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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
Celsius logo  Celsius
6.2% on first 0.25 BTC
3.05% for over 0.25 BTC
7.81% on first 0.25 BTC - requires accredited investor status, owning over 25% of portfolio in CEL tokens, and receiving interest in CEL
none
$50 in BTC
unavailable in the states of NY, KY, and WA
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
$10 in BTC
unavailable for new sign ups in NY, KY, AR, TX, NJ, AL, OK, VT, AK, or WA,
Hodlnaut logo  Hodlnaut
7.46% on first 2 BTC
4.08% for 2 to 10 BTC
2.02% for 10 to 100 BTC
1% for over 100 BTC
7.46% on first 2 BTC
0.0004 BTC, but 1 free crypto withdrawal per month
$20 in crypto
-
BlockFi logo  BlockFi
4.5% on first 0.1 BTC
1% for 0.1 to 0.35 BTC
0.1% for over 0.35 BTC
4.5% on first 0.1 BTC
0.00075 BTC, but 1 free crypto withdrawal per month
up to $250 in BTC
unavailable in the states of NY and KY
Voyager logo  Voyager
4.75% (APR)
6.25% (4.75% in kind + 1.5% in VGX) APR - requires holding 20,000 VGX in your portfolio
withdrawal fees are dynamic, fee is shown at the time of withdrawal
$25 in BTC
0.01 BTC min monthly balance and 100 BTC max balance; may require up to 7 days to withdraw; unavailable in NY
Ledn logo  Ledn
6.25% on first 0.5 BTC
2.25% for over 0.5 BTC
6.25% on first 0.5 BTC
network fees
$10 USDC
may take up to 7 business days to withdraw; unavailable in AL, CT, HI, KY, LA, NJ, NY, TX, WA, Washington DC
Crypto.com logo  Crypto.com
1.50% (APR)
8.50% (6.50% in kind + 2% in CRO) APR - 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
Vauld logo  Vauld
4.60%
6.70% - must lock asset for 1 month
network fees
activity bonuses
-
Gemini Earn logo  Gemini Earn
1.49%
1.49%
10 free crypto withdrawals per month, then 0.001 BTC
$50 in BTC
must redeem from Gemini Earn to Gemini Trading (can take up to 5 business days) before withdrawing

Sign Up Bonuses

Hodlnaut - Sign up through this referral link or using referral code xZXkU6omx. Make a deposit equivalent of US $1,000 on any supported asset. This deposit must be in a single transaction and within 1 week of your first test deposit. You may make a test deposit of any amount. You'll receive a $20 sign up bonus, paid in the same asset deposited.

Celsius - Sign up using the referral code 1854129a7a, transfer in $400 or more, then hold for 30 days. You'll earn $50 in BTC. To sign up, follow this link and click on 'Sign Up', or sign up through their mobile app on iOS or Android.

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.

Nexo - 1) Sign up through this referral link. 2) Complete Advanced Verification. 3) Top up (deposit) at least $100 of any supported asset. 4) Must hold a minimum of $100 of any asset in your account for at least 30 days. You'll earn $10 in BTC.

BlockFi -  Sign up through this referral link to earn up to $250 in BTC. See the terms on the referral link page for details.

Voyager - Sign up using GAB05A7C6 in the 'Reward Code' field, then deposit and trade at least $100 to earn $25 in BTC. You'll need to sign up through their mobile app on iOS or Android. Promotion only available to US residents currently.

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.

Gemini - Sign up through this promo link, then trade $500 within 3 days of signing up, and you'll receive $50 in BTC.

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.

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