CeFi Rates

Compare the Best Crypto
Interest Accounts

Compare interest rates, withdrawal fees, and other factors, across the top CeFi platforms. Find the best place to earn on your crypto.

Table scrolls horizontally
Platform
Base APY (paid in kind)
Max APY
Withdrawal Fee
Sign Up Bonus
Additional Info
Nexo logo  Nexo
4% on first $50,000
1% for over $50,000
6.00% on first $10M - requires locking asset for 1 month and owning 10% of portfolio in NEXO tokens
network fees, but 1-5 free withdrawals per month depending on how many NEXO tokens you hold
up to $150 in BTC
Nexo US customers can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest
Haru Invest logo  Haru Invest
5.50% (APR)
14.00% (APR) - highest rate requires locking asset for 365 days
0.0001 BTC
extra 0.2% interest
5 BTC max limit, but no limit if you lock asset for 15 days or longer
Hodlnaut logo  Hodlnaut
5.33% on first 0.1 BTC
3.04% for 0.1 to 1.5 BTC
2.53% for 1.5 to 3 BTC
1.31% for over 3 BTC
5.33% on first 0.1 BTC
0.0004 BTC, but 1 free crypto withdrawal per month
$30 in USDC
-
BlockFi logo  BlockFi
3% on first 0.1 BTC
1% for 0.1 to 0.35 BTC
0.1% for over 0.35 BTC
3% on first 0.1 BTC
0.00075 BTC, but 1 free crypto withdrawal per month
up to $250 in BTC
BlockFi US customers can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest
Celsius logo  Celsius
6.5% on first 0.1 BTC
2.5% for 0.1 to 3 BTC
1% for over 3 BTC
8.53% on first 0.1 BTC - requires accredited investor status, owning over 25% of portfolio in CEL (or 25,000 CEL), and receiving interest in CEL
Celsius has paused all withdrawals as of June 12, 22; see Celsius Announcement
$50 in BTC
non-accredited investors in the US can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest
Vauld logo  Vauld
4.60%
6.70% - must lock asset for 1 month
network fees
activity bonuses
-
Voyager logo  Voyager
3.25% for 0.01 to 0.25 BTC
1.75% for 0.25 to 2 BTC
1.05% for over 2 BTC
(APR)
4.75% (3.25% in kind + 1.5% in VGX) APR, for 0.01 to 0.25 BTC

highest rate requires holding 20,000 VGX in your portfolio
withdrawal fees are dynamic, fee is shown at the time of withdrawal
$50 in BTC
0.01 BTC min monthly balance and 100 BTC max balance; may require up to 7 days to withdraw; unavailable in KY, OK, and NY
Abra logo  Abra
1.75%
1.75%
network fees + withdrawal fee from Bittrex (Abra's custodian)
none
must transfer from Interest Account to Trading (can take 1 to 7 days) before withdrawing; unavailable in NY
Crypto.com logo  Crypto.com
0.20% (APR)
6.00% (4.00% in kind + 2% in CRO) APR, on first $3,000 of total assets in fixed terms

highest rate requires locking asset for 3 months, and staking (holding for 6 months) $40,000 worth of CRO
0.0006 BTC (BTC)
0.0001 BTC (BSC)
$25 in CRO
max total assets that can earn interest is $500,000 (up to $2,000,000 based on how much CRO staked); unavailable in NY
Ledn logo  Ledn
5.25% on first 0.1 BTC
2% for over 0.1 BTC
5.25% on first 0.1 BTC
network fees
$10 in USDC
Ledn US customers can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest
Gemini Earn logo  Gemini Earn
1.01%
1.01%
0.0001 BTC
$50 in BTC
must redeem from Gemini Earn to Gemini Trading (can take up to 5 business days) before withdrawing

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Sign Up Bonuses

Haru Invest - Sign up through this link or using referral code cefirates to earn an extra 0.2% interest rate.

Hodlnaut - 1) Sign up through this referral link or using referral code xZXkU6omx. 2) Make a deposit equivalent of US $1,000 or more, on any supported asset. This deposit must be in a single transaction and within 1 week of an optional test deposit . 3) Maintain a minimum $1,000 account balance for 31 consecutive days. 4) You'll receive $30 in USDC.

Nexo - 1) Sign up through this promo link and complete identity verification. 2) Buy or top up at least $1,500 of any Nexo supported asset, and maintain balance above $1,500 for 30 days. 3) You'll earn $100 in BTC. 4) To earn an extra $50 in BTC, swap at least $1,500 on the Nexo Exchange during the 30-day hold period.

Vauld - Sign up through this referral link or using referral code cefirates to earn lifetime bonuses on your activity. You'll receive a bonus of 2.5% of the interest you get paid on your assets, 2.5% of the interest you accrue on your loans, and 20% of the fees from your trades.

BlockFi - Sign up through this promo link and fund your account, to earn up to $250 in BTC. See the "Partner Offer" terms on this page for details.

The BlockFi Interest Accounts (BIAs) have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States, to U.S. persons, for the account or benefit of a U.S. person or in any jurisdiction in which such offer would be prohibited.

Voyager - Sign up using GAB05A7C6 in the 'Reward Code' field, then deposit and trade at least $100 to earn $50 in BTC. You'll need to sign up through their mobile app on iOS or Android. Promotion only available to US residents currently.

Crypto.com App - Sign up through this link using referral code 6k4dx8gb6c. Stake (deposit for 6 months) $400 in CRO for the ruby card tier or above, and you'll receive $25 in CRO.

Ledn - Sign up through this referral link, and complete KYC. Then deposit at least 75 USDC or 0.0015 BTC, and hold for 15 days or longer. Deposit must be made within 30 days of opening an account. You'll receive 10 USDC.

Gemini - Sign up through this promo link, then trade $500 within 3 days of signing up, and you'll receive $50 in BTC. Alternatively, you can sign up through this referral link, then buy or sell $100 within 30 days, and you'll receive $10 in BTC.