Disclaimer: Celsius has filed for bankruptcy, and the information on this page is no longer relevant. If you are looking for a platform to earn crypto interest, here are our top recommendations:
Investing in crypto is a great way to earn some passive income, and due to its popularity, there are many platforms to choose from. However, choosing the right platform that suits your needs can often be tricky.
In this article, we will review and compare two great platforms - Celsius (read review) and YouHodler (read review). We will also talk about features, fees, security, and all the important aspects you shouldn’t neglect when choosing the right platform to invest in crypto.
Celsius vs YouHodler: Interest Rate Comparison
Header |  |  |
|---|---|---|
 BTC | 6.50% APY (First 0.1 BTC) | 4.8% APR (First 0.1 BTC) |
 ETH | 6% APY (First 2 ETH) | 5.5% APR (First 1.5 ETH) |
 USDT | 7.10% APY | 12.3% APR (First 20,000 USDT) |
 USDC | 7.10% APY | 12% APR (First 20,000 USDC) |
 DAI | 4.60% APY | 12% APR (First 20,000 DAI) |
Cell |
Header | | |
|---|---|---|
BTC | 6.50% APY (First 0.1 BTC) | 4.8% APR (First 0.1 BTC) |
ETH | 6% APY (First 2 ETH) | 5.5% APR (First 1.5 ETH) |
USDT | 7.10% APY | 12.3% APR (First 20,000 USDT) |
USDC | 7.10% APY | 12% APR (First 20,000 USDC) |
DAI | 4.60% APY | 12% APR (First 20,000 DAI) |
Cell |
Celsius vs YouHodler: Comparison Table
Cell | | |
Nunber of Coins | 46 | 57 |
Minimum Deposit | None | $100 |
Withdraw Fee | Free | SWIFT bank wire in USD: 1.5% or $70 (whichever is greater); SWIFT bank wire in EUR: €55; SEPA bank wire in EUR: €5; GBP bank wire: £55 Crypto: varies |
Pros | - $50 FREE Bitcoin bonus - Higher interest rates if rewards paid in native CEL token - CelPay is easy to use | - 57 cryptocurrencies on offer - Strict AML and KYC processes - Good customer service |
Cons | - Highly centralized control - Not many coins available for purchase - No crypto exchange and limited trading through 3rd party vendors | - Minimum $100 investment - Maximum $100,000 total - Not available in the USA |
Website |
Celsius vs YouHodler: Comparison Table
Cell | | |
Number of Coins | 46 | 57 |
Minimum Deposit | None | $100 |
Withdraw Fee | Free | SWIFT bank wire in USD: 1.5% or $70 (whichever is greater); SWIFT bank wire in EUR: €55; SEPA bank wire in EUR: €5; GBP bank wire: £55 Crypto: varies |
Pros | - $50 FREE Bitcoin bonus - Higher interest rates if rewards paid in native CEL token - CelPay is easy to use | - 57 cryptocurrencies on offer - Strict AML and KYC processes - Good customer service |
Cons | - Highly centralized control - Not many coins available for purchase - No crypto exchange and limited trading through 3rd party vendors | - Minimum $100 investment - Not available in the USA |
Website |
- Free $50 BTC sign-up offer
- Benefits for using the native CEL token including higher interest rates
- CelPay is easy to use
- $30 million insurance fund for assets stored within the Celsius wallet app
- Can trade via desktop, iOS or Android apps
- No fees for loan origination, minimum balances, or transfers
- Highly centralized control
- Not many coins and tokens available for purchase
- No crypto exchange, and limited trading through third-party vendors
- 57 cryptocurrencies on offer
- Advanced trading tools
- Strict Anti-Money Laundering and Know Your Customer processes
- Good customer service
- Minimum $100 investment requirements
- Maximum $100,000 combined over all cryptocurrencies
- Not available in the USA
Celsius vs YouHodler Features
One of the first features we should mention about Celsius is its welcome bonus. Basically, if you invest $400 or more, you will get a $50 bonus in BTC if you sign up with this link.
Celsius supports over 40 different coins, and an intuitive payment method called CelPay. Also, with over $30 million stored in insurance, Celsius is one of the largest crypto interest platforms in the world. On the other hand, Celsius has highly centralized control, and very limited trading through third-party vendors.
