Hit your long-term targets.

Earn rates as high as 16% annually with Fixed-term Savings.

Sign up & get 1% in BTC
Unlock white-glove wealth solutions when you add $100,000 or more.
Discover Nexo Private
A man wearing a black T-shirt and black cap holds a golf club, preparing to take a swing on a green field.
A mobile phone showing fixed-term saving screen from Nexo app
Operating
since 2018

Personalized
client care 24/7
Assets under management
$11+ billion

Savings that support your goals.

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

Earn even higher rates

Earn extra yield on top of our Flexible Savings rates with 1, 3, or 12-month terms.

Preserve wealth over time

Maintain the long-term value of your assets with steady and compounding returns.

Grow your portfolio on autopilot

Auto-renew your term with zero effort and enjoy uninterrupted growth.

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.
Learn more

High annual yields for your digital assets.

Bitcoin Logo, Buy BTC
Up to 7%On BTC
ETH Logo, Buy Ethereum
Up to 8%On ETH
Nexo Token Logo, Buy NEXO
Up to 12%On NEXO
Tether Logo, Buy USDT
Up to 16%On USDT
USD Coin Logo, Buy USDC
Up to 14%On USDC
British Pound (GBP) currency flag icon
Up to 15%On GBPx
US Dollar (USD) currency flag icon
Up to 15%On USDx
Euro (EUR) currency flag icon
Up to 15%On EURx
Axie Infinity Logo, Buy AXS
Up to 30%On AXS
Polkadot Logo, Buy DOT
Up to 15%On DOT
TrueUSD Logo, Buy TUSD
Up to 14%On TUSD
Pax Dollar Logo, Buy USDP
Up to 14%On USDP
DAI Logo, Buy DAI
Up to 14%On DAI
Kusama Logo, Buy KSM
Up to 12%On KSM
Ripple Logo, Buy XRP
Up to 12%On XRP
Tron Logo, Buy TRX
Up to 11%On TRX
Bitcoin Cash Logo, Buy BCH
Up to 11%On BCH
Cosmos Logo, Buy ATOM
Up to 11%On ATOM
NEAR Protocol Logo, Buy NEAR
Up to 10%On NEAR
Injective Logo, Buy INJ
Up to 9%On INJ
Celestia Logo, Buy TIA
Up to 9%On TIA
ApeCoin Logo, Buy APE
Up to 9%On APE
Vaulta logo, Buy Vaulta
Up to 8%On A
Stellar Logo, Buy XLM
Up to 8%On XLM
Litecoin Logo, Buy LTC
Up to 8%On LTC
Cardano Logo, Buy ADA
Up to 8%On ADA
Solana Logo, Buy SOL
Up to 8%On SOL
Binance Coin Logo, Buy BNB
Up to 8%On BNB
Avalanche Logo, Buy AVAX
Up to 8%On AVAX
Up to 7.25%On WBTC
Sonic coin logo
Up to 7%On S
Pax Gold Logo, Buy PAXG
Up to 7%On PAXG
Chainlink Logo, Buy LINK
Up to 7%On LINK
Polygon Logo, Buy POL
Up to 7%On POL
Arbitrum Logo, Buy ARB
Up to 6%On ARB
Osmosis Logo, Buy OSMO
Up to 5.5%On OSMO
The Graph Logo, Buy GRT
Up to 5%On GRT
AAVE Logo, Buy AAVE
Up to 4%On AAVE
DogeCoin Logo, buy DOGE
Up to 3%On DOGE
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Estimate your earnings.

Compare your potential earnings with Nexo's Fixed-term Savings to alternative yield options.

USD Coin Logo, Buy USDC
up to 14%
$
Today10 years
Today20 Years
Start earningArrