Best Free Crypto Savings Accounts of 2026

Nexo

Nexo is a premier digital assets wealth platform designed to empower clients to grow, manage, and preserve their crypto holdings. Our mission is to lead the next generation of wealth creation by focusing on customer success and delivering tailored solutions that build enduring value, supported by 24/7 client care. Since 2018, Nexo has provided unmatched opportunities to forward-thinking clients in over 200 jurisdictions. With over $7 billion in AUM and $320 billion processed, we bring lasting value to millions worldwide. Our all-in-one platform combines advanced technology with a client-first approach, offering high-yield flexible and fixed-term savings, crypto-backed loans, sophisticated trading tools, and liquidity solutions, including the first crypto debit/credit card. Built on deep industry expertise, a sustainable business model, robust infrastructure, stringent security, and global licensing, Nexo champions innovation and long-lasting prosperity.

18,034 Ratings

Starting Price: Free

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YouHodler

YouHodler is a fintech company bridging the gap between traditional finance and crypto. We are dedicated to providing secure and innovative financial solutions to customers from over 100 countries The platform offers a secure multi-currency wallet supporting major cryptocurrencies and fiat currencies, including BTC, ETH, XRP, EUR, USD, and CHF. Users can access advanced trading tools to optimize their market strategies, get cash for liquidity without selling their assets, and earn rewards through yield accounts. These services enable YouHodler’s customers to: - Get cash for more than 50 coins as collateral. LTV up to 90%. Bank and credit card withdrawals - Exchange cryptocurrency and fiat with real-time execution prices and low fees - Earn up to 20% annually on your crypto and get payouts every week. YouHodler's Cloud Miner lets you earn real Bitcoin effortlessly without using your device's power.

28 Ratings

Starting Price: Free

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Hodlnaut

Hodlnaut is a platform that provides financial services for individual investors where they earn interest on their cryptocurrencies by lending to institutions. Users can deposit their crypto assets into a Hodlnaut Interest Account and earn favorable interest rates. Our current interest rates are up to 4.08% APY for BTC, up to 4.60% APY for ETH, and 7.25% APY for USDC, USDT and 3.56% for DAI. Sign up for an account today and start earning interest on your crypto! There are no minimum deposits and you can withdraw anytime. The platform runs on a secure cloud infrastructure on AWS, and all traffic is encrypted with SSL encryption. Lastly, interest is earned and paid out in-kind every Monday.

158 Ratings

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MyCointainer

MyCointainer platform focuses mainly on cryptocurrency staking. We are constantly expanding our offer by developing the earning opportunities available through cryptocurrencies. MyCointainer is the leading crypto staking platform with more than 1 million subscribers around the globe. This makes us the perfect place for different projects to promote their businesses and reach out to a wider community of crypto enthusiasts, traders, investors, influencers, and other industry stakeholders. We will help you create a bigger impact on your target audience by directly raising awareness of your services published on MyCointainer platform.

22 Ratings

Starting Price: $0

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Finblox

Buy and earn up to 90% APY on your crypto, and 15% on popular stablecoins such as USDC, USDT, DAI, and BUSD - by simply depositing your assets and holding them in our accounts. Finblox is backed by Sequoia Capital, Three Arrows Capital, Dragonfly Capital, Coinfund, and many other prominent VCs and angels. All of your funds are in the custody of Fireblocks, and insured for up to 45M. There are no minimums, no lock-in periods, and no limits on when you can withdraw. Interest is compounded and paid daily, and all rates are completely fixed as advertised - meaning no tiers or limits as to how much of your deposit you can earn the highest rates on. For more information, please visit our website.

7 Ratings

Starting Price: Free

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Voyager

Voyager offers investors best execution, data, wallet and custody services through its institutional-grade open architecture platform. Voyager was founded by established Wall Street and Silicon Valley entrepreneurs who teamed to bring a better, more transparent and cost-efficient alternative for trading crypto assets to the marketplace. Voyager supports Bitcoin, top DeFi coins, stablecoins, and a wide-variety of altcoins. We offer something for every investor. Honesty and transparency are our top priorities. Voyager is audited to ensure every asset is accounted for in our secure system. Rest assured knowing our advanced technology is preventing hackers and fraud, always securing your funds. We are insured, so the cash you hold on Voyager is protected and always safe with us. Build and grow your crypto portfolio the easy way. Take your assets on the go, never miss a trade, and always have the crypto market in reach. Sign up and start investing in 3-minutes or less.

3 Ratings

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MyConstant

Let your idle assets work for you with MyConstant. Our current interest rates are up to 14% APY for USDC & USDT, up to 4% APY for BTC & ETH, and up to 7% APR for USD lending. No investing fees. Free withdrawals. 24-7 customer support. Or borrow against 73+ cryptocurrencies from just 6% APR. Get the cash or crypto you need instantly without having to sell your portfolio. Your crypto is securely stored and returned to you when you repay. Unlike traditional P2P platforms that prey on vulnerable borrowers and expect investors to shoulder the risk, MyConstant is designed to protect them both. Crypto collateral helps protect your investments from borrower defaults. Withdraw any amount in USD for free, straight to your bank account. Enjoy instant access to your funds or the choice of three fixed terms. No call centres, no automated messages, just real people ready to help you. As long as you have the collateral to back your loan, you’re always approved.

2 Ratings

Starting Price: Free

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hi.com

hi Foundation

Simple and secure digital banking that makes money for you, not off you. Built on the Blockchain, powered by the HI and trusted by 3.1 million members. Sign up in seconds via your favorite chat app. Send money to friends instantly with no fees. Buy and trade your favorite cryptocurrencies. Earn high yield on your crypto holdings. Access premium membership benefits. Transfer your holdings to hi and earn up to 40% APY. hi Benefits rewards you for holding on to your hi Dollars. The more hi Dollars you hold, the higher your Membership Tier and the better the benefits you receive.

2 Ratings

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Crypto.com

Crypto.com is the pioneering payment and cryptocurrency platform. Through Crypto.com, you can buy crypto at true cost and buy 55+ cryptocurrencies such as bitcoin (BTC), ethereum (ETH), Ripple (XRP) and Litecoin (LTC) with credit card through our mobile app. The Crypto.com VISA Card allows you to spend anywhere at perfect interbank exchange rates with crypto cashback.

11 Ratings

Starting Price: Free

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Choise.com

Choise.com is a gateway crypto platform that combines CeFi and DeFi solutions. We give you the best of the two worlds – seamless crypto purchasing and swapping, interest accounts, passive income on your holdings, access to liquidity pools, and a multitude of other earning tools.

1 Rating

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CoinRabbit

Your cryptocurrency should work for you right now. Without waiting for the rate to rise to the desired level, without fear of losing it. We have created a solution that allows you to borrow crypto quickly and safely. Simply the best non-custodial cryptocurrency exchange service. Expand your customer offering, get additional income, engage your userbase, we will do the rest – with our easily integrated and streamlined crypto loan flow. We don't want you to lose your crypto, so we monitor your loan every moment of every day. If your loan reaches any of three limit zones, we will immediately notify you about it by email and SMS. Before or after you get your loan, our support team is always ready to help you and answer any of your questions. 24/7 live support is here up for you. Set up your loan using different collateral options, then confirm it with a phone and your payout USDT address where you want to receive funds.

7 Ratings

Starting Price: Free

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Abra

Abra is an all-in-one app where you can buy, sell, and hold 30 cryptocurrencies, 50 fiat currencies, and the first of its kind crypto index (the BIT10). Our vision is an open, global financial system that is easily accessible by everyone, everywhere. Buy, sell, trade, and earn interest on cryptocurrencies. Now earn up to 14% interest on USD stablecoins or crypto, and trade in over 100 cryptocurrencies, all in one simple, secure, and trusted place. The simplest and most trusted way to invest in cryptocurrencies. Abra’s 5-star app is simple to use, designed to make crypto accessible for everyone. Proud to be the favorite crypto app of nearly 2 million users across 150 countries. Easily deposit cryptocurrencies, connect a credit card, or set up bank transfers (where supported) to fund your wallet. Abra is on a mission to create a simple and honest crypto platform to enable millions of crypto holders to maximize the potential of their crypto assets.

