Best Bitcoin BTC Interest Rates and Highest APY

Bitcoin passive income

Are you looking for the best Bitcoin BTC interest rates and highest APY?

Welcome, you have come to the right place. 

Read about how you can earn more Bitcoin by deposit into interest and saving accounts.

This is a guide on how to invest Bitcoin to earn passive income on your Bitcoin and crypto holdings. 

Do you hold other cryptocurrencies and want to earn the best interest rates and staking rewards?

Go to our full table with the list of all the best crypto interest rates APY and staking rewards.

No Financial Advice, Information only. Do your own research

Table: Best Bitcoin BTC interest Rates and Highest APY

In the table below, we have listed all the best Bitcoin BTC interest rates with the highest APY.

In this article, we cover the different ways we currently using ourselves since we believe those are the best. 

We will also summarize in the end why we didn’t include certain Bitcoin passive income possibilities and why we have ended spending time on those.




*Sign up bonus with terms and conditions

**Reduction in fees

***Celsius Network is offering deposit bonus promo codes 

Binance Bitcoin BTC staking Rewards

Binance is offering among the best Bitcoin passive income opportunities when the Binance locked saving is available for Bitcoin. However, these terms can be filled up and are not always available. When we did check in the 19h of Jan 2022 all locked savings accounts were filled up and the only availabe term was Binance flexible saving for 3%.

At Binance you can earn passive income on almost all you different cryptocurrencies to a very competitive rate.

Binance Earn as passive income

The Binance Earn section is where you can earn Bitcoin passive income and interest on your cryptocurrenies. 

The easiest way to navigate here is to click on 

  • Finance -> Binance Earn

Here, you can search for any cryptocurrency you want to earn interest on.

Once you have searched, you will get all available alternatives for that particular cryptocurrency.

There are several categories Binance is offering you to earn interest from. These categories are

Read more about Binance features in our Binance review.

Get -20% on all fees charged by Binance with our referral code Bitcoin BTC Interest Account and Bonus exchange logo App has a feature called Earn in their mobile app which is a Bitcoin and crypto interest account. Here you can deposit your crypto and lock it for different periods:

  • Flexible account
  • 1 month
  • 3 months

Here are the different Bitcoin interest rates based on the lock up period and your CRO staking amount.

  • 1.5-4.5 %, if you stake less than $400 in CRO
  • 2-6.5 %, if you stake more than $4.000 in CRO
  • 2-8.5 %, if you stake more than $40.000 in CRO

The CRO staking will also help you to get a CRO Visa card with better rewards.

You can get a $25 bonus when you sign up with the app with our referral code. You need to deposit and stake CRO worth $400 to release the bonus. Exchange also have a desktop version where they offer somewhat different features. Here, you can stake your CRO for a passive income or deposit to Supercharger which you can read more about in our dedicated article.

For the CRO staking in the exchange you have to lock you CRO for 6 months. For this, you will get lower trading fees and more rewards which you can see in the screenshot below.

You can get a 2% deposit bonus, up to 500 CRO when you sign up via us to the exchange, which is a web application and different from the mobile application.


– High interest rate on your locked CRO

– Additional benefits like the Supercharger and lower trading fees


– You have to lock your CRO stake for 180 days which you can unlock earlier but then you will not receive any accumulated interest rate SignUp Bonus

When you signup with via our referral link and stake CRO for a Ruby metal VISA card ($400) you will get $25 in a welcome bonus. The ruby card will give you 2% cashback on all purchases and 100% back on Spotify. Referral Code: mcmk7qgbhh

Celsius Network Best Bitcoin BTC Interest Rate and highest APY

Special promo: Get $50 FREE. Sign up as a new user and deposit at least $400 worth of crypto and hold it for 30 days.

Investors can earn Bitcoin through Celsius Bitcoin interest account, paid on a weekly basis. 

Celsius Network has a loyalty plan where you will earn more interest if you hold more in the CEL token. The loyalty level is calculated as a ratio between your total holdings and your CEL holdings.

Plans are completely flexible, while interest rate stands between 3% and 14%, depending on whether you wish to earn in CEL token

However, you do not have a minimum deposit limitation and can start earning immediately after the registration. See  our full guide on how to stake on Celsius Network. Here, you will get more information about how to deposit crypto, how to buy crypto in the Celsius Network app, loyalty levels and payouts, download transaction history and more.

Pros and Cons Celsius Network


  • No minimum deposit limitations
  • Great $10-$2000 deposit bonuses (more than first deposit bonus)
  • 50$ sign up bonus
  • Great interest rates
  • Great reward an loyalty program
  • Weekly compounding interest payouts 
  • Celsius does not charge any fees. No withdrawal fees, no transfer fees, no transaction fees, no early termination fees, no origination fees, nothing!


  • No exchange feature
  • You can not buy, or sell, CEL tokens in the app
  • They keep lowering the interest rates

Celsius $50 SignUp Bonus

Celsius has a great signup bonus where you will get $50 in BTC when you sign up with our referral link and deposit at least $400. The bonus will be released after 30 days.

Code: 187146807e

Blockfi Bitcoin BTC Interest Account and Bonus

Blockfi interest account and crypto passive income screenshot

Blockfi Bitcoin interest account can help you earn up to 4.5% on your crypto deposits. 

