Best Crypto Interest Rates APY

Find the Best Crypto Interest Rates APY and Higest Staking Rewards

Best Crypto Interest Rates APY

In the table below, you can find the best crypto interest rates APY for each of the top cryptocurrencies. Compare Celsius, NEXO,, Binance Earn, YouHodler, Kraken and BlockFi.

No Financial Advice, Information only. Do your own research





*Sign up bonuses with terms and conditions

**Reduction in fees

***Celsius Network is offering deposit bonus promo codes 

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Best Crypto Interest Account SignUp Bonus

In the table below, you can find the best crypto sign up bonuses from our interest earning accounts.




*Sign up bonus with terms and conditions

**Celsius Network is offering deposit bonus promo codes Referral Code: mcmk7qgbhh

Celsius Network Code: 187146807e

Blog Posts about Earning Cryptocurrency Interest

Below you find our blog posts about earning the best interest rates APY on your cryptocurrency holdings.

Earn Crypto Interest FAQ

What is crypto passive income?

Crypto passive income is earnings derived from something  in which a person is not actively involved. The most common examples are

  • Interest account or savings account (where a 3th party uses your funds for lending or liquidity providing). Some examples are Celsius, NEXO, BlockFi, and YouHodler.
  • Staking where your funds are used to secure a proof-of-stake network (Compare mining rewards for the Bitcoin network). Examples of some exchanges providing staking service are Kraken, Binance and Coinbase.

Can I earn interest on my stablecoins like USDT?

Yes, you can earn great interest rates on your USDT and stablecoin holdings. 

Actually, the best interest rates are achieved on crypto stablecoins and for USDT you can more than 12%. Read more about the best USDT interest rate to earn the highest APY.

Also, we have listed the best USDC interest rates in this article.

What different ways are there to earn crypto passive income?

There are many different ways to earn crypto passive income. At Cryptocoinzone we have listed the following ways to earn crypto passive income

  • Crypto Interest Saving Account
  • Crypto Staking Rewards
  • DeFi alternatives (liquidity mining and yield farming)

Are there any risks with crypto passive income?

Yes, as for any investment, crypto passive income investments involve risks.

What risks are you facing when you deposit into crypto passive income?

We have identified some risks we think represent the major risks. However, remember that you are always responsible over your own money. There are certainly more risks than these listed below.

  • Cryptocurrencies are not a regulated market (There are still many scams around)
  • Many of the options we list on this site involves depositing your funds into a 3th party. A third part can be a scam but they can be legit and get hacked or fail to operate for many other reasons.
  • The cryptocurrency market is volatile
  • Be aware of the tax rules in your restriction. You might get a high passive income you have to pay tax for but once you are going to pay the tax your crypto might be worth less.

Do you own risk versus rewards

You are always responsible for doing your own risk versus rewards calculations.


Because you are responsible over your own funds and there are so many personal questions to ask yourself here. Some examples are

  • Can I lose this investment and still pay my everyday expenses?
  • Do I invest for long term or short term?
  • Do I invest for a certain expense or for economic freedom?
  • What large expenses will I have in the near future?

Read more in our crypto risk management article to get some more ideas on how to minimize risk.

What is the best crypto interest rate I can get?

It´s very important to not only look at the best interest rate since there are so many more things to weigh in here.

For example, many DeFi protocols can offer insane good interest rate but this is only because the inflation rate is super high. CAKE is an obvious example here.

So, is there any deflationary token that give interest?

Yes, there is 1 and almost 1

  • Binance Coin is a deflationary token since Binance burn BNB´s dependent on how much they collect in fees for each quarter. Read more about the best Binance Coin BNB interest rates.
  • Ethereum ETH is almost deflationary after introducing the EIP 1559 where some of the fees collected are burned. On top of this, you can earn 5-6% staking rewards on Ethereum 2.0. Read more about the best Ethereum ETH interest rates.


What is a crypto interest saving account?

A crypto interest saving account is where you can deposit your cryptocurrency and earn interest. Your money is used for different purposes but the most common is for lending or for liquidity. Some companies offering this service are, with linked review

What is APY?

The annual percentage yield (APY) is the real rate of return earned on an investment, taking into account the effect of compounding interest.

What is ROI?

Return on investment (ROI) is a performance measure used to evaluate the efficiency or profitability of an investment. 

To calculate ROI, the benefit (or return) of an investment is divided by the cost of the investment. The result is often expressed as a percentage or a ratio.

The difference from APY is that ROI doesn’t take time into account while APY is per year by definition.

What is compounding interest?

Compound interest (or compounding interest) is the interest on a deposit calculated based on both the initial principal and the accumulated interest from previous periods.

Let´s take an example.

Sometimes the interest rate is stated as APY and APY with compound.

APY is when you deposit 1 Bitcoin, for example, but you don´t add the interest payouts to the account

APY with compound is when you deposit 1 Bitcoin, for example, and for every monthly, weekly or daily payout you add that amount to your interest account. So, if the payout is weekly, the first payouts will earn 51 weeks, 2nd payouts 50 weeks and so on. 


What is defi?

DeFi is short for “decentralized finance”.

Decentralized finance is a term for a variety of financial applications in cryptocurrency or blockchain geared toward disrupting financial intermediaries.

Decentralized applications are own by the community and not by a central part.

What is defi lending and borrowing?

Defi lending and borrowing is a for of peer-to-peer lending by a smart contract. There is no middlemen and not even a company that connects the borrower and lender. 

Read more about defi lending and borrowing in our article about Compound COMP and AAVE.

What are the best crypto interest sign up bonuses and offers?

Many of the companies offering great way to earn interest on your cryptocurrency holdings also are offering great sign up bonuses and offers. For example, you can get up to $250 with BlockFi or $50 with Celsius. See all the bonuses and offers currently active.