After Satoshi first envisioned the digital financial system, enthusiasts quickly found different ways to make money from it.  Bitcoin believers studied trading strategies, crypto mining processes, trading bots, and arbitraging — everything that could increase their crypto holdings. The rapid development of the industry offers the world some potential ways to earn, such as through crypto staking and savings services. Both present users with an opportunity to receive rewards just for keeping digital assets in their wallets or dedicated accounts. This works very much like traditional bank accounts, where customers earn interest for depositing fiat funds and keeping them on balance during a certain period.

Crypto savings account

Crypto staking has obtained wider adoption as it is part of the proof of stake (PoS) concept that supports blockchain processes. It is considered more user-friendly than the proof-of-work (PoW) approach, which involves miners and expensive equipment. Thus, many new crypto projects implement PoS, and their users can earn rewards for delegating coins to support the network. 

Meanwhile, crypto savings accounts make it possible to earn with PoW coins, like Bitcoin, and other assets that are not available for crypto staking rewards. 

In this article, we will look at some of the most popular platforms that offer BTC and ETH savings accounts. So buckle up, grab your favorite crypto-themed mug, and get ready to explore the exciting world of BTC and ETH cryptocurrency savings accounts!

CEX.IO Savings: Earn 0.5% annually with BTC, and 1% with ETH 

CEX.IO offers a handy and straightforward savings account with a fixed annual rewards percentage. To start earning, users just need to register on the platform, deposit or buy supported crypto, and transfer them to a dedicated savings account. 

Many other crypto savings providers have different reward rates that are structured disproportionately to the funds users allocate. This creates difficulties for customers when they try to estimate potential rewards to find the most beneficial savings plan. CEX.IO Savings’ reward percentages are equal, regardless of the deposit amount, and are thus predictably calculated.

In addition to Bitcoin (0.5% annual reward) and Ethereum (1% annual reward), CEX.IO Savings supports a number of stablecoins with 3% annual percentage reward. Earn more with native CRO token

The Savings Account offers attractive reward rates and supports multiple cryptocurrencies, including BTC, ETH, and some stablecoins.

However, customers should be aware that the platform’s savings accounts have so-called “tiers”, which determine the potential reward depending on the amount of deposited funds. 

Another factor that can affect savings rewards is the amount of CRO Tokens users have locked in their savings account. The more they have them on the account, the higher the reward percentage could be.

YouHolder — weekly savings rewards only

YouHolder is a young exchange platform compared to the previous two. It debuted on the market in 2018. Currently, it has a limited choice of cryptocurrencies, and minimum allocations required to participate in its savings service ($100 worth of dedicated cryptocurrency).  

The platform offers relatively high savings rewards, however, they are paid strictly on a weekly basis. Users cannot receive earned rewards for a partial week. They must wait until the end of the weekly period, or be content with fewer earnings.

Nexo loyalty levels

Nexo offers various loyalty rewards for holding stablecoins and other available cryptocurrencies. However, transaction fees, reward percentages, and limits are directly related to the user’s loyalty program level.

In fact, using the platform does not have much advantage unless you own NEXO, its native token. To obtain the maximum savings reward, you need to wager NEXO worth 10% of the total allocated funds.

KuCoin Crypto Lending

The platform offers a number of crypto earning plans, including staking, flexible savings account, and crypto lending. The last feature is more like a traditional bank savings account, but works in a decentralized way, through a peer-to-peer platform. In the crypto lending program, you can act as a lender and allow other customers to borrow your funds, and receive rewards in return.

If you look at the KuCoin Earn page, you will see different reward percentages depending upon the currency and product. Such an interface can confuse users, especially those who are just starting with crypto. In addition, the platform savings reward percentage is floating and can change daily. Therefore, the actual amount you earn after redemption can be different than expected.

OKX: hourly rewards distribution 

Similar to KuCoin Crypto Lending, the Savings product of the OKX platform allows users to lend money to internal margin traders. Users can choose the minimum rewards percentage, however, there is no guarantee that they’ll receive it. The system checks loan demand and sorts loan rates by minimum APY, from lowest to highest, until total loan demand is met. This calculation occurs every hour, satisfying the loan requests and sharing the savings rewards with the corresponding bids. 

OKX has a minimum balance requirement to participate in savings. This minimum depends on the price of the related cryptocurrency, and changes daily. 

CoinLoan: daily rewards, monthly distribution

The Flexible savings product of CoinLoan offers daily rewards through a variety of crypto assets, including top markets like Bitcoin and Ethereum. They have a minimum amount, and time required, to participate and earn rewards in the savings program. 

CoinLoan calculates the savings rewards on a daily basis, however users receive their earnings only once a month. There are more benefits for those holding and staking CLT, the native platform’s token. 

Binance: low-cap crypto savings available

Binance is a crypto platform with probably the widest range of supported assets. It offers flexible and locked savings accounts for its customers. However, the reward percentage sometimes confuses customers, advertised as “Bonus Multi-Level APR.”

This internal bonus is available for selected assets, and changes daily. Therefore, one should carefully monitor reward percentages to estimate potential earnings. Binance offers its highest APR for low-cap cryptocurrencies, which are considered more volatile and risky than market veterans like Bitcoin and Ethereum. Meanwhile, rewards for BTC, ETH and stablecoins are lower than those offered by competitors.

Huobi: Flexible Savings and Promotions

The flexible savings account on Huobi is also called Auto-invest. It allows users to earn rewards by depositing funds to a dedicated account. It’s convenient in that you can deposit more funds, or withdraw daily earnings, from your savings account at any time. 

The Huobi Earn page also has Featured deposits, an earning service available only at certain times, and in limited amounts. In addition, they have a First Timer bonus that allows new Huobi Earn users to receive increased rewards during the first week of using the product. That’s why the platform’s rewards percentage varies, and should be monitored by every user individually. 


Bybit has more than 20 cryptocurrencies available for its savings plan. In addition, the platform involves a complex tiering system.

The Bybit Savings Plan provides the highest possible reward rate to customers with smaller cryptocurrency allocations. The rewards paid out in BTC, ETH and stablecoins are relatively low compared to other platforms, while other assets may offer more attractive reward percentages. The so-called “APY Booster” can temporarily increase the rewards of your flexible savings.


When choosing a crypto saving account, users need to be super careful in reviewing the terms and conditions. As we can see, sometimes it’s difficult to understand whether the platform offers a savings account in a traditional format, or it’s just offering crypto loyalty rewards. We hope this article will come in handy for those looking for a reliable and user-friendly crypto platform, offering fair crypto savings reward percentages. But remember to perform your own thorough research before making decisions.