The platform employs tiers on their programs, depending on how many BTCs you wish to deposit. 

So, between 0 and 0.1 BTC will get you 4.5% while deposits between 0.1-0.35 BTC will get you 1% of the interest rate. Deposits over 0.35 BTC will only yield 0.1% and you should probably consider alternative options if you are about to deposit over 0.35 BTC.

Payments of interest are made at the beginning of each month.

Read more about BlockFi in our BlockFi Review.


– Flexible deposit

– BlockFi is offering the best free crypto sign up bonus 2022 (Up to $250)

– Exchange/Trading feature

– You can choose what cryptocurrency you want your payments in

– 1 free withdrawal per month


– Few cryptocurrencies

– Payment once every month

– Keep lowering the interest rates

– After 1 free monthly withdrawal, there is a fee of approximately $50 per withdrawal (different charges for different cryptocurrencies)

BlockFi Crypto Rewards Credit Card

BlockFi is offering a Bitcoin rewards crypto credit card connected to VISA.

Here, you can earn an unlimited 1.5% cashback in Bitcoin on every purchase with the BlockFi Rewards Visa Credit Card.

See our BlockFi credit card review for more information.

$250 BlockFi SignUp Bonus

BlockFi has probably the best signup bonus among all interest accounts. Here, you can get $15 when you deposit $100 but you can get up to as much as $250. Go to BlockFi via our link for full terms and conditios.

Nexo Bitcoin BTC Interest Account

Nexo logo

Nexo Bitcoin interest account is quite attractive in terms of deposit requirements. You do not have a minimum amount of cryptos that need to be deposited nor do you have any timeline limitations. 

Thus, you can deposit, earn daily, and withdraw at your leisure. Interest rate is up to 8% annually, higher than with other platforms. Read more about Nexo wallet loyalty levels and interest rates 2022.



  • You need to hold NEXO tokens, receive interest in NEXO tokens and lock your funds for 1 month to receive the best interest rates

Kraken Bitcoin BTC Interest Rate

Kraken offers staking in more cryptocurrencies than Coinbase.

In the screenshot below, you can see all available cryptocurrencies and the rates you will receive.

Its very easy to start staking with Kraken.

  1. Deposit staking assets – Buy assets or fund your Kraken account with one of the assets that are eligible for staking below.
  2. Select an asset to stake – Choose from the available assets in your spot wallet.
  3. Earn rewards as passive income – You will receive rewards twice a week from your staked assets.

YouHodler Bitcoin Interest Rate

YouHodler is giving 4.8% interest rate on the Bitcoin saving account.

YouHodler has no lock up periods and no native token staking requirements.

You must deposit minimum $100 equivalent and yo can earn interest on maximum $100.000 equivalents.

If you are a Bitcoin Cash hodler, YouHodler is offering the best Bitcoin Cash BCH interest rates APY.

Pros and Cons YouHodler


  • No native token requirement
  • No lock up periods


  • Many different withdrawal fees
  • Minimum $100 deposit and maximum $100.000

Bitcoin Interest Account and Risks

All investments involves a certain risk, it´s a part of their definition.

However, the difficult part is to identify and quantify the risks. We will help you to identify some risks but the quantification is very individual based on several factors such as (what time horizon you invest for, how much of your total portfolio you are investing, how you diversify your investments etc)

These risks are associated with a Bitcoin interest account on a 3th party account

  • The 3th party can go bankrupt. This happened to CRED which was a crypto interest account provider
  • The company can be hacked which has happened to several exchanges including Binance, Bitfinex, Bitstamp etc
  • The company can be a scam which have been seen with many cloud mining companies

Read our dedicated article about crypto risk management strategies 2021.

How to pay tax on Bitcoin BTC interest Payouts?

You have to pay tax on your Bitcoin BTC interest payouts. This is an easy procedure if you create an account with a crypto tax software.

A crypto tax software can help you to automatically import all your transactions via an API and categorize them accordingly to the correct tax category.

In addition, you can manually add transactions via a CSV file.

We recommend Koinly and Cointracking as crypto tax software and they support 20+ countries and offer a free verison.

Tax Software


Sign Up

Cointracking crypto tax software logo

Where to buy Bitcoin BTC Cryptocurrency?

There are many good places to buy Bitcoin BTC but we have isolated the two best places to buy Bitcoin.

  • The best crypto exchange to buy Bitcoin BTC for non US customers
  • The best crypto exchange to buy Bitcoin for US customers

Best place to buy Bitcoin BTC for non US residents

Binance is the worlds largest crypto exchange and the best place to buy Bitcoin BTC.

However, they don´t accept US customers.

Best place to buy Bitcoin BTC for US residents

Kraken and Coinbase are the two largest and regulated US crypto exchanges.

Both of them are good but Kraken has more reasonable fees.

Earn the Best Interest Rates APY on your Altcoin Holdings

Can I also earn interest on my USDT holdings?

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

In addition, USDT can give you among the best yields and you can find interest rates of +12%.

Read more about the best USDT interest rates.

How to earn the best Bitcoin Cash BCH interest rates?

There are several companies offering great interest rates for Bitcoin Cash BCH. Nexo, Celsius Youhodler and more are offering you to earn great APY on your BCH deposits.

Here, we have listed all the best Bitcoin CASH BCH interest rates and staking rewards.

No Financial Advice, Information only. Do your own research

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