YouHodler Review

YouHodler Review

Robert McDougall 

January 8, 2024


What is YouHodler?

YouHodler is a European FinTech platform where users can invest, earn interest, trade assets and lend or borrow money. The platform began in 2018 with very few options. But since then, YouHodler has expanded its services and provides a professional, secure and seamless experience, so users will feel comfortable using it for long periods of time. The platform offers a great variety of investment options with which users can expand their crypto portfolios. It also offers interest rates above 10% on stablecoins, which is quite good.

Due to the beginner-friendly interface and almost instant signup process, it is very convenient to start your investment journey with YouHodler. Users can also simply purchase cryptocurrencies and keep them in their YouHodler wallets if they are not interested in any investment activities. YouHodler also supports deposits and withdrawals of fiat currencies, making it easy for users to deposit funds and get started on the platform. There are several convenient payment methods, such as credit or debit cards and bank transfers. But before you sign up on the platform, check whether it allows users from your country to join.

  • Web Address:
  • Main Location: Limassol
  • Cryptocurrencies: BTC, USDT, DAI, ETH, BNB, & 50+ more
  • Fiat currencies: USD, EUR and GBP
  • Deposit Methods: Credit/Debit cards, SEPA, Cryptocurrency
  • Deposit Fees: SEPA, Crypto: Free; Bank deposit: 25 USD or 20 GBP; Bank cards: 4.5%; AdvCash: 1%
  • Mobile App: Yes

My Overall Thoughts on YouHodler

YouHodler is the perfect example of how cryptocurrency is shaping the future of finances and how users can move beyond the traditional ways of trading and investing. YouHodler not only offers its users beneficial trading opportunities but makes the overall experience easier and far better than most other platforms do. For example, YouHodler accepts several payment methods, like bank transfers and credit cards, so you can purchase crypto and start investing in no time.

The platform also offers several other conveniences. The beginner-friendly interface and guiding content help you get started with confidence. While features like these are great, there are a few things about YouHodler that I think are the best. Take a look at those things below:

1) You can great returns on stablecoins and other assets:  Users can easily earn up to 12% APR on stable assets and 30% on volatile ones. YouHodler is one of very few crypto platforms to offer this impressive of returns on staking. With YouHodler, you can easily grow your equity in the long term.

2) The platform offers instant fiat loans:  If you are short on money and want to take out a loan, without selling your crypto assets, YouHodler can help you out! The platform offers fiat loans; users just have to deposit crypto on the platform as collateral. Users also pay a low interest rate depending on their chosen period.

3) Purchase, sell and swap assets:  These three options on YouHodler allow users to enter the crypto world really easily. You can buy crypto with your credit or debit card and then sell it or swap it right from the exchange without any major inconveniences.

If YouHodler made its platform available to major regions like China and the US, it would attract way more users. The platform also needs to work a little on its customer support by offering live chat to users so they can solve their concerns without long waits.

Key Features & Advantages of YouHodler

YouHodler is an all-in-one crypto- and fiat currency exchange with a lot to offer. Users can buy cryptocurrencies with several payment methods and hold them long term. Or they can dive into investment opportunities and let their assets earn interest. YouHodler even offers cash loans.

Premium security, a user-friendly layout, quick signup and a great help center are just a few of YouHodler’s benefits. To help you decide if you want to sign up on the platform, we have listed all the platform’s features and advantages:

Negatives & Disadvantages of YouHodler

YouHodler is unquestionably one of the best places to invest money and to swap assets, but along with all the benefits, there are a few negatives and disadvantages of the exchange. Keep the following in mind before using the platform:

What Services Does YouHodler Offer?

YouHodler offers a solid investing experience, supporting a great variety of crypto assets with earnable interest. While YouHodler might not have the best trading features, it does allow users to swap assets instantly and easily with the best prices. You can also purchase and sell cryptocurrencies directly on the platform if you are not interested in investing or other activities.

It is very straightforward to get started on the platform. To learn what to expect when you join and how these services can benefit you, read below.

Purchase and sell cryptocurrencies instantly:  YouHodler allows users to purchase and sell cryptocurrencies almost instantly right from the exchange. Users can opt for credit cards to make the process faster or go with bank deposits. These payment options allow users to get their hands on a variety of cryptocurrencies without long procedures, and it gives them access to the best rates.

