Key Takeaways
- Two basic ways to earn on crypto - staking and lending platforms
- Recommended - purchasing crypto from a crypto exchange and holding it in a crypto savings account as a way to earn interest
- List of factors to consider when choosing a crypto savings account: locking period, withdrawal options, and interest rates.
If you’re thinking about getting into crypto and want a low-effort way to grow your portfolio, a crypto savings account might be the perfect place to start.
Now, it’s true—they’re not as secure as your typical bank or credit union savings accounts. But the trade-off? Way better returns. You can actually earn a decent passive income just by parking your crypto in the right place.
That said, before jumping in, it’s super important to understand how these accounts work, what the risks and rewards are, and how to maximize your returns without exposing yourself to unnecessary risk.
So let’s break it all down—plus, I’ll walk you through some of the top crypto savings accounts for 2025 that are worth checking out.
| Where to earn interest | Features | Score | Sign Up |
|---|---|---|---|
Best flexible staking rates  | ☑️ Highest rates for flexible staking ☑️ Dual asset mining and liquidity mining available to earn higher rewards ☑️ No KYC required to use this exchange | 9.8 | Sign Up |
Earn interest on 350+ coins  | ☑️ Earn interest on a huge range of more than 350+ cryptocurrencies ☑️ High rewards when you lock crypto for 120 days ☑️ Largest crypto exchange in the world | 9.5 | Sign Up |
Best mobile app for staking  | ☑️ Easy-to-use mobile app where you can earn interest on crypto in a few clicks ☑️ Earn interest on 20+ coins, with 3-month fixed term giving the highest rewards ☑️ Use the Crypto.com debit card to receive cashback in CRO coins on every purchase | 9.2 | Sign Up |
How Can You Earn Interest on Crypto?
There are two main ways people earn passive income on their crypto: staking and lending platforms.
1. Staking
Staking is a great option—but it’s only available for certain coins that run on a Proof of Stake (PoS) blockchain. Basically, you lock up your crypto to help validate transactions on the network, and in return, you earn rewards—kind of like earning interest just for helping keep the blockchain running.
The cool part? You’re still holding your crypto, but it’s working for you behind the scenes.
2. Lending Platforms
Lending is another solid way to earn interest. Instead of just holding your coins in a regular wallet, you lend them out through a crypto lending platform. The platform then loans those funds to other users, and you earn a cut of the interest.
To be clear—you’re not directly lending to someone else. The platform acts as the middleman and takes care of all the logistics (and risk).
Where Can You Earn Interest on Crypto?
If you're serious about earning interest on your crypto, the first step is to buy crypto on a reputable exchange, then move it to a crypto savings account.
We get it—figuring out which platforms are legit and which rates are actually real can be overwhelming. That’s why we’ve tested and reviewed some of the top crypto interest accounts out there, and we only recommend ones we’ve personally used and trust.
How to Pick the Right Crypto Savings Account
Before we jump into the list, here are a few key things you should look for when choosing where to stash your crypto:
- Supported coins – Does it offer interest on the coins you already hold?
- Interest rates – Are the APYs competitive and clearly explained?
- Payout frequency – Daily, weekly, monthly? It makes a difference.
- Withdrawal terms – Can you pull out your crypto anytime, or is it locked?
- Security & reputation – Has the platform proven to be reliable?
Once you’ve got a sense of what matters most to you, you’ll be in a much better spot to choose a platform that actually fits your needs.
After you’ve examined and answered these questions, it’s high time to check out our compilation of the five best crypto savings accounts, with detailed information and pros & cons for each platform.
Best crypto savings accounts: Individual Reviews
#1. Bybit - Best flexible interest rates
Bybit has quickly become one of the go-to platforms for anyone looking to earn passive income on their crypto. Their Bybit Earn feature is the star of the show, offering both flexible and fixed-term staking options depending on how hands-on (or hands-off) you want to be.
What really makes Bybit stand out is its competitive APRs across popular assets like Bitcoin, Ethereum, and stablecoins—so whether you’re a risk-taker or prefer to play it safe, there’s something for you.
The platform’s layout is super clean and beginner-friendly, but still offers enough features to keep more experienced users happy. Plus, they’re always rolling out promos and bonus rewards, which is a nice way to give your earnings an extra boost.
Current interest rates for BTC and ETH are 2.5% APR, and for USDT is 10.15% APR. This is with flexible staking, so you can withdraw at any time.