2 Ratings

Starting Price: $0

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Vauld

Vauld aims to provide its users with a customer-centric banking solution leveraging blockchain. We intend to treat your cryptocurrencies as a separate asset class and offer services that ensure technologies based on the blockchain are usable as of today. Our asset-backed lending and borrowing platform currently support Bitcoin, Ethereum, XRP, BAT, XLM, USDT, USDC, BUSD, TUSD, and DAI. Earn the industry’s highest interest rates on major cryptocurrencies. Interest is calculated daily, and paid out weekly on all your tokens. Withdraw any amount at any time while you earn interest. Opt-in to fixed deposits to earn higher interest rates. Opt-out with zero penalties. Interest earned is compounded every week or at the end of the fixed deposit term. Take a low interest loan against your existing crypto assets. Trade on a deep order book with all our supported tokens. Buy and Sell Crypto With INR At The Best Rates In The Market.

2 Ratings

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Nebeus

Nebeus is The Financial App for Crypto Hodlers and offers a whole cryptocurrency ecosystem connected with a banking framework. On one side, Nebeus Money Accounts function just like a bank providing users with dedicated IBANs and Sort Code Accounts, while on the other, Nebeus Crypto Account enables users to have a digital wallet and exchange, earn rewards on cryptocurrency through staking and renting, borrow cryptocurrency, and store their digital assets in a free cold wallet custodied by BitGo and insured by Lloyds of London. With Nebeus Debit Card, users can pay directly from their Nebeus account and truly bridge crypto and cash.

Starting Price: Free

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POKKET

POKKET is run by world-class professionals in finance, software, and web development, and we founded POKKET because we believe digital assets are the future. With over 100 years of combined experience, you can rest easy knowing experienced experts are handling your investments. These experts know how to earn Bitcoin and they understand how to properly invest cryptocurrency to maximize your returns. Our mission is to contribute to the development of the industry through new and innovative products. Calculate how much you can earn with our crypto-saving products. No need to worry about the constant changes in cryptocurrency prices. With the POKKET Straight Lending product, you can earn interest on your own terms with your favorite assets like BTC, ETH, BNB, SOL, AVAX, USDT and USDC. Choose whether to gain interest on your assets over a fixed 14, 30, 90-day term or fully flexible basis.

Starting Price: Free

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Seashell

Seashell Financial

Target 9% growth. Diversify your investments and grow your money outside the stock market. Compliance-first. Grow your money faster, outside the stock market. Our institutional partners target 9%¹ growth, up to 90x the average traditional savings interest rate. Access high yields outside traditional stock markets. Within Seashell, we work with our partners to grow your money with diversified yields. Start investing with as little or as much as you’d like. Easily transfer funds to and from your bank with the push of a button. Seashell ensures our partners comply with the latest technology and financial regulations. Your account is protected with robust end-to-end encryption, multi-factor authentication, and 24/7 security monitoring. A portion of Seashell's proceeds support green initiatives that protect our world's oceans and water supply.

Starting Price: Free

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Bitnob

Imagine a safe, instant, cheap and modern way to pay and get paid globally. This is Bitnob, a gem in your pocket. Join the fastest growing Bitcoin app in Africa today. Easily save for yourself or your kids in Bitcoin and USD, accessible globally. We save you the time and effort. With Bitnob, you can get fast loans for yourself or your business from anywhere in the world at very low interest rates. No Credit Check, No Bank Account Required. Bitnob allows you to send or receive money instantly and free from any app with a bitcoin, such as Cashapp. This includes receiving money from friends and family members in Europe and the US. Bitnob helps you invest in Bitcoin without the hassle of buying, storing and managing it. Manage your savings with us and let us do the work for you. Use our dollar virtual MasterCard backed by stablecoins to make payments on online stores across the world.

