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The Nexo Earn Product is currently unavailable for citizens or residents of the United States of America and Canada.

Earn 16% per year
on Crypto & Stablecoins

Build your wealth effortlessly with leading rates on BTC, USDT, USDC, and 35+ more assets.

Start Earning

Why Earn on Nexo

Daily Payments
Your interest is automatically compounded daily, which grows your assets faster over time.
Automatic Earnings
When you buy or transfer assets on Nexo, you start earning interest – it’s that easy.
Consistent Returns
Our clients have enjoyed earning interest since 2019 with uninterrupted access to their funds.

Our Leading Rates

All earn rates are annualized, representing the total interest earned over a one-year period.

Earn Calculator

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platinum
3-Month Fixed Term

In 24 months you will have a total of $1256.34

Start Earning

This earn calculator is for informational purposes only. Calculated returns assume that principal and interest remain in your Nexo account.

Earn On Your Terms

Traditional savings accounts don't protect the purchasing power of money. Nexo offers you two ways to take back control of your funds.

Flex Terms

No Lock-up

Your assets are free to trade, sell or withdraw at any time.

Daily Payments

You’re paid automatically every day with instant access to your earnings.

Fixed Terms

Higher Rates

Take a big step towards your financial goals with our maximum rates.

Set Period

Choose a term of 1, 3, or 12 months and get higher earnings when it expires.

$200M+ Already paid out
in interest

5М+ Nexo users
worldwide

35 Cryptocurrencies
to earn on

200+ Available
jurisdictions

How to Start Earning on Crypto

Create your Nexo account and go from zero to earning in seconds. All you have to do is:
Buy crypto with card or with bank transfer, or top up crypto from an external wallet.
You’re all set – no further action is needed! You’re now earning compound interest on your crypto, paid out daily.
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Security-First Approach

Insurance on custodial assets by
Real-time attestation by

Sustainable Model

Our proven real-time risk engine and strict collateralization requirements ensure we generate earnings in a safe way.

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Real-Time Attestation

To provide full transparency, we’ve been undergoing real-time attestation over the company’s custodial holdings since 2021.

See Attestation

Custodial Insurance

All digital assets benefit from insurance from our custody partners such as Ledger Vault and Bakkt.

Learn More

What Our 5М+ Users Are Saying

From top-notch service, competitive rates, and multiple ways to earn while keeping my crypto safe, everything about Nexo has been positive.
Nexo offers the perfect solution for Bitcoin HODLers!
My crypto journey has come a long way thanks to @nexo. Enjoy the wide diversity of the Nexo products, and you won’t regret it.
The only platform with zero fees, and the only place to store crypto and earn savings.
Recently joined Nexo, and it has been great! Earn interest on your holdings. Borrow against it without spending your crypto. No brainer!
Such an easy way to store your crypto and earn passive income. I’ve been using the platform for a while, and I recommend it to friends and family. Thanks, Nexo!
Nexo has been probably my best investment in the last 12 months. Seriously. Plus, I earn incredible 6% on my BTC and various % on other coins.
Nexo has taught me not only how crypto works but how to make it work for me. I own my house and am financially stable thanks to Nexo.
Nexo offers crypto enthusiasts the best of both worlds - instant access to cash while retaining ownership of their crypto.
For you newbies like me, it is comforting to know Nexo’s support team is always there to help you.
Nexo rocks big time! They allow you to borrow money without having to sell your assets. Not only that, the interest rate is one of the best.
Nexo has a great platform, and I love their earn program. It’s the place to HODL! #LoveNexo
I had no idea where to start with Crypto, and had it not been for Nexo. I probably would never have got involved. Their platform makes everything so easy!
Made an expensive mistake when depositing my funds, but the Nexo team went above and beyond to retrieve my tokens back to me!
Offers great ROI and lets me earn on all of my crypto accounts in a way that I understand and can manage comfortably.

FAQs

What do I have to do to start earning?

Signing up for a Nexo account is quick and easy:

  1. Open the Nexo platform or the Nexo app.
  2. Complete your verification.
  3. Buy or transfer crypto to your account.
  4. You’re all set! You’re now earning daily interest on your digital assets.

Note: You’ll start earning interest the next day after your transfer. Keep in mind that, except for the NEXO Token and Nexo Staked ETH, assets used as collateral for our Instant Crypto Credit Lines will not earn interest. Learn more about our Earn product here.

How to add assets to my account?

Adding assets to your Nexo account is quick and easy. Here are the different ways to do it:

  • Buy digital assets directly with your credit/debit card or directly with Apple Pay or Google Pay – our easiest and fastest option!
  • Transfer digital assets from an external wallet by using your Nexo deposit address.
  • Transfer funds from your bank account. EUR and GBP transfers are instant for banks that support SEPA Instant and Faster Payments, respectively. 

What are the interest rates?