You can also buy and sell crypto, swap crypto, borrow crypto, and they are planning to release a credit card where you earn rewards on your credit card spend, and also earn rewards on your crypto collateral.
On the other hand, YouHodler provides some unique features that can be quite beneficial to some users. Besides offering you a chance to earn interest on crypto, it also allows you to borrow against your crypto.
For example, let’s say that you have crypto in your digital wallet, but you need cash. This platform allows you to use your crypto as collateral, which offers high loan-to-value ratios. Note that this is a secured loan, so you don’t have to implement a credit check, and all loans are approved within a couple of seconds.
YouHodler offers a unique trading service called Multi HODL for those with a higher risk-appetite, looking for higher returns. Multi HODL allows users to invest 80% of their collateral in the stable market and 20% into risky but high-paying investments. This means your overall equity is protected, but also gives the opportunity to earn multiple times more than regular returns.
YouHodler also follows strict Know Your Customer guidelines, so you can be sure that your money is safe. On top of that, YouHodler has excellent customer service, which is a big plus. You should, however, know that YouHodler is not available in the USA.
Winner - Celsius
Celsius wins when it comes to features, as you can buy, sell, swap and borrow crypto, as well as an additional payment system called CelPay.
Celsius vs YouHodler Fees
Another important thing we should discuss is fees. Celsius does not charge any crypto withdrawal or crypto deposit fees. There are fiat deposit fees, which vary depending on which payment method you choose. Fiat withdrawals are not supported on Celsius.
On YouHodler, crypto deposit fees are free but fiat deposits vary depending on which option you choose. For example, fees are $25 for Swift bank wire, 4.5% for a credit card, and 1% for an AdvCash account. Crypto withdrawals will depend on the coin, and can be checked in the withdrawal form of your wallet. Fiat withdrawals also vary depending on the method you choose.
Winner - Celsius
Celsius wins this round as it offers free crypto withdrawals and deposits, whereas YouHodler charges crypto withdrawal fees.
Number of Cryptocurrencies
YouHodler has 57 cryptocurrencies.
Celsius has 46 cryptocurrencies.
Winner - YouHodler
YouHodler has 57 cryptocurrencies on offer, which is slightly more than what Celsius offers.
Celsius vs YouHodler Security
Security is, obviously, a very important thing to consider when investing your money and working with crypto. The good thing is - both platforms have excellent security systems.
Celsius stores all crypto assets in cold storage, and all the information about customers is SSL-encrypted. Another interesting fact is that Celsius never got hacked, even though the platform has been around for half a decade.
YouHodler also has a top-notch security system, including two-factor authentication. Also, if you have over $10,000 on your account, you can disable withdrawals for more security. YouHodler keeps the assets in both hot and cold storage, but the percentage split is unknown.
We should also mention that YouHodler works with digital asset security company Ledger Vault. Therefore, private keys are secured and not controlled by YouHodler.
Winner - YouHodler
The security of both of these crypto interest platforms is excellent, But YouHodler takes every precaution in the book by employing 2FA (two-factor authentication), cold wallet storage, and ledger vault protection to enhance its security.
Verdict - Celsius
Both platforms are, obviously, a good choice if you want to earn crypto. However, Celsius is a winner in our opinion. It has no crypto deposit or withdrawal fees, it has more coins, and the $50 bonus when you sign up with our link, and deposit $400 is definitely useful.
Overall Winner - Celsius
Celsius wins with higher interest rates and no crypto withdrawal fees. Another bonus is that it is available in the USA, whereas YouHodler is not.
Frequently Asked Questions
Short answer? Yes. Since its inception in 2017, Celsius has rapidly grown to become a leading cryptocurrency earning and borrowing platform.
Yes, YouHodler is a trusted crypto interest platform. It has multi-layered security measures, such as 2FA, cold storage of assets, and options to disable withdrawals for additional security if you have more than $10,000 stored.
YouHodler works with digital asset security experts Ledger Vault, ensuring, private keys are encrypted, secured, and not controlled by YouHodler staff.
Alex Mashinsky is the CEO and Co-Founder of Celsius.
Still Researching?
If you are still deciding where to earn interest on your crypto, you can read my full review on Celsius (here) and YouHodler (here) or have a look at my article on earning compound interest on your crypto.
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