Best Crypto Interest Accounts

Earn 7% on BTC or 16% on USDT

Best Crypto Interest Rates APY

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

No Financial Advice, Information only. Do your own research





*Sign up for bonuses with terms and conditions

**Reduction in fees

Did you like the table above? Make sure to Spread the Crypto Word


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 or savings account (where a 3rd party uses your funds for lending or liquidity providing). Some examples are Celsius, NEXO, BlockFi,, and YouHodler.
  • You are 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 services are Kraken, Binance, and Coinbase.

Can I earn interest on my stablecoins like USDT?

You can earn great interest rates on your USDT and stablecoin holdings. 

The best interest rates are achieved on crypto stablecoins, and for USDT, you can get 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 methods 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 significant risks. However, remember that you are always responsible for 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 involve depositing your funds into a 3rd party. Of course, a third party 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. For example, you might get a high passive income you have to pay tax for, but your crypto might be worthless once you pay the tax.

Do your own risk versus rewards

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


Because you are responsible for your funds, there are many personal questions to ask yourself here. Some examples are

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

Read more in our crypto risk management article to get more ideas on minimizing risk.

What is the best crypto interest rate I can get?

It´s essential 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 reasonable interest rates only because the inflation rate is super high. CAKE is an obvious example here.

So, is there any deflationary token that gives interest?

Yes, there is one and almost 1

  • Binance Coin is a deflationary token since Binance burns BNBs 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 lending or liquidity. Some companies offering this service are with linked reviews.

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

What is defi?

Defi is short for “decentralized finance.”

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

The community owns decentralized applications and not by a central part.

What is defi lending and borrowing?

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

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

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

Many companies offering a great way to earn interest on cryptocurrency holdings also offer great sign-up bonuses and offers. See all the perks and offers currently active.

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

Many companies offering a great way to earn interest on cryptocurrency holdings also offer great sign-up bonuses and offers. See all the perks and offers currently active.

Holding crypto versus staking crypto?

Once you have bought a proof-of-stake cryptocurrency, you can either HODL it in a wallet or stake it to earn an interest rate.

When you are staking your cryptocurrency, you will get a reward since you are contributing to securing the network by validating transactions while you stake your cryptocurrencies.

The risk is slightly higher since you can get slashed if you try to manipulate the network or the transactions.