Best Crypto Interest Account Providers 2022
Got spare cryptocurrency laying around?
Invest it in a crypto interest account, and get daily interest on autopilot!
Like many of our readers, you’re slowly growing your cryptocurrency portfolio with faucets, PTC and airdrops.
However, claiming from faucets gets boring after a while!
So how do you grow your portfolio risk-free, on autopilot?
We use something called a crypto interest account, and we’re going to show you how to do it yourself!
What is a Crypto Interest Account?
A crypto interest account is essentially a cryptocurrency wallet, combined with a traditional savings bank account.
Let’s say you deposit 1000 DOGE into Stakecube‘s savings plan, which offers a base interest rate of 0.021%.
If you leave your 1000 DOGE there for 7 days, you’ll walk away with 1021 DOGE.
That’s an extra 21 DOGE for free, on autopilot!
Different crypto interest accounts have different rates, depending on how long you keep your crypto there for.
Scroll down to see the full list!
Are these legit?
Unlike pyramid schemes or fake cloud mining websites, these are legitimate, public organisations that use your investment for staking, or to fund their own cryptocurrency faucets.
We were hesitant at first, so we’ve tested the most popular crypto interest account providers with our own DOGE, BTC and LTC over the last 6 months.
A few of them were shady, but the ones we’ve recommended in this list are 100% legit, with public, verifiable proof-of-payment logs and very helpful support teams.
Best Crypto Interest Account Reviews
Stakecube (LTC, BTC, DOGE, DASH, USDT)
This is one of our favourites, as it’s super simple to use.
They provide crypto interest accounts with daily compounding interest of 0.021% for Litecoin, Bitcoin, Dogecoin and Dash.
The minimum deposits to earn interest are:
- 0.05000000 LTC
- 0.00050000 BTC
- 1000 DOGE
- 0.05000000 DASH
You can increase your daily interest by purchasing StakecubeCoins (SCC), or by referring other people to create their own crypto interest account, where you get 25% of every referral’s interest payments forever.
Their Bitcoin interest account is the most popular, with thousands of Bitcoins currently being invested there. However, their LTC, DOGE and DASH options are also very popular.
Stakecube makes their money from ‘crypto staking‘, which means they compete to verify public blockchain transactions and get a commission for it. Staking requires a minimum amount of cryptocurrency in order to win the verification ‘bid’, so your Stakecube deposit is used to achieve that, and the profits from winning bids are shared with their users in the form of interest.
Example Returns
| Cryptocurrency | Daily interest rate | Daily interest one 1 coin* |
| Litecoin (LTC) | 0.021% | 0.00021000 LTC |
| Dogecoin (DOGE) | 0.021% | 0.00021000 DOGE |
You can withdraw your Stakecube funds at any time, and it’s usually deposited back into your own wallet within 12-24 hours.
Binance (BTC, DOGE, LTC, USDT, ETH + 58 others)
Compared to Stakecube above, Binance has the widest range of crypto interest account options under their Flexible Savings package.
Simply transfer any amount of cryptocurrency (there are no minimum deposits) into a Flexible Savings vehicle, and you’ll start getting daily compounding interest within 24 hours.
The interest rates change every few weeks, but all of the published interest rates (APY) are marked as 7 days, rather than a year. You’ll still get the same daily interest if you leave it for longer than 7 days – it’s just easier to calculate than 365 days!
Example Returns
Here are some examples as of March 2021:
| Cryptocurrency | 7-day APY | Daily equivalent | Daily interest on 1 coin* |
| Bitcoin (BTC) | 1.20% | 0.171% | 0.00171428 BTC |
| Dogecoin (DOGE) | 3.52% | 0.502% | 0.00714285 DOGE |
| Tether (USDT) | 6% | 0.857% | 0.00850000 USDT |
| Bitcoin Cash (BCH) | 0.25% | 0.035% | 0.00035714 BCH |
| Ethereum (ETH) | 0.87% | 0.124% | 0.00124285 ETH |
| Litecoin (LTC) | 0.56% | 0.08% | 0.00080000 LTC |
If you want to calculate how much you’d earn from Binance per day, there’s a simple formula. Let’s say you have 2355.58337725 DOGE, and the daily rate is 0.502%. Divide the daily rate by 100, then:
0.00714 x 2355.58337725 = 11.84521926 DOGE
Alternatively, use this Percentage Calculator tool.
Frequently Asked Questions
Below are some common questions we get asked about crypto interest accounts.
Is my cryptocurrency safe and secure?
Yes it is, all transactions are public and can be tracked in their logs. We’ve not had any issues with the crypto interest accounts we’ve recommended above.
How else can I earn passive income?
We’re glad you asked! We have a dedicated guide with the top passive income ideas that you should definitely check out.
What if I don’t have enough for the minimum deposit?
The quickest way to get enough to invest, is to purchase some upfront. We recommend Kraken. They don’t charge high fees, and your purchases are deposited in your wallets within an hour.
Alternatively, you can build your portfolio by claiming from cryptocurrency faucets! Here are some lists of recommended faucets to get you started:
