Hit your long-term targets.

Access annual interest rates as high as 15%
with Fixed-term Savings.

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Unlock premium rates and custom terms for 30 days.
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7+ million
clients growing wealth
$1.3+ billion
in interest paid
$8+ billion
in assets under management

Savings that support your goals.

Join the Nexo Loyalty Program and benefit from industry-leading rates with an account balance above $1,000.

Access even higher interest rates

Get higher interest on top of our Flexible Savings interest rates with 1, 3, 6, or 12-month terms.

Preserve wealth over time

Your funds are accruing interest while remaining available for investing or trading.

Grow your portfolio on autopilot

Nexo clients have enjoyed consistent interest-generation since 2019, no matter the market conditions.

Stay flexible if the market changes

Switch your BTC, ETH, or USDC fixed term before it ends and convert it into a new one automatically.

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

High annual interest rates for your digital assets.

See the potential of your portfolio.

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

Bitcoin
up to 6.25%
330
Total balance over 20 years
$665.55K
Projected monthly interest by year 20
$1,344

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.

Strong fundamentals support your assets.

We put our clients first by providing a robust infrastructure where your wealth can grow. By holding multiple licenses, Nexo ensures compliance with the applicable regulatory frameworks.

$403+ billion

in transaction volume and collateralized credit issued

199+

jurisdictions worldwide

$1.3+ billion

in interest paid

Innovation, recognized worldwide.

Nexo's approach to digital wealth continues to earn recognition from respected industry bodies worldwide.

The Digital Banker Awards

Best PayTech for Digital CX, 2025

FinTech Breakthrough Awards

Best Cryptocurrency Wallet, 2025

PAY360 Awards

Best Consumer Payments Programme, 2025

Go flexible.

Generate daily compounding interest and have your assets available to trade or withdraw at any time with Flexible Savings.

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting by our partners at Koinly.

 Import your Nexo transaction history into Koinly.
Calculate capital gains, losses, and income.
Generate compliant reports tailored to your local tax regulations.
Learn more

Frequently asked questions.

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

Unlike Flexible Savings, which allow you to withdraw or exchange your assets anytime, Fixed-term Savings allow you to lock your digital assets for a predefined period to earn bonus interest. Assets in Fixed-term Savings cannot serve as collateral or be used for loan repayment until the term unlocks.

How is interest paid out to my Nexo account?

You will receive all interest earned for the duration of the term in a single payout at the end of the period, regardless of your payout preference (in kind or in NEXO Tokens).

If your account balance drops below $1,000 worth of digital assets while having an active fixed term, your interest accrual will continue at the Base Loyalty Tier and without the ‘Earn in NEXO Tokens’ bonus Interest.

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.

How can I start accruing compounding interest with Fixed-term Yield?

You can choose to relock both the principal and the accrued in-kind interest during automatic term renewal to achieve a compounding effect. Once enabled, the feature will affect all your current and future terms.

To enable the feature, follow the steps detailed in our Help Center article.

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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