Your interest rate is determined by:

  1. Your Loyalty tier, which in turn depends on the ratio of NEXO Tokens against the balance of other assets in your portfolio. The requirements for each tier are as follows:
    • Base: No NEXO Tokens are needed.
    • Silver: The ratio of NEXO Tokens against the rest of your portfolio must be at least 1%​​​​​​.
    • Gold: The ratio of NEXO Tokens against the rest of your portfolio must be at least 5%.
    • Platinum: The ratio of NEXO Tokens against the rest of your portfolio must be at least 10%.
  2. The type of interest payout you choose:
    • Earning ‘in kind’ means you receive your interest payments in the currency you’re earning on.
    • Earning in NEXO means you receive interest payments in NEXO Tokens and benefit from an additional up to 2% interest.
  3. The type of saving term: FLEX or Fixed. If you choose to create a Fixed Term, you’ll earn extra interest. Use the Fixed Term calculator above to see how your yield changes.

Learn more about our interest rates here.

How do I get Nexo’s highest interest rate?

To receive the highest interest, you have to:

1. Become a Platinum Loyalty tier client by making sure the ratio of NEXO Tokens against the rest of your portfolio must be at least 10%.

Example:

Value of assets in your Nexo account: $10,000

Value of NEXO Tokens required for you to get the highest interest: min. of $1,000 in NEXO Tokens

2. Opt to earn your interest in NEXO Tokens for 2% additional interest.

To activate Earn in NEXO:

  • Open the Nexo app.
  • Enter your ‘Savings Hub’ and click on ‘Earn on Nexo’.
  • Choose the ‘Interest Payout in NEXO Tokens’ option.

3. Create a Fixed Term for bonus interest. The highest you can get is for a 12-month Fixed Term, only available for the NEXO Token (+8% bonus) and EURx, USDx, and GBPx (+6% bonus).

To activate Fixed Term:

  • Open the Nexo app.
  • Enter your ‘Savings Hub’ and click on ‘Create Fixed Term’.
  • Select onе of your available assets, and choose the period of the Fixed Term.

How do I get Nexo’s highest interest rate?

To receive the highest interest, you have to:

1. Become a Platinum Loyalty tier client by making sure the ratio of NEXO Tokens against the rest of your portfolio must be at least 10%.

Example:

Value of assets in your Nexo account: $10,000

Value of NEXO Tokens required for you to get the highest interest: min. of $1,000 in NEXO Tokens

2. Opt to earn your interest in NEXO Tokens for 2% additional interest.

To activate Earn in NEXO:

  • Open the Nexo app.
  • Enter your ‘Savings Hub’ and click on ‘Earn on Nexo’.
  • Choose the ‘Interest Payout in NEXO Tokens’ option.

3. Create a Fixed Term for bonus interest. The highest you can get is for a 12-month Fixed Term, only available for the NEXO Token (+8% bonus) and EURx, USDx, and GBPx (+6% bonus).

To activate Fixed Term:

  • Open the Nexo app.
  • Enter your ‘Savings Hub’ and click on ‘Create Fixed Term’.
  • Select onе of your available assets, and choose the period of the Fixed Term.

How do I stake through Nexo?

Smart Staking is an extension of the Earn Crypto Interest suite that allows you to stake Ethereum through Nexo’s validator node. To start earning staking rewards, swap your ETH for NETH (Nexo Staked Ethereum) on the Nexo Exchange. 

The rewards depend on the Ethereum network rate and the amount of ETH staked through Nexo. The newly acquired NETH serves as proof for your validation and can be swapped back for ETH in a single click.

What are balance limits?

Some assets on the Nexo platform have balance limits for the Earn Crypto Interest product. This means that for each Loyalty tier for these assets, there are two yields you can earn.

The rate you receive is determined by the USD value of your holdings (balance) in the relevant asset, specifically, whether you are above or below the relevant balance limit. Higher Loyalty tiers give you the benefit of higher balance limits.

How does Nexo keep my crypto safe?

Nexo is raising the bar for the entire blockchain space by utilizing the most rigorous KYC and AML policies, impeccable risk assessment, data protection, and state-of-the-art cybersecurity.

We keep your digital assets safe while you’re earning interest through our multifaceted approach to security, including:

  • Military-grade 256-bit encryption and fraud monitoring mechanisms for your Nexo account.
  • Bank-grade cold storage in Class III vaults through leading blockchain custodians, including Ledger Vault, Bakkt, and others.
  • Insurance from our custodial partners via Lloyd’s of London and Marsh & Arch.
  • ISO/IEC 27001:2013 certificate guaranteeing Nexo’s security infrastructure is of the highest standard.
  • 200–500% overcollateralized crypto credit lines. Nexo never issues credit on a non-collateralized basis, thus ensuring your funds are backed no matter how the market moves.

You can learn more about our security and insurance here.

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More Ways to Get the Best Out of Nexo

Our products are even more powerful when used together.

Buy Crypto

Buy crypto instantly and securely with just the tap of a button. Choose from 60+ different digital assets.

Learn More

Exchange Seamlessly

Swap 500+ market pairs via Nexo’s Crypto Exchange with zero fees and no price fluctuations.

Learn More

Borrow Instantly

With Nexo’s Instant Crypto Credit Lines, you can borrow funds from 0% p.a. without selling your crypto.

Learn More

Ready to Grow Your Portfolio?

Move your idle digital assets to Nexo today and start earning up to 16% annual interest.

Start Earning