Starting Price: Free

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Kassio

Start earning passive income simply by storing your assets in the safe & secure Kassio wallet. Secured by BitGo's multi-signature security, our multi-coin transactional wallet offers institutional-grade security and all the convenience you need for your digital assets in one place. The biggest problem with crypto has always been its ease of use. Now, you can instantly spend your crypto anywhere Visa/ Rupay is accepted with the free and convenient Kassio card. Simply add your new digital Kassio card to your Google or Apple pay account and start earning money back from your everyday purchases. Kassio Trade lets you buy, sell, or swap between 50+ market pairs in our app. Our hassle-free trading experience enables real-time settlement with no price fluctuations. Apart from the industry-standard maker and taker charges, we add no additional or hidden fees per transaction.

Starting Price: Free

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Sats Terminal

Sats Terminal is a comprehensive platform that brings decentralized exchange (DEX), bridge, and yield aggregation to the Bitcoin ecosystem. It enables users to seamlessly trade, transfer assets, and earn yields on their Bitcoin holdings, providing a unified solution for Bitcoin-based decentralized finance (DeFi) activities. With its DEX feature, users can trade Bitcoin and other assets directly, while the bridge functionality allows for the transfer of tokens across different blockchains. The yield aggregation tool helps users maximize returns by providing access to the best yield opportunities within the Bitcoin ecosystem.

Starting Price: Free

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Lava

Lava enables users to borrow U.S. dollars using their Bitcoin holdings as collateral without needing credit checks, heavy documentation, or selling their crypto. Users can access loans starting from as little as $100 and up to $1 billion, with fixed low interest rates beginning at around 5%. The platform offers instant funding, supports global bank-off-ramps, and promises that your Bitcoin assets remain in your control, no rehypothecation, no trading out your coins. Built on institutional-grade infrastructure used to secure over $100 billion in assets, Lava emphasises self-custody, strong security controls (multi-party approvals, biometric protection, whitelisted addresses, inheritance support), and encrypted user privacy. It also provides additional services such as zero-fee Bitcoin purchases, a stablecoin (LavaUSD) backed 1:1 with USD-denominated reserves at regulated financial institutions, and a rewards card offering up to 5% BTC back on purchases.

Starting Price: Free

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Xapo Bank

Xapo Bank is a pioneering financial institution that merges traditional banking services with the transformative power of Bitcoin. Based in Gibraltar and fully licensed, Xapo Bank is designed for forward-thinking individuals who prioritize financial sovereignty and innovation. As one of the first banks to fully integrate Bitcoin into its offerings, it provides members with the ability to securely save, transact, and grow wealth in both fiat currency and Bitcoin. Members enjoy a seamless experience, with tools designed to simplify the use of Bitcoin for both everyday transactions and long-term wealth management. With a focus on robust security, private banking, and seamless access to the Bitcoin network, Xapo Bank empowers users to participate in the global digital economy while enjoying the reliability and trust of a licensed bank. Its commitment to bridging traditional finance with cryptocurrency positions Xapo Bank as a leader in the evolution of modern banking.

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Inlock

Income Locker

Inlock is a blockchain and smart contract based lending platform to enable crypto-assets to be used as a collateral. Inlock is founded by a technology and Fintech oriented team. Our goal to build up solutions for various use-cases between traditional and crypto-asset based financial world. INLOCK is a totally independent FinTech service provider, without any connections to big-banks or credit companies. INLOCK represent the new wave of future’s financial services. Get cryptocurrency backed instant loan or earn interest with large-scale bonuses. Looking for steady returns despite the uncertain market situation? INLOCK is a USDC stablecoin based lending platform, where you can also earn interest (high yield) on your Bitcoin, Ethereum, Litecoin or other coins! You can lend your crypto with as high as even 8% annual interest, with weekly payment and compound interest. Using your Bitcoin, Ethereum, Litecoin or other coins as collateral, you can get a stablecoin loan quickly.

