Best Cardano ADA Interest Rates and Highest APY

Best Cardano ADA Interest Rates and Highest APY


Here, we will list the best Cardano ADA interest rates and see where you can gain the best APY on your idle holdings.

However, if you are interested in the fundamentals of crypto passive income, you might want to read our guide on how to earn interest on cryptocurrency in 2022.

If you hold other cryptocurrencies than ADA, you want to check our list with all the best crypto interest rates APY and staking rewards.

Best Cardano ADA Interest Rates

In the table below, we have listed all the best Cardano ADA interest rates.

Here, you will find where to deposit your ADA coins to receive the highest APY and generate more ADA.




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MyCointainer Cardano ADA Staking Rewards

MyCointainer is a staking platform. Here, you can deposit Proof-of-Stake PoS cryptocurrencies to earn staking rewards and generate a passive income.

Read more in our MyCointainer review 2022 with interest rates and fees.

Other features on Mycointainer are

  • Exchange
  • Airdrops
  • Power subscriptions

Binance Best Cardano interest Rates

Binance Earn is offering the best interest rates for Cardano ADA with Binance locked staking for 60 days.

Binance is the largest crypto exchange in the world and they have a lot of different features on their trading platform. On of these are, Binance Earn, and here you can stake your Cardano ADA coins to receive the best interest rate.

Pros and Con with Binance staking

+ Binance has extreme high yields, up to 8.24% APY for Cardano

+ Binance is the largest crypto exchange

+ Binance VISA debit card with cashback up to 8%

– The yield staking programs can get filled up

Read more about Binance earn

Kraken Cardano ADA Interest Rates​

Kraken is offering one of the best interest rates for Cardano ADA token. 

Kraken is one of the largest crypto exchange sin the world. Kraken is a regulated crypto exchange in the US, similar to Coinbase. Coinbase also offers staking rewards for Cardano ADA. Compare all Kraken staking rates VS Coinbase staking rates.

With Kraken, you can stake Cardano ADA tokens.

Kraken doesn’t have the best interest rate for Cardano ADA but for Polkadot DOT, Kraken offers the best ROI and APY. Also, for Ethereum ETH Kraken and Binance offers very similar return

Kraken Cardano ADA staking Pros and Cons

Kraken pros and cons

+ Kraken is regulated in the US

+ Kraken allows US citizens

+ Kraken has a high security

– Kraken has a bit lower Cardano interest rates than Binance

Read our full Kraken review.

YouHodler Cardano ADA interest rates

YouHodler is offering a 6% interest rate on your Cardano ADA holdings.

With YouHodler you don’t have to worry about lock up periods or if you want to receive the payments in the native token (as with NEXO).

Also, there are YouHodler loyalty levels with requirements you should check before depositing.

However, the limitation with YouHodler is that whales may not like it since you can “only” receive interest on holdings up to $100.000.

NEXO Cardano interest rates

NEXO is offering a basic interest rate of 4% on your NEXO is offering regulated and licensed crypto interest accounts for your Cardano ADA holdings. The base interest rate is in line with most options for Cardano interest payouts.

With NEXO, you will earn daily compound interest payouts

However, you can receive up to 8% on NEXO.

How can I receive 8% on my Cardano ADA holdings?

  1. You need to lock your funds earn 1% extra (Usually for 1 month)
  2. You need to hold a certain percentage to earn more. There are 4 different loyalty levels and you will need to hold 1-10% of your total portfolio value in the NEXO token
  3. You choose to receive your payout in the native token, NEXO.

Read more about NEXO wallet review with loyalty levels and best interest rates 2022.

Some of the best NEXO features Earn Cardano ADA Interest

With the Earn feature in the app you can earn interest on many different cryptocurrencies, including Cardano ADA.

However, you must stake CRO to be able to enjoy the best interest rates and staking rewards. The more you stake, the higher interest rate you can earn.

In addition, has the best crypto card on the market and if you stake CRO you will get a better card with free Spotify, free Netflix, free Amazon Prime and up to 8% cashback. Read more about CRO VISA card staking requirements and rewards.

In addition, you can get 2% deposit sign up bonus, up to 500 CRO if you sign up with the desktop exchange.

$25 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.

What is Cardano?

Cardano is a decentralized proof-of-stake (PoS) platform. Some refers to Cardano as a third generation blockchain while Bitcoin is the 1st and Ethereum the 2nd.

Cardano separates itself from other by a commitment to peer-review scientific research as building blocks for updates to the platform.

  1. IOHK, non-profit foundation
  2. Cardano Foundation, non-profit foundation
  3. EMURGO, for profit entity
IOHK is responsible for building Cardano and consists of academics spread across the world to producs research and review the platform updates before implementation.

Risks with Cardano Interest and Savings accounts

As for any investments, staking with Binance or Kraken also involves risks.

Always consider the risk versus the rewards before you invest your cryptocurrencies.

Risks are

  • Exchanges can be hacked (This has happened a numerous times in the history. Examples are Bitstamp, Bitfinex and Binance)
  • Exchanges can default or do mistakes
  • Exchanges can misbehave in the staking program and lose their stake
Read more about crypto risk management.

Why its important to get the best Cardano ADA interest rate?

Over a long time period it´s very important to make sure that you receive the best interest rate.


Because of the compounding effect (interest-on-interest).

What is that?

Let´s say you have 100 ADA tokens and you keep them in an account with no interest. After, 5,10 or 20, years you will still have your 100 ADA tokens.

What if you deposit them into Binance and earn 7.79%?

  1. 100 ADA will be 146 ADA in 5 years
  2. 100 ADA will be 212 ADA in 10 years
  3. 100 ADA will be 448 ADA in 20 years
In our article about the best Litecoin interest rates we have done a diagram that visualize this even better.

Where to buy Caradano ADA?

In the table below, we have listed the best crypto exchanges to buy Cardano ADA.

In addition, you can stake your ADA on all these exchanges to earn interest and you can find all the interest rates in the table above in this article.




How to buy Cardano ADA with PayPal?

There is limited places where you can buy Cardana ADA with PayPal. However, Bitvalve is offering this option. In addition, you will get 10 free BTV of their native token when you sign up via our link.




Bitvalve logo

How to pay Tax on Cardan ADA interest Payouts?

You have to pay tax on your Cardano ADA interest payouts. In most countries this is income from capital.

There are many different crypto tax software that can automate this process for you. 

Either you export a CSV file from the exchange and upload it to your tax software or you connect the exchange and the tax software via an readable API key.

Tax Software


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