Quick and easy asset swaps:  Whether it be stable coins, another cryptocurrency or fiat currencies, users can easily and quickly swap or exchange it on YouHodler. If you want an asset besides the one you already have, you can swap your held asset directly for the new asset. This saves a lot of time and hassle because you won’t have to sell your asset, convert it to fiat and then buy the asset you want. Everything can be processed with a single click.

50+ cryptocurrencies and fiat assets:  YouHodler has a great variety of assets, both fiat and crypto, that users can buy, hold, stake, borrow or loan. This means users can diversify when investing, which helps lower risk and optimize earnings. Many crypto interest platforms offer only a few assets, but YouHodler has more than 30 cryptocurrencies that can make you money in the long term.

Mobile apps:  YouHodler users can swap, buy, sell, borrow or stake their cryptocurrencies right from their mobile phones, thanks to the platform’s mobile apps available for Android and iOS devices. Having an optimized mobile app offers portability so users can access their funds anywhere and anytime they want.

Up to 12% APR on stable assets:  YouHodler offers great returns on multiple stablecoins. The highest APR is about 12.3%, which is impressive. Some volatile coins come with an APR of 30%, but those come with high risks too.

Great returns allow users to gradually grow their portfolios and make their assets work for them. You can increase your collateral every single year just by locking it for a period. After that, you don’t have to do literally anything. Users can choose from a variety of assets to stake, each with different interest rates and volatility.

When you invest your money in stable assets, you almost guarantee making money, since their prices do not fluctuate much and you still get to keep the massive APR in return.

Get instant fiat loans:  YouHodler has a unique way of offering loans. Users can obtain fiat loans by providing crypto collateral. In other words, users deposit cryptocurrencies on YouHodler, keep holding them and in return, they get up to a 90% LTV (loan-to-value) rate for the fiat loan. This process is much simpler and faster than the old-school method of obtaining a loan, which involves long wait periods and lots of forms and agreements. It’s convenient for both parties, as the platform still has liability over you and you still hold your coins while having access to additional fiat.

Turbocharge chain of loans:  Turbocharge is another unique feature of YouHodler. With it, users can obtain a chain of loans using their crypto collateral. This feature is most beneficial when there is a bull run and you know for sure that your assets will grow in price. When that happens, Turbocharge lets you use your borrowed fiat to purchase additional crypto assets. You can do this as many times as you want, developing a chain of loans. Eventually you can have a massive amount of the asset you are using as collateral. You unlock the final amount of crypto after paying back the Turbo loan.

Thanks to this unique chain-loan system, Turbocharge helps users make the most out of bull runs.

Earn more with Multi HODL:  YouHodler has a trading service called Multi HODL for those willing to take risks and potentially earn more in return. Multi HODL allows users to invest 80% of their collateral in the stable market and 20% into risky but high-paying investments. Allowing only a portion to be invested this way protects your overall equity but still gives you the chance to earn multiple times more than the usual returns. Just keep the risk in mind if you opt for it.

Beginner-friendly platform:  YouHodler has a very beginner-friendly interface and layout that allows users to get started within minutes. Even new users can explore all the available options without being confused by complicated features and sections. The platform has divided the features to make them easier to use.

Extensive, detailed help center:  There is an extensive help center at YouHodler that focuses on solving common problems and explaining features of the platform. The help center offers detailed and thorough guides. This helps users to make the most out of the platform and its services.

Great security and safety:  YouHodler is available in over 180 countries worldwide. The platform abides by KYC laws and regulations. It has also integrated several multilayer protective systems to make the exchange safe and secure. YouHodler encourages users to verify their identities and protect their accounts. They also store all the users’ funds in cold storage, keeping the funds offline, which makes them nearly impossible for hackers to access.

These aspects build trust among the crypto community and provide full immunity to users’ funds. You can invest your money at YouHodler with peace of mind.

