We are introducing a few updates to our Flexible and Fixed-term Savings rates and minimum earning balance requirements. These updates will take effect on Monday, November 24, 2025. You will begin receiving interest per the adjusted rates on the following day.

As global markets and central bank rates adjust, we are refining our offerings to reflect these broader trends and ensure consistent, long-term value for our clients as well as the sustainability of Nexo’s products.

Updated yields starting November 24, 2025

Flexible Savings: New rates for Flexible Savings will take effect on November 24. Your existing balances will continue to earn at their current rates until that date.
Existing fixed terms will keep their current Fixed-term Savings bonus rates until maturity. However, the Flexible Savings rate underpinning them will change on November 24. Examples of this mechanism are available below for ease of understanding.
New fixed terms: From November 24, new fixed terms, including auto-renewals, will carry the updated Flexible Savings rate and the updated Fixed-term Savings bonus rate for assets where the bonus is being updated.*
Wealth Vaults rates will update automatically with the new BTC Flexible Savings rate. The Fixed-term Savings rate for Wealth Vaults will remain the same.
Limit and Trigger Orders: Balances placed in Limit and Trigger Orders will no longer earn interest while the orders are pending execution.

To better illustrate how our new rates apply to relevant Fixed-term Savings scenarios, we have prepared two examples below:

Example A

You have a one-month BTC fixed term created before November 24, and you are in the Platinum Tier, earning in kind.

Before November 24: 4% Flexible Savings rate + 1% Fixed-term bonus rate → 5% p.a.
November 24 – maturity: 3.5% Flexible Savings rate + 1% Fixed-term bonus rate → 4.5% p.a.
After maturity: If relocked, this fixed term continues to earn 4.5% p.a. аs the Fixed-term bonus rate for BTC is not changing on November 24.

Example B

You have a twelve-month NEXO Token fixed term, created before November 24, and have enabled Automatic renewal:

Before November 24: 4% Flexible Savings rate + 8% Fixed-term bonus rate → 12% p.a.
November 24 – maturity: 3% Flexible Savings rate + 8% Fixed-term bonus rate → 11% p.a.
Upon renewal: 3% Flexible Savings rate + 6% Fixed-term bonus rate → 9% p.a.

Unlike Example A, in Example B, the Fixed-term bonus rate will be updated on November 24, and thus the updated bonus rate will be applied after your term matures and upon automatic renewal. Starting your term before November 24 keeps the current Fixed-term bonus rate for the full twelve-month period.

Minimum earning balances from November 24, 2025

We are also updating the minimum earning balances for our savings products. Тhe new minimum earning balance of $500 per asset determined in kind will be required to earn yield in both Flexible and Fixed-term Savings.

To mitigate price fluctuations and provide stable yield conditions, we will take a snapshot of all our supported assets at the $500 reference value on November 24, 2025. This snapshot will be updated regularly – on the 15th of every month. You will be able to see the in-kind minimum earning balance in the Nexo app under each asset in your wallet after November 24 when these thresholds are live.

To earn interest from both Flexible and Fixed-term Savings on the same asset, you must meet the minimum earning balance for your holdings in both Flexible and Fixed-term Savings separately.
Existing fixed terms below the new thresholds will continue to earn interest until maturity, but will not relock automatically afterward, even if Auto-Renew was previously selected.
New fixed terms created after November 24, 2025, will only be available for amounts above the new minimum earning balance.

As with our rates, we have prepared two examples below to demonstrate how our new minimum earning balances work across Flexible and Fixed-term Savings.

Example C

Suppose the minimum earning balance for BTC is 0.005 BTC in a given month. You have 0.006 BTC and wish to create a fixed term of 0.005 BTC.

0.005 BTC in your fixed term will receive the Fixed-term Savings bonus rate + the Flexible Savings rate.
0.001 BTC is left in Flexible Savings. This will not earn interest as it is below the minimum earning balance.

Example D

By contrast, in the same conditions as Example C but with a BTC balance of 0.01 BTC, if you create a fixed term for 0.005 BTC:

0.005 BTC in your fixed term will receive the Fixed-term Savings bonus rate + the Flexible Savings rate.
The other 0.005 BTC earns interest at the Flexible Savings rate.

In this example, both portions earn interest.

Important: The minimum earning balance snapshot for BTC in Examples C and D is purely hypothetical for the purposes of these examples. Please refer to the minimum earning balances on the Nexo app and platform once the update is live on November 24.

Flexible and Fixed-term Savings checklist

In order to ease your transition into our updated Earn program, we’ve put together a quick checklist of the prerequisites for our savings product.

Meet the minimum portfolio balance: Maintain at least $5,000 across your Nexo account.
Opt in to earn interest: Activate your Earn interest Opt-in directly from your Nexo account settings.
Check your minimum earning balances: Make sure each asset you wish to earn interest on meets the minimum amount required for Flexible or Fixed-term Savings.

With over $1.5 billion in interest paid to date, Nexo continues to stay ahead of an evolving market landscape, strengthening our offering in line with global trends and ensuring value for our clients.

Should you have any questions, our Client Care team is always available to assist you.

*The interest rate for fixed terms is based on the combined Flexible Savings rate and the Fixed-term Savings bonus rate. When the new rates take effect on November 24, 2025, new fixed terms will reflect these updated rates.

Тhe information contained on this page is applicable to clients residing outside of the UK and the EEA.