Savings that grow every day.

Earn high yield on your crypto with daily compounding and no lockups.

Start earning

Download the Nexo app

or

Direct download

Operating
since 2018

Personalized
client care 24/7

Assets under management
$11+ billion

The benefits of Flexible Savings.

Join the Nexo Loyalty Program and benefit from industry-leading rates with an account balance above $5,000.

Daily compounding

Build your wealth faster with up to 14% annual interest rate, paid out every day.

Funds available anytime

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

Generating interest for over 6 years

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

Learn more

Annual rates that drive your long-term success.

Up to 5.5%on BTC

Up to 6.5%on ETH

Up to 3%on NEXO

Up to 7%on XRP

Up to 7%on BNB

Up to 7%on SOL

Up to 11%on USDC

Up to 8%on GBPx

Learn about Fixed-term Savings

Wealth solutions for private and corporate clients.

Access bespoke services built for those who demand flexibility, discretion, and trust.

Bespoke services for your private wealth

Available to individual clients and family offices with $100,000 in digital assets, Nexo Private offers tailored onboarding, a dedicated relationship manager, high-limit OTC trading, bespoke credit, and other exclusive benefits.

Build a digital asset treasury for your business

The Nexo corporate account combines institutional-grade custody, advanced OTC services, and extensive 24/7 client care to help your business diversify and thrive.

Estimate your earnings.

Compare your potential earnings with Nexo's Flexible Savings to alternative yield options.

Asset

up to 11%

Amount

$

$5,000$20,000,000

Today10 years

Today20 Years

Start earning

Choose Nexo's Fixed-term Savings and enjoy higher interest rates for a set term. Discover how much you can earn.

Learn more

$657,844.79in interest at 11%$1,157,844.79Total balance over 10 years

10 years

Nexo Flexible Savings

Any values, estimates, or figures are only indicative and are not intended to be relied upon for legal, financial, or commercial decisions. Returns are calculated based on the assumption that the principal and the interest remain in your Nexo account. Comparative rates referenced are based on publicly available information last updated as of March 25, 2025, and may be subject to change without notice.

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Strong fundamentals support your assets.

Nexo ensures compliance with the applicable regulatory frameworks and provides a robust infrastructure to safely grow your savings.

About Nexo

$371+ billion

in transactions processed

$11+ billion

in assets under management

$1.2+ billion

in interest paid

Featured in

Simplify your crypto taxes with maximum 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.

Learn more

Frequently asked questions.

How do I start earning 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 $5,000 worth of digital assets.

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

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

How is interest paid out to my Nexo account?

Interest with Flexible Savings is paid out automatically every day to your account. The interest is credited to your Savings Wallet, where you begin earning on your holdings plus the accrued interest. This compounding effect helps you grow your portfolio faster.

How do I earn the highest interest rates?

To receive the highest interest, you need to:

1. Maintain an account balance above $5,000 worth of digital assets.

2. Opt in for interest earning via your Nexo account.

3. Become a Platinum Loyalty Tier client by making sure the ratio of NEXO Tokens against the rest of your portfolio is at least 10%.

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

5. Earn bonus interest for a longer period with Fixed-term Savings.

Note that a daily snapshot verifies your Loyalty Tier, which determines your current savings rate.

For more information on boosting your interest earning, browse our Help Center article.

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

What are the balance limits?

Some assets on the Nexo platform have balance limits. 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 in the relevant asset, specifically, whether you are above or below the relevant balance limit.

Driving the next generation of wealth.

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

Sign up

Download the Nexo app

or

Direct download

Utilize the entire Nexo ecosystem to grow your wealth.

Crypto Card

Spend without selling your digital assets.

Credit Line

Borrow funds without selling your assets.

Exchange

Swap over 100 digital assets seamlessly with a tap.

7+ million
clients growing wealth

$1.2+ billion
in interest paid

$11+ billion
in assets under management

7+ million
clients growing wealth

$1.2+ billion
in interest paid

$11+ billion
in assets under management

See the potential of your portfolio.

Watch the power of compounding interest unfold with Nexo's savings options.

Savings product

Asset

Bitcoin

up to 6.50%

Starting amount

Additional funds

Years

330

Total balance over 20 years

$672.14K

Projected monthly interest by year 20

$1,384

Grow your wealth with complete flexibility.

High interest rates

Earn up to 14% annual interest across digital assets, stablecoins, and more.

Daily interest

Experience the compounding effect as each payout fuels the next, helping your portfolio grow faster.

Total control over your assets

Withdraw, trade, or keep earning. Your assets are available at all times to do as you please.

Annual rates that drive your long-term success.

Up to 5.5%on BTC

Up to 6.5%on ETH

Up to 3%on NEXO

Up to 7%on BNB

Up to 8%on GBPx

Discover Fixed-term Savings.

Earn our highest interest rates for set period of up to 12 months.

Learn more

Start earning in just a few steps.

1. Buy or transfer crypto

Add funds to your Nexo account through bank, card, or crypto transfer.

2. Turn your balance into earnings

Maintain a $5,000+ portfolio balance and meet the required minimum per asset to start accruing interest.

3. Start earning

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

4. Boost your earnings

Set up a Recurring Buy to grow your balance on autopilot, or choose Fixed-term Savings to earn our highest rates.

Utilize the entire Nexo ecosystem to grow your wealth.

Crypto Card

Spend without selling your digital assets.

Credit Line

Borrow funds without selling your assets.

Exchange

Swap over 1,500 digital asset pairs seamlessly with a tap.

Fund your account the way you see fit.

Enjoy seamless USD, EUR, and GBP transfers via SEPA, Faster Payments, or SWIFT.

Add funds instantly with Visa, Mastercard, Apple Pay, or Google Pay.

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

Wealth solutions for private and corporate clients.

Access bespoke services built for those who demand flexibility, discretion, and trust.

Bespoke services for your private wealth

Available to individual clients and family offices with $100,000 in digital assets, Nexo Private offers tailored onboarding, a dedicated relationship manager, high-limit OTC trading, bespoke credit, and other exclusive benefits.

Build a digital asset treasury for your business

The Nexo corporate account combines institutional-grade custody, advanced OTC services, and extensive 24/7 client care to help your business diversify and thrive.

Strong fundamentals support your assets.

Simplify your crypto taxes with maximum 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.

Learn more

Frequently asked questions.

How do I start earning 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 $5,000 worth of digital assets.

You’ll begin earning daily interest on your digital assets a minimum of 24 hours from your top-up. 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:

Maintaining a portfolio balance above $5,000.
Holding at least 10% of your portfolio in NEXO Tokens to reach the Platinum Tier.
Choosing to earn interest in NEXO Tokens for up to 2% extra.
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.

Driving the next generation of wealth.

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

Sign up

Download the Nexo app

or

Direct download