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Matrixport

Matrixport offers crypto financial products made simple and accessible. Earning interest should be easy. Up to 30% annualized interest rates; multi-currency and multiple tenors available. Up to 6% APY, withdraw at your convenience, and hourly compounding. At present, the funds are mainly invested in Matrixport's self-operated Collateralized Loans, Zero-interest Loans, Spot Leverage Product, and Credit Funding, among others. The security measures are different according to the various asset classes. Matrixport also offers spot trading with zero commission. Borrow USDT or USDC to buy crypto, express bullish view on BTC/ETH/BCH/LTC price outlook. Borrow BTC, ETH, or BCH to sell, express bearish on BTC/ETH/BCH/LTC price outlook. Loans: Instant approval, borrow whenever you need, and start spending right away. Lower your financing costs with our competitive interest rates. Price index referenced from mainstream exchanges and reliable platforms, fair and transparent.

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Snowball Money

Gain access to high-yield stablecoin vaults and generate interest in real-time via DeFi. Take control of your assets with full access at all times! Offering the highest yield dynamically. We do all the heavy lifting. Snowball provides easy access to interest-generating via yield farming in DeFi. Buy Bitcoin, Ethereum or digital dollars. Swap for 1000+ tokens. Earn 50-100x more interest than your bank. The only app you need to access high yield optimization and real-time interest. Snowball is committed to decentralization and will be available in non-OFAC nations. Decentralized Finance (DeFi) provides global access to high-yield investments and generates USD- denominated digital asset accounts that pay in real-time. The Snowball Money dApp (Decentralized Application) puts you in control no matter where you are in the world. Your Snowball account is always on and always earning high-interest on your digital dollars.

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Zelta

Zelta is a one-of-a-kind cryptocurrency exchange. Zelta is your gateway to Web 3.0 where users can Trade 200+ crypto assets with lesser fees and even win their way to Flat 0 Trading fees. Stake with highest APY, Earn Rewards & Win cool NFTs, all encapsulated in a unique gamified rewarding interface. Zelta is focussed on offering the best rewards to all the users and incentivize the community leaders and patrons in the best way possible. Not just an exchange but the next change!

Starting Price: $0

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Neverless

Neverless is the first truly commission-free crypto investment platform built for transparency, access and trust. Buy and sell over 700 crypto assets with no fees, no hidden spreads, and no surprises—ever. Enjoy the best stablecoin yield with Neverless Strategies designed for long-term value. Founded by former Revolut executives, Neverless is regulated in the EU and designed with the highest standards of compliance, security and user experience. We believe crypto should be open and honest, not complicated or costly. With one of the widest selections of tokens on the market and a platform engineered for clarity, Neverless gives you full control over your crypto journey—whether you're trading, investing, or just exploring the space.

Starting Price: Free

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Nook Savings

Nook Savings brings you the easiest way to earn through DeFi earning protocols. Access these powerful earning opportunities from your phone while awards accumulate every 16 seconds. Key Features - Email sign in: Connect to powerful earning protocols without a crypto wallet. Just an email address to start. - Coinbase and Bank Onramps: Add money directly through Coinbase, or any major bank straight to your Nook account - Automatic payouts: Get paid every 16 seconds so that you can see your earnings accumulate over time Benefits - 3x Higher Savings Rate: Connect to the top earning protocols with industry leading security and audits at 7.6% and higher - Automated earning: Finds you the best yields across earning protocols and automatically switches based on the highest rates - Instant Deposits and Withdraws: Move your money on and off Nook at any point. No lockups, delays or minimums.

Starting Price: $0

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EarnPark

EarnPark Platform LLP

EarnPark – the UK-based cryptocurrency investment platform that can help you unlock the potential of your digital assets! With our cutting-edge algorithms and web3 protocols, we offer a unique approach to long-term wealth building and investing. EarnPark generates passive income for users through daily rewards on popular crypto assets, with returns up to 18% APY. That means your digital assets work for you, and you can enjoy higher profits than what traditional banks offer. We prioritize the security of your investments with our state-of-the-art security measures, so you can rest assured that your account is protected from cyber threats and theft. Our team of professionals manages your investments with hedged strategies, using liquidity providing instruments in DeFi and CeFi to help you maximize your earnings. With our platform approved by the SEC for use in over 180 countries, you can start earning and enjoying the benefits of crypto investment with ease.

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Best Free Crypto Savings Accounts

Compare the Top Free Crypto Savings Accounts as of June 2026

What are Free Crypto Savings Accounts?