Bitcoin Interest Accounts

What’s the smartest way to store unspent Bitcoins? Park them in an interests/ savings account and let them grow with some of the best rates! 

LAST UPDATED AUGUST 2020

Secured

Your deposits are either insured or protected by trusted parties.

Flexible

Need the funds urgently? Withdraw with flexible tenures or without penalties.

No Minimum Deposit

No need to sell your house, small amounts of Bitcoin are accepted!

If FreeBitcoin sounds very familiar, that is because it has been recommended in the list of Bitcoin Faucets!

Unlike most other faucets, this one gives out interests at 4.08% per year or 0.0109589% per day. All you need is a balance of 0.0003 BTC (30,000 Satoshi) to start earning! The good news is that FreeBitcoin accepts deposits of any amount, including claiming from the hourly faucet to make your way up to the minimum threshold. And you are free to withdraw anytime!

Interest Rates

4.08% (1 year)
0.0109% (1 day)

Interest Payout

1 Day

Fees

Depends on withdrawal option
(several thousand Sats average for instant withdraw)

Protected By

Hot wallets
Ledger hard wallets
BIP38 encrypted paper wallets

BlockFi is a Bitcoin and altcoin lending and borrowing platform, founded in 2013 by Zac Prince and Flori Marquez. With more features, both lenders and borrowers enjoy better rates. Most importantly, there is no minimum deposit. 

Before starting or accessing the BlockFi Product Suite, you are required to complete the KYC (Know Your Customer) process which involves uploading your personal document(s). Once your account has been verified, you can then access all available functions on BlockFi. 

Basically you, as a lender receive up to 6%* APR for Bitcoin (BTC) deposits of less than 5, and 3.2%* for deposits of more than 5. 

While BlockFi is not protected by the Federal Deposit Insurance Corporation (FDIC) in the event of a major loss, your cryptos are stored inside the Gemini wallet, a licensed custodian and a cryptocurrency exchange with a good track record of working alongside other lending and cryptocurrency websites. 

For ease of access, both Android and iOS versions are downloadable.

Earn a free $10 bonus when depositing a minimum of $100 in BTC. To qualify, register an account through the link: https://blockfi.com/?ref=3d066815

*Rates are subjected to change from time to time.

Interest Rates

Up to 6% yearly (0 - 5 BTC)
Up to 3.2% yearly (> 5 BTC)

Interest Payout

1 month

Fees

0.0025 BTC per withdrawal
1 free withdrawal each month

Protected By

Gemini custodian wallet

Celsius Network was founded in 2018 by Alex Mashinsky who founded several notable technological firms in the United States.

There are no fees, whether it comes to depositing, trading or withdrawing, or even terminating any contract. And speaking of contracts, you are free to withdraw anytime. There are no lock-ins.

When it comes to interests, Celsius offers pretty competitive rates compared to most of its competitors. For instance, Bitcoin lenders earn up to 7.27% APR on their first deposit. Interests are paid out on a weekly basis.

That being said, lenders choosing to be paid in CEL* tokens enjoy up to 10% higher interests than other coins.

Security-wise, all wallets are supplied by BitGo, a digital asset trust company known for its multi-signature encryption wallets.

And to top it off, all members on Celsius Network are protected by Lloyd’s insurance of up to $100,000,000 in the event of a hack or bankruptcy. However, the sum is shared among the members, and not per member.

To register, members have to download the Celsius Network app available on both Google Play and Apple App Store.

Earn a free $10 bonus when depositing a minimum of $200 in BTC. Use refcode 115231b585 during registration (don’t sign in using social media or it would not work) or register through the link: https://celsiusnetwork.app.link/115231b585

*CEL is not available to US customers.

Interest Rates

Up to 7.27% yearly (first deposit)
Up to 5.33% yearly (subsequent)
Up to 10% yearly (if paid in CEL)

Interest Payout

1 week

Fees

No fees

Protected By

BitGo multi-signature encryption wallet
$100,000,000 Lloyd's of London insurance

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