- 280+ cryptocurrencies to buy, sell or trade
- Intuitive interface makes it easy to use and earn interest
- Frequent promotions and bonus programs to help you earn higher interest
- Secure crypto savings account, with more than 60 million users worldwide
- Not available in the USA unless you use a VPN
#2. Binance - widest range of interest-earning opportunities
Binance is the biggest name in the game when it comes to crypto exchanges—massive trading volume, tons of coins, and a platform that seasoned traders love for its depth and flexibility.
They support 600+ cryptocurrencies, and you can earn interest on over 350 of them, which gives you a ton of variety if you're looking to grow your holdings passively.
While interest rates aren’t the highest compared to other platforms, they get a lot better if you're willing to lock your assets. For example, AXS pays 4.1% with a flexible plan, but that can jump up to 17.9% if you lock it for 120 days.
One downside? Binance isn’t available to U.S. users. If you’re in the States, you’ll need to use Binance.US, but just a heads-up—it’s way more limited in terms of features and supported coins.
- 600+ cryptocurrencies to buy, sell or trade
- Interest-earning options on 350+ cryptocurrencies
- Higher interest rates if you lock coins for 90 or 120 days
- Largest cryptocurrency exchange in terms of trading volume
- Earning interest on popular coins is often sold out
- Not available in the USA
#3. Crypto.com - earn crypto cashback on Visa purchases
Crypto.com is hands-down one of the most popular crypto apps out there. It lets you buy, sell, and swap over 250+ coins, and you can also earn interest on 28 of them, which makes it a solid choice for both trading and passive income.
One of its standout features is the metal Visa debit card. There are a few tiers, and you can load the card with fiat and use it just like any regular Visa—online or in-store.
The cool part? Every time you make a purchase, you get cashback in CRO coins. The basic card gives you 1%, while the top-tier card offers up to 5%. It’s a great way to passively stack CRO, which you can then earn interest on or swap into other crypto.
Crypto.com is a solid option if you're looking to earn interest on your crypto. Through its Crypto Earn feature, you can choose between flexible or fixed-term staking. While it doesn’t currently offer interest on major assets like BTC, ETH, or USDT, it makes up for it with competitive rates on other coins like CRO, DOT, SOL, XTZ, and GRT. So if you’re open to earning on lesser-known assets, the returns can actually be pretty decent.
They also have a tiered rewards system that boosts your earnings if you’re staking CRO long-term, which adds a nice incentive if you’re already holding some.
If you’re someone who uses a debit card regularly, Crypto.com is a great pick. Their Visa card gives you cashback in CRO on every purchase—up to 5%, depending on your card tier. There’s also a feature called Supercharger, where you can earn more crypto by staking CRO, and the coin you earn changes every couple of weeks.
- You can buy, sell and swap over 250+ different coins
- Earn interest on 28 cryptocurrencies with decent higher rates
- Cashback of up to 5% on every Visa debit card purchase
- Earn new coins with the Supercharger feature
- Limited number of cryptocurrencies to stake
Which crypto savings account has the highest rates?
If you're chasing the highest interest rates, Bybit is currently one of the best platforms to sign up with. Their Bybit Earn program offers strong returns, especially on fixed-term options, and they regularly run promotions to help you boost your earnings even more.
Are crypto savings accounts safe?
Like with any investment, there's always some risk involved. The high interest rates are definitely appealing, but you don’t have full control over your crypto once it's deposited. The level of risk really depends on the platform’s security setup, how it handles user funds, and whether it has any kind of insurance or fail-safes in place.
It's smart to research each platform, check out their security features, and see if they’ve had any past issues. And honestly, it’s a good idea to spread your crypto across a few different platforms, just in case one of them has trouble down the line.
Do you need to pay taxes on crypto savings account earnings?
In most places, yes—you’ll likely have to pay taxes on the interest you earn from crypto savings accounts. But the exact rules depend on where you live. It’s best to check with a local tax advisor or accountant who understands how crypto is handled in your country.
Where can you buy crypto?
You can pick up crypto on most major exchanges, especially the ones we talked about in the article. Platforms like Crypto.com not only let you buy a wide range of coins, but also offer the ability to earn interest on them right from the app, which makes everything super convenient if you're just starting out.
In the article, we broke down the top crypto savings accounts, highlighting what each one offers and who it’s best for—so you can make a call on where to park your crypto and start earning passive income.
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