Bitcoin Interest Accounts

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

👑 = Recommended

LAST UPDATED JUNE 2021

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, even small deposit amounts are accepted!


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

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!

In addition, Premium membership is offered to FUN token holders, so don’t miss out on the additional passive income!


Interest Rates

1.27% (7-day APY)
More details here

Interest Payout

1 Day

Fees

Depends on withdrawal option

Protected By

Binance's Secure Asset Funds for Users (SAFU)

If you’re looking for an exchange and a savings account in one, Binance is one of the most famous exchanges you might have heard since 2017/ 2018. 

Accepts fiat purchase of cryptocurrencies from both exchange and other users through the P2P (peer-to-peer) system. Comes in both flexible savings (1.20% for Bitcoin and up to 30% for other cryptos) which allow withdrawals anytime, and locked savings (up to 6.31% APY) which give higher interests over longer tenures.

So you can trade, earn interest and save on fees, all at the same time!

Interest Rates

Up to over 100%. Depends on cryptocurrency pair.

Interest Payout

12 hours

Fees

15% on all profits

Protected By

Secret Cookie Stash (SCS); cold wallet

With the hype surrounding DeFi (Decentralized Finance), Cake DeFi is a regulated and transparent platform that strives to build innovative crypto products, by introducing several ways to earn from cryptocurrencies such as liquidity mining, staking and lending.

Lend out your Bitcoin and earn up to 7.5% APY and over 100% for altcoins!

Join using our referral link below and receive $20 when you deposit $50 or more, and $10 extra when you use our referral code (969870)!

To learn more on Cake DeFi, you can watch this step-by-step video guide.

Interest Rates

Up to 5.97% (if paid in CEL).
More details here

Fees

No fees

Interest Payout

1 week

Protected By

Fireblocks and PrimeTrust custodians

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.

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

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

Earn a free $40 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 8.6% APY
More details here

Fees

0.0025 BTC per withdrawal
1 free withdrawal each month

Interest Payout

1 month

Protected By

Gemini custodian wallet

Basically you, as a lender receive up to 8.6%* 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

Only for altcoins. More details here

Fees

1% on profits

Interest Payout

Anytime

Protected By

CryptoCurrency Security Standard (CCSS)

Unlike other interest account, Remitano (est. 2015) offers investments on altcoins from as little as $5 USDT.

Every investment opens a positions based on Binance’s price ladder. Users can opt for either normal or 2x margin trading (borrowed from Remitano).

Interest Rates

Up to 12% yearly
More details here

Fees

Up to 5 free withdrawals each month, depending on loyalty level

Interest Payout

Daily (rates are in APY)

Protected By

Ledger Vault's solutions ($375 million) +
BitGo Custody ($100 million)

Nexo specializes in providing instant crypto liquidity such as lending, founded in 2017.

For those interested on earning interest from parking their holdings, Nexo offers up to 12% in stablecoins (e.g. USDT) and 8% in crypto (e.g. Bitcoin, Ethereum).

In addition, there are additional ways to maximize your earning potential:

    1. Loyalty program with higher earning rates, credit lines and monthly free withdrawals
    2. Receiving interests in Nexo (higher rates than in-kind)
    3. Earn dividends holding Nexo tokens
    4. Instantly swap between crypto

*NEXO tokens are not available to US customers.

betfury.io

Interest Rates

Up to 8.5% yearly
More details here

Fees

No fees

Interest Payout

Flexible (daily/ weekly/ monthly)

Protected By

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

Crypto.com, founded in 2016 is a cryptocurrency exchange and payment platform, while offering loans.

Register for an interest account, deposit your crypto* and start earning interests on flexible terms; daily, weekly or monthly.

In addition, staking CRO (Crypto.com) tokens yields the following benefits:

    1. Reservation for premium metal Crypto.com Visa cards
    2. Enjoy Crypto Wallet benefits (i.e. rebates, card cashback)
    3. Higher APR in Crypto Credit and Crypto Earn.

*Certain cryptocurrencies are not available to US customers.

Interest Rates

Up to 4.8% APR
More details here

Fees

Depends on crypto

Interest Payout

1 week

Protected By

Ledger Vault's technology + US $150,000,000 direct insurance policy led by Arch Underwriting at Lloyd's Syndicate 2012

Similar to Crypto.com, YouHodler is an exchange and a crypto loans platform, started in 2017.

Besides simply storing your cryptos, further boost your earnings with its Turbocharge service and crypto trading feature with up to 30x leverage!

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