High-paying affiliate program:  YouHodler has a high-paying affiliate program through which users earn a side income just by bringing traffic and investors to the platform. Users can earn up to $130 through a single affiliate when all the requirements are met. When an affiliate simply opens a savings account, YouHodler pays the referrer $20. YouHodler has additional payout models along with a high conversion rate that helps affiliate marketers earn more. The earnings are above average compared to other crypto platforms’ affiliate programs.

What I Don't Like About YouHodler

There are a few things about YouHodler that you should take into consideration before joining. The platform should also take notice of them and try to make these aspects better.

No live chat support:  YouHodler has an extensive help center where users can learn the basics of the platform and its features, but unfortunately, it does not have live chat support. The only way users can contact representatives of the platform is through email or the contact bar on the lower right panel of the website. Live chat tends to solve problems much faster and more efficiently than these options do.

Many restricted regions, including the US:  YouHodler is restricted in two of the biggest regions in the world: China and the United States of America. There are a few other Asian countries that are also not supported.

YouHodler Fees

YouHodler Deposit Fee

The deposit fee on YouHodler is as follows:

  • SEPA Transfers: Free
  • USD Transfers (SWIFT): 25 USD
  • GBP Transfers: 20 GBP
  • AdvCash Wallets: 1%
  • Bank Cards: 4.5%

The minimum deposit amount through banks is 100, whether it is USD, EUR, CHF or GBP. Make sure to keep this in mind when depositing.

YouHodler Conversion Fee

The YouHodler conversion fee varies depending on the selected pair. Some pairs are totally free to convert, while you might have to pay anywhere between $1 to 5% for other conversions on the platform.

YouHodler Fiat Withdrawal Fee

The fiat withdrawal fee on YouHodler is as follows:

  • USD (SWIFT): 1.5% (Minimum Amount: 70 USD)
  • EUR (SWIFT): 55 EUR
  • EUR (SEPA): 5 EUR
  • GBP: 0.15% (Minimum Amount: 55 GBP)
  • CHF: 0.15% (Minimum Amount: 15 CHF)

Direct bank wire transfers also come with different minimum withdrawal amounts. The minimum withdrawal amount for USD/EUR SWIFT and GBP is 500,  for SEPA it is 50 EUR and for CHF it is 50.

YouHodler Crypto Withdrawal Fee

Each of the crypto assets on YouHodler comes with a unique set fee. Access the crypto withdrawal page through your account to learn how much you have to pay to withdraw crypto assets on the platform.

Pros and Cons of YouHodler

  • Up to 12% APR on stablecoins
  • Popular crypto assets supported
  • Buy, sell and swap cryptocurrencies with ease
  • Get instant fiat loans
  • Earn more with MultiHODL and Turbocharge
  • Various regions not supported
  • No live chat support

The Verdict

In the end, if you are interested in making long-term investments with stable and impressive returns, YouHodler is the place for you. The platform not only allows users to invest in stable assets but also supports the staking of many popular cryptocurrencies, whether stable or not. If you want to purchase or sell cryptocurrencies, YouHodler has a fast and efficient process to do so. Users can also swap their assets on the exchange, whether it be fiat currencies or cryptocurrencies.

The inclusion of features like MultiHodl and Turbocharge also brings different opportunities for users to broaden their chances of success and make their investments better. It can also be convenient to obtain a quick fiat loan without the hassle of long procedures and agreements. Overall, YouHodler is a great all-around investment platform that makes users’ experience better and more feasible.

If you want to research other crypto interest platforms before making a decision, you can read our article on the best places to earn interest on your crypto

Frequently Asked Questions

Is YouHodler a safe investment platform?

YouHodler is a safe and secure crypto investment platform that offers high returns to users on stable and other crypto assets.

Can users from the US use YouHodler?

Unfortunately, YouHodler is not available to people residing in the US, as well as people in a few other countries, like China, Pakistan and Bangladesh.

How long has YouHodler been in the industry?

YouHodler has been serving users since 2018. They have built a name in the crypto community, evidenced by the fact that the platform is available in more than 180 countries worldwide. provides all its content for informational purposes only, and this should not be taken as financial advice to buy, trade or sell cryptocurrency or use any specific exchange. Please do not use this website as investment advice, financial advice or legal advice, and each individual's needs may vary from that of the author. This post includes affiliate links with our partners who may compensate us.

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