDT: 8%

Hodlnaut Logo

Hodlnaut Interest Account

on Hodlnaut's website

Hodlnaut Interest Account

4.4Editor's Rating  Read review→
  • No KYC required for withdrawals <2 BTC.

  • The easiest way to earn interest on your Bitcoins. Simply deposit and start receiving your monthly interest payouts.

  • Secure. Assets are held in a multi-sig cold-wallet or with BitGo Insured Custody.

Availability
Worldwide
Interest details

Compounding

Paid monthly

Terms: Flexible

Security score
4.5
Interest rates

BTC: 6.2%

USDT: 8.3%

USDC: 8.3%

celciusNetworkLogo

Celsius Network Earn Coins

Review coming soon
on Celsius Network's website

Celsius Network Earn Coins

Review coming soon
  • Fee free. Make a withdrawal at any time for any amount without worrying about fees or penalties.

  • Be paid in-kind or in CEL. Get weekly interest payments in-kind or earn up to 30% more [in USD value] in CEL tokens.

  • No minimum deposit. Earn interest on $1 or $1,000,000.

Availability
Worldwide, excluding: New York, Washington
Interest details

Compounding

Paid weekly

Terms: Flexible

Security score
3.5
Interest rates

BTC: 4.05%

ETH: 3.75%

USDC: 7.75%

Binance Logo

Binance Lending

Review coming soon
on Binance's website

Binance Lending

Review coming soon
  • Manage all of your crypto investments from one place. Access Binance Lending, trade crypto, and participate in IEOs all inside the Binance ecosystem.

  • Committed to holding your crypto? Subscribe your crypto to fixed lending periods for higher interest earnings.

  • Binance operates one of the largest exchanges in the world with a good track record in protecting user's funds.

Availability
Worldwide
Interest details

Compounding

Paid daily

Terms: Flexible, 30 day, 90 day

Security score
4.5
Interest rates

BTC: 1.1%

USDT: 7.33%

BUSD: 8.05%

Constant Logo

Constant Flex

on Constant's website

Constant Flex

4.2Editor's Rating  Read review→
  • No KYC required to deposit and withdraw to a crypto wallet address.

  • Optionally lend your crypto on Constant's P2P lending marketplace to get more than >7% APY.

  • Withdraw to SWIFT-compatible bank account [KYC required].

Availability
Worldwide
Interest details

Compounding

Paid hourly

Terms: Flexible, 1 month, 2 month, 3 month, 6 month

Security score
3.5
Interest rates

USDT: 4%

USDC: 4%

DAI: 4%

Aave Logo

Aave Lend

Review coming soon
on Aave's website

Aave Lend

Review coming soon
  • Aave is a decentralized non-custodial money market protocol where users can participate as depositors or borrowers.

  • Aave was originally launched as ETHLend, a lending platform which was founded in 2017.

  • Extensively reviewed and audited by smart contract security auditors.

Availability
Worldwide
Interest details

Compounding

Paid hourly

Terms: Flexible

Security score
4.5
Interest rates

ETH: 0.03%

USDT: 6.72%

USDC: 2.99%

Compound Logo

Compound Supply

Review coming soon
on Compound's website

Compound Supply

Review coming soon
  • 2nd most popular DeFi lending protocol.

  • Interest rates are a function of the liquidity available in each market, and fluctuate in real-time based on supply and demand.

  • Extensively reviewed and audited by smart contract security auditors.

Availability
Worldwide
Interest details

Compounding

Paid hourly

Terms: Flexible

Security score
4.5
Interest rates

ETH: 0.01%

USDT: 1.65%

USDC: 0.86%

Nexo Logo

Nexo Interest Account

on Nexo's website

Nexo Interest Account

3.8Editor's Rating  Read review→
  • Nexo is powered by a experienced FinTech team serving millions of people across Europe for over 10 years.

  • Interest paid out daily and compounding.

  • Regulatory compliance. Nexo is strictly supervised by multiple European Banking and Financial Services Regulators.

Availability
Worldwide
Interest details

Compounding

Paid daily

Terms: Flexible

Security score
4.0
Interest rates

USDT: 8%

USDC: 8%

DAI: 8%

Crypto.com Logo

Crypto.com Earn

on Crypto.com's website

Crypto.com Earn

4.0Editor's Rating  Read review→
  • Increase your earning with MCO staking. Get an extra 2% p.a. your intrest rate by staking 500 MCO tokens.Get up to an extra 2% p.a. to your intrest rate by staking MCO tokens.

  • Earn interest off all of your coins. Crypto.com Earn boasts one of the largest range of supported cryptocurrencies for interest earning.

  • Get your rewards faster. Interest earnings are paid out every week and compounding.

Availability
Worldwide, excluding: Hong Kong, Switzerland, Malta, Bulgaria
Interest details

Compounding

Paid weekly

Terms: Flexible, 1 month, 3 month

Security score
4.0
Interest rates

BTC: 6%

ETH: 6%

USDC: 6%

Nuo Logo

Nuo Lend

Review coming soon
on Nuo's website

Nuo Lend

Review coming soon
  • Fully decentralised debt marketplace that connects lenders and borrowers across the world using smart contracts.

  • Users lend their ETH and other supported tokens by creating a 'debt reserve'. Users debt reserves are then pooled, lent out to over-collateralized borrowers.

Availability
Worldwide
Interest details

Compounding

Paid daily

Terms: Flexible

Security score
3.0
Interest rates

ETH: 0.21%

USDC: 9.37%

DAI: 1.62%

Bitrue Logo

Bitrue Power Piggy

Review coming soon
on Bitrue's website

Bitrue Power Piggy

Review coming soon
  • Increase your interest rate by up to 37% by holding BTR in your Bitrue exchange wallet.

  • Get almost double the listed interest rate by joining a 30 day lock-up.

Availability
Worldwide, excluding: Texas, New York, China
Interest details

Compounding

Paid daily

Terms: Flexible, 30 day

Security score
2.5
Interest rates

BTC: 5.3%

ETH: 6.3%

USDT: 10.3%

dYdX Logo

dYdX Lend

Review coming soon
on dYdX's website

dYdX Lend

Review coming soon
  • dYdX is the only major DeFi lending protocol that has yet to receive a bug report of user funds being at-risk. No lenders have ever lost funds on dYdX.

  • Backed by industry leaders Andreessen Horowitz, Polychain Capital, and others.

Availability
Worldwide
Interest details

Compounding

Paid hourly

Terms: Flexible

Security score
4.5
Interest rates

ETH: 0.04%

USDC: 4.52%

DAI: 9.17%