Savings that grow every day.

Earn up to 15% per year on 30+ digital assets with Flexible and Fixed-term Savings.

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Get up to US$450 crypto cashback in your first 3 months with the Nexo Card. 10% back on your first swipe.
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10+ million
clients growing wealth
$1.5+ billion
in interest paid
$7+ billion
in assets under management

See the potential of your portfolio.

Watch the power of compounding interest unfold with Nexo’s Savings solutions.

Bitcoin
up to 5.50%
330
Total balance over 20 years
$623.83K
Projected monthly interest by year 20
$1,170
Projected returns are estimates based on your inputs and assume constant interest rates and asset prices, with principal and interest remaining in your Nexo Account. These figures are for illustrative purposes only and are not intended as financial or legal advice. Actual performance may vary.

Choose the rhythm of your growth.

Whether you prioritize access or long-term positioning, there’s a Nexo Savings solution to match your strategy.

Flexible Savings

Daily compound interest with no lock-ups.

Earn up to 13% per year with daily interest payouts
Retain complete access to your digital assets at all times
Experience the compounding effect as each payout fuels the next
Fixed-term Savings

Higher annual interest for set periods.

Earn up to 15% per year, paid out in full at the end of the term
Lock your digital assets for set periods in exchange for higher yield
Auto-renew your term with a single tap to enjoy uninterrupted growth

Steady annual growth across over 30 digital assets.

Savings product
Bitcoin logoUp to 5.5%on BTC
Ethereum logoUp to 6%on ETH
NEXO Token logoUp to 9%on NEXO
Tether logoUp to 11.5%on USDT
USD Coin logoUp to 10.5%on USDC
Polkadot logoUp to 15%on DOT
XRP logoUp to 7.75%on XRP
Solana logoUp to 8%on SOL

Start earning interest in just a few steps.

1. Buy or transfer crypto

Purchase or add digital assets to you Nexo account.

2. Turn your balance into earnings

Maintain a $1,000+ portfolio balance and meet the required minimum per asset to start earning interest.

3. Start accruing interest

Receive interest payouts that compound and grow your portfolio faster every day.

4. Tap into higher rates

Discover Fixed-term Savings to grow even faster with higher interest rates for set periods.
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Add funds your way.

Zero-fee local funding

Fund your account in ARS or USD through Banco Industrial with zero Nexo fees.
Plaid logoFedwire logoSEPA bank transfer logoFaster Payments bank transfer logoSWIFT international bank transfer logo

USD, EUR & GBP bank transfers

Add USD, EUR, and GBP via SEPA, Faster Payments, SWIFT, Fedwire, and ACH.
Apple Pay payment logo

Apple Pay & Google Pay

Add funds via the two most popular mobile payment services.
Visa card payment logoMastercard payment logo

Visa & Mastercard

Use your debit or credit card.

Blockchain transfers

Receive crypto via widely used networks and bridge assets across multiple chains with no gas fees.

How clients use Nexo Savings.

Earn interest, daily

Discover how Fixed-term Savings helped Eric create a steady income stream without navigating daily market fluctuations.

Competitive rates, clear Interface

Learn how this Nexo client evaluates crypto platforms to earn interest, and why they chose Nexo.

Build a stronger future with Wealth Vaults.

Set your Bitcoin aside for up to 20 years and access your funds early if needed.
Create a vault

Plan your crypto taxes with precision.

Save time and stay compliant with automated tax reporting.

 Import your Nexo transaction history.
Calculate capital gains, losses, and income.
Generate reports tailored to your local tax regulations.
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Frequently asked questions.

How do I start accruing interest?

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Nexo app, and maintain an account balance above $1,000 worth of digital assets.

You’ll begin earning daily interest on your digital assets a minimum of 24 hours from your funding. Learn more here.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Nexo account.

How to earn passive income with crypto?

Passive income from crypto means earning automatically — without active trading or constant management. The most common ways to do this are through staking, lending, or interest-earning accounts. With Nexo, you can earn passive income by adding assets to Flexible or Fixed-Term Savings. That way, your balance grows over time thanks to daily payouts, compounding interest, and loyalty-based rewards.

