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Best Crypto Interest Account – How to Earn Interest with Cryptocurrencies

Crypto adoption is at its highest level ever, driven by the popularity of coins such as Bitcoin and Ethereum. An added benefit of this trend towards crypto adoption is that several new and exciting services have become available for investors – with crypto interest accounts being the latest way to optimize your investment.
Best Crypto Interest Account
Best Crypto Interest Account

In this article, we’ll discuss the best platforms to earn interest on crypto before providing a step-by-step guide on how you can begin generating an annual percentage yield (APY) on your cryptocurrency holdings today.

3 Best Crypto Interest Accounts

If you’re wondering where to earn interest on crypto, below are three of the most respected platforms based on online reviews, that all offer crypto interest accounts with high interest rates:

  • AQRU – Overall Best Crypto Interest Account
  • – Popular Trading Platform with Attractive Crypto Interest Rates
  • Nexo – User-Friendly Crypto Interest Account Supporting 40 Different Coins

Best Crypto Interest Platforms Reviewed

The three platforms noted above make earning interest on crypto straightforward to accomplish. With that in mind, let’s dive in and explore each of these platforms in more detail:

1. AQRU – Overall Best Crypto Interest Account

AqruOur recommended trading platform for those looking to earn interest on crypto is AQRU. AQRU is a division of Accru Finance Ltd, a London-based financial services firm. The platform provides an ‘all-in-one’ portal where you can purchase various digital currencies and begin generating interest immediately. AQRU pays interest daily and doesn’t employ any lock-up periods, considerably boosting investor flexibility.

At present, AQRU offers yields on five different coins – BTC, ETH, USDT, USDC, and DAI. Returns on the three stablecoins can reach up to 12% per annum, whereas yields for BTC and ETH total 7% per annum. Notably, AQRU charges no fees during the yield generation process and no deposit fees when funding your account.

Crypto Interest Accounts Aqru

AQRU accepts both FIAT and crypto deposits, although you can also purchase crypto through AQRU’s platform. This process is facilitated via the leading payment gateway MoonPay and removes the need to own crypto before creating an AQRU account.

As touched on earlier, AQRU has no lock-up periods, meaning you can withdraw your holdings at any time. FIAT withdrawals are free to make, whereas crypto withdrawals will have a small fee attached. Finally, AQRU also has a stellar reputation for customer security and employs Multi-Sig technology from Fireblocks to keep your holdings safe.

See our full Aqru review.

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2. – Popular Trading Platform with Attractive Crypto Interest Rates

Another great option if you’re interested in earning interest on crypto is Many people will have already heard of, as it has become one of the fastest-growing crypto trading platforms in the industry. However, also offers a service called ‘ Earn’, which allows users to generate a yield on their digital currency holdings.

This service supports over 40 different cryptocurrency assets and offers interest of up to 14.5% per annum on certain assets. Stablecoin deposits can generate interest of up to 10% per annum, depending on the lock-up period employed and the amount of CRO that you have staked. Interest is accrued on deposits daily and is paid every week.

Earn interest on crypto also offers flexible deposit options, which allow you to withdraw your holdings at any time. You can also make as many allocations as you like, meaning you can significantly increase your weekly interest payments.

Finally, you can complete the process of commencing interest generation in minutes via the App, where you can also monitor your holdings and make withdrawals whenever you please.


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3. Nexo – User-Friendly Crypto Interest Account Supporting 40 Different Coins

NexoRounding off this list of where to earn interest on crypto is Nexo. Nexo is a regulated digital assets platform that offers a wide range of crypto-based services – including a crypto interest account. You can earn up to 17% APR (annual percentage return, the same meaning as APY) on certain coins, with interest payments made daily.

Interest on the Nexo platform is also compounded, with zero fees to be aware of when using this service. Nexo supports over 30 cryptocurrencies, including major coins like BTC and ETH and stablecoins such as USDC and DAI. Nexo also offers the option to earn interest in NEXO, the platform’s native token, which will provide a higher APR.

Earn crypto interest on Nexo

When partnering with Nexo, you can lock up your crypto for a more appealing interest rate or use Nexo’s FLEX offering to gain flexible access to your holdings. Nexo also allows you to top up your interest account at any time and withdraw at any time – without losing any accrued interest.

Finally, the platform even boasts a high level of security, with a $375 million insurance policy helping protect you in the unlikely instance of a cyberattack.

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How to Earn Interest on Crypto – Tutorial

Now that you have an overview of the best crypto interest accounts on the market, let’s discuss how to earn interest on Bitcoin and other cryptocurrencies. Detailed below is a step-by-step guide on how to begin generating a yield on your holdings with our recommended platform, AQRU – all in a matter of minutes.

Step 1 – Sign Up for an AQRU Account

Head over to AQRU’s homepage and click ‘Sign Up’. Enter your email address, create a password, and choose the currency you’d like your account to be denominated in.

How to earn interest on crypto

Step 2 – Verify your Identity

Click the ‘Verify your identity’ banner on your dashboard and follow the on-screen instructions to complete AQRU’s KYC checks. You’ll then be asked to upload a photo ID (e.g. passport), proof of address (e.g. bank statement), and submit a 20-second video for identity verification.

Aqru verification

Step 3 – Make a Deposit

Once verified, you are free to make a deposit. Click ‘Deposit’ on your dashboard and choose between bank transfer, crypto, or card payment. The former two options are free to make, although by choosing the latter, you can purchase crypto directly through MoonPay, a respected crypto payments provider.

Deposit onto Crypto Interest Account

Step 4 – Begin Earning Interest

Click ‘Invest’ on your dashboard and opt for BTC, ETH, or Stablecoin. Enter the amount you’d like to invest in the order box that appears, check everything is correct, and click ‘Invest’ once more. The funds will then move to the ‘Invested amounts’ section of your account, where they will begin accruing interest immediately.

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Crypto Interest Rates

Before rounding off this article, let’s briefly discuss how crypto interest works. Essentially, crypto interest accounts work in the same manner as regular bank accounts, in the sense that they accept customer deposits and then lend the funds to third-party borrowers. Certain crypto interest providers may also lend customer deposits to support decentralized exchanges.

Since crypto-assets tend to be in high demand since they cannot be obtained as easily as FIAT currency, the interest rates offered by crypto interest accounts are much higher than regular bank accounts. This is why certain cryptocurrencies will command a higher APR, as they are considered scarcer than others.

To provide an example of these rates, presented below is a breakdown of the yields offered by the leading crypto interest account, AQRU:

  • BTC – 7% per year
  • ETH – 7% per year
  • USDT – 12% per year
  • USDC – 12% per year
  • DAI – 12% per year

Best Crypto Interest Account – Conclusion

To summarize, this article has discussed a selection of the best crypto interest accounts on the market, ensuring you have all the information you need to make an effective investment decision.

AQRU is our top pick for crypto interest accounts due to the platform’s cost-effective fee structure and attractive interest rates. In addition, since AQRU doesn’t employ any lock-up periods, you’ll have unrestricted access to your holdings at all times.

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