Make smarter financial decisions with your cryptos. And increase your earnings exponentially with these high-yield savings accounts.

earn interest on bitcoin


The most common way for investors to store their crypto assets is in cold storage (for long term preservation). And others keep them on their favorite exchange platform.

While these may be the most popular methods, they can’t help them building their overall wealth or growing their holdings. 

Instead, they should consider the best way to earn bitcoin interest: signing up for a bitcoin interest account.


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How to Earn Interest on Bitcoin?

Traditionally, people store their money in bank accounts and even gain interest from what they deposited. In the same way, BTC interest accounts also let people to deposit and receive interest from their investment. Everyone considers this as one of the newest and exciting models in the blockchain industry.

This model can take place in a different number of ways – one of which includes interest-earning accounts. Everyone commonly knows this as simply lending bitcoin. The investors should first transfer their bitcoin holdings to the financial service provider. Then, the users will finally start to earn bitcoin deposit interest over time.

The blockchain industry is now constantly thriving. This is because of the rising number of businesses opening up and more investors on the lookout to earn more capital.

People with BTC can now deposit their bitcoin and earn up to a 6 percent interest per year.

The payouts come either daily, weekly, monthly, or yearly. This garners a bitcoin compound interest which increases the previously estimated amount to 6.2 percent. This is one of the easiest and convenient ways crypto investors can earn bitcoin while they HODL.

" Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it. "
albert einstein compound interest
Albert Einstein
Theoretical Physicist

How Does a Bitcoin Savings Account Work?

There is actually a growing number of companies starting to offer investors to earn bitcoin daily interest. It basically works when users send their cryptocurrency to their service provider’s wallet. Then over time, they can earn interest on bitcoin. This is a great new way for cryptocurrency HODLers to earn and store their crypto-asset holdings at the same time.

For the past few years, banks have been offering lower than usual interest rates which effectively makes the returns dis-satisfactory. So, people have been looking for greener pastures in order to start earning interest again. But in the bitcoin world, there have been little to no options for investors.

So because of this, these people are looking to the different alternate financial service providers. And with crypto accounts, investors can actually earn bitcoin interest of up to 6 percent annually. The clients can also earn bitcoin compound interest which definitely inflates their yearly returns.

Simple As...


The user deposits bitcoins into an interest account

The account must be secure, insured, and provided by a reliable company. The bitcoins on the account are technically the company's property.

The provider generates loan interests

Depending on the provider, the bitcoins are lent to retail, corporate and/or institutional borrowers who repay their loan to the provider, with interests.

The user gets compound interests in return

The account holder receives a share of the generated interests every month. And the new balance is then available to be lent again and again.

Take this for Example:

At a 6 percent bitcoin compound interest, a BlockFi user deposits 1 bitcoin on March 29. By the end of April, the investor will have a new balance of 1.005 BTC. This entire system repeats each month just until the client finally decides to withdraw their investment.

In continuation, if the bitcoin compound interest does not change, the investor that deposited only 1 bitcoin will see that their overall holdings will increase to 1.062 BTC (+6.2%) exactly a year after (after 12 months).

And, if the investor chooses to add more bitcoin to their account, the bitcoin compound interest will also compound and show in the new balance.

Let's say:

Another user deposits 1 bitcoin on February 1 then, on February 10, they deposit another 1 bitcoin. This means their current total balance is 2 BTC.

By March 1, the user will have earned 0.0078 BTC from interest. 0,0025 BTC comes from the first deposit and 0.0053 BTC is from the new balance. These two interests will then be added to the original balance. Now, the user’s new total balance is 2.0078 BTC.

What Is the Best Bitcoin Savings Account?

The smartest and easiest way for crypto holders to earn interest on bitcoin is by opening a bitcoin account. And they should get one that offers the lending of cryptocurrency.

While there are a few providers that offer the same services, even fewer are guaranteed to be the best for you. The top 3 recommended lending platforms are:

  1. BlockFi
  2. Nexo
  3. Celsius

Users who open an account with any of these providers will earn bitcoin interest of around 4-7%. And this is, without a doubt, a much better rate than the traditional bank interests.

Here are the interest rates that the different providers offer their users:


We actually mentioned this crypto lending provider earlier on and for good reason. BlockFi is best known for providing its clients with services that are available in the traditional banking world. But in the blockchain world. The company first started out with crypto-to-USD loans. And then continued to expand to other financial services. Its focus is on helping their clients to manage their digital assets and increase their net worth. BlockFi is also the easiest way of earning bitcoin daily interest.

This provider lends the crypto assets of its users only to credible borrowers – both corporate and institutional. And it rewards the lenders with interests. Also, to guarantee loan performance, they only lend cryptocurrency on over-collateralized items.

BlockFi even has an impressive risk management system that monitors positions 24 hours a day, 7 days a week. This reinforces the same system they use on their crypto-backed loans.

This interest account is available in most countries worldwide. It also requires a minimum balance of 0.5 BTC for clients to be eligible for earning interest. While BlockFi processes most withdrawals successfully on the same day, they reserve up to 7 days just in case.

earn bitcoin interest with nexo

Nexo is actually a brand of Credissimo, a leading FinTech group in Europe which was founded in 2007. This group uses innovative proprietary technology in order to provide eCommerce financing, bill payment services, and instant online consumer loans.

What makes this provider a cut above the rest is its cutting-edge technology solutions and visionary management. Not to mention an efficient business model that has been developed for over 10 years.

Nexo is fully operational with an instant lending platform that boasts an amazing user experience and bank-grade security. It is partnered with BitGo in order to fully secure all assets. BitGo is also backed by Goldman Sachs, insured by Lloyd’s, and is CCSS Level 3 and SOC 2 compliant.

Nexo also complies with the strictest KYC and AML global standards. And there are even famous companies that trust their services: HSBC, Revolut, Coinbase, TransferWise, Bittrex, and Nationwide.






Celsius network was recently founded in 2017. It aims at developing blockchain technology in order to “provide unprecedented financial freedom, economic opportunity, and income equality for the 99%.”

Their drive mostly comes from the desire to oppose financial institutions and famous banks. Because they consider these always push through with risky, and unethical methods. Their goal is to replace these old, corrupt models. And they are offering a brand new and improved model that will only act in the community’s best interest.

One notable thing about Celsius is that it actually provides clients with services that aren’t available in traditional banking institutions.

earn bitcoin interest with celsius

Bitcoin Saving Wallets

In decentralization, nobody has control over the investors’ money except for the investors themselves. So, it is actually not possible to earn bitcoin daily interest from a cold crypto-wallet.

But, there are some companies that choose to give bitcoin compound interest to clients that choose their services. Here are a few:

  2. Cointiply

Users that open an account with these two are guaranteed to earn bitcoin interest of around 4-5%.

These are the interest rates that they offer:

This bitcoin faucet is great for users that look to earn BTC for minimal effort. offers easy captchas, a good payout range, and a website that loads fast. And now, it offers a bitcoin savings wallet.

Their clients receive around 4.08% bitcoin daily interest from whatever balance they hold in their account. And that is without having to do much. They only need to maintain an account balance of at least 0.0003 BTC (30,000 satoshis). Then, the site will automatically pay bitcoin compounded interest on their full balance daily.

A great thing about this faucet is that it has no lock-in period. Users can start to earn interest on bitcoin right from the first day. And they can withdraw their balance at any time. is basically an instant-access savings account that holds excess bitcoins and earns passive interest.

This is one of the bitcoin faucets that offer a number of ways to earn interest on bitcoin. Cointiply actually has the highest payouts in the entire BTC market. It pays an annual interest of 5% on bitcoin balances that are over 35,000 coins.

For users to qualify and earn bitcoin interest, they must :

  • maintain an average balance of 35,000 coins per week;
  • switch on “Enable Interest” in the user settings;
  • make at least 1 claim each week.

The interest is calculated using an annual interest rate of 5%. And it is paid out once a week based on the user’s average daily balance. All the interest payments are conveniently recorded in the activity feed, with the total displayed on the withdrawal page.

Get Started

There are a lot of different methods for investors to earn interest on bitcoin and create a passive income.

But it is a known fact that there are some advantages and disadvantages that come with this line of business. So, all investors should do thorough research and self-educate in order to avoid scams and losses.

When a user moves BTC into a deposit account, the user is placing the platform in control of their funds. This is why it is important to look for a reliable and trustworthy platform.

Having a bitcoin savings account is ideal for users who think their coins’ value will rise over time. Additionally, it is more secure than traditional wallets because BTC banks have a venture capital that covers potential losses.

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