What is crypto earning?

Crypto earning refers to a service that lets you earn interest on your crypto holdings — similar to earning yield in traditional finance, but in digital assets. For example, Nexo enables you to receive daily interest on over 40 supported cryptocurrencies and stablecoins. You can maintain full flexibility with Flexible Savings or opt for Fixed-Term options for higher rates.

What is the difference between Flexible Savings and Fixed-term Savings?

Both options let you earn interest on your digital assets, but they suit different strategies. Flexible Savings gives you full access to your funds at any time. You’ll earn daily compounded interest that’s credited automatically to your Savings Wallet. Fixed-term Savings lets you earn higher rates by committing assets for a set period, from one to twelve months. It’s designed for users focused on long-term growth and predictable returns. Many clients combine both — keeping some assets liquid in Flexible Savings while using Fixed-term Savings to boost their overall yield.

How to earn compound interest on crypto?

Compound interest means your earnings generate additional earnings — one of the most effective ways to grow long-term wealth. In crypto, this happens when each interest payout is added to your balance and begins earning more. On Nexo, interest is paid daily, so your balance compounds automatically when you earn in kind. For example, if you earn 3.5% annually on $10,000 worth of Bitcoin in Flexible Savings, your first day’s in-kind payout (about $0.94) is added to your balance. The next day, you’ll earn interest on $10,000.94, not just your original amount, and this cycle continues daily.

What is a crypto savings account?

A crypto savings account functions similarly to a traditional savings account, but for digital assets. You add crypto and earn interest on it over time, often with flexible access to your funds. Through Nexo, you can earn daily interest on popular cryptocurrencies, such as BTC, ETH, XRP, and SOL, as well as stablecoins like USDC. It’s an easy entry point for anyone new to earning passive income in crypto.

How is interest paid out on Nexo?

Interest with Nexo’s Flexible Savings is credited to your account every day. Each payout is added to your Savings Wallet, where it immediately begins earning interest, creating a compounding effect that grows your portfolio faster.

How can I earn the highest interest rates?

To get the most out of your crypto savings, look for platforms that reward loyalty, diversification, and long-term holding. On Nexo, you can unlock higher interest rates by:
  1. Maintaining a portfolio balance above $1,000.
  2. Holding at least 10% of your portfolio in NEXO Tokens to reach the Platinum Tier.
  3. Choosing to earn interest in NEXO Tokens for up to 2% extra.
  4. Locking funds in Fixed-Term Savings for better yields.

What are the balance limits for earning interest?

Many crypto platforms use balance limits to determine interest tiers — meaning you might earn a higher rate up to a certain amount and a lower one beyond it. Nexo follows this approach too. For certain digital assets, your rate is determined by both your Loyalty Tier and the USD value of your holdings. A daily snapshot ensures your rewards reflect your current balance and Loyalty Tier. Example for holding Bitcoin on Nexo: If your Loyalty Tier is Platinum and you have $5M USD worth of BTC in Flexible Savings, you earn 3.5% per year on the first $4M and 2.5% per year on the remaining $1M.

How do I move assets into Fixed-term Savings?

Before you can create a fixed term, you first need to maintain an account balance above $1,000 worth of digital assets and opt in for interest earning via your Nexo account. Once this is done, follow the steps detailed on our Help Center article.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Nexo account.

What is automatic renewal and how to enable it?

With automatic renewal, your term is prolonged for the same period once the interest payout is completed, granted your account balance at the time is above $1,000 worth of digital assets. This way, you continue to earn additional interest without any interruptions.

When your term renews automatically, by default, only the principal amount will be relocked, whereas the accrued interest will be added to your Savings Wallet.

To benefit from automatic renewal you need to enable the option when creating a term for your digital assets. If your account balance is below the $1,000 threshold on the term's due date, your fixed term will be unlocked and automatically renewing it will not be available.

Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology to shape the next generation of wealth. Create your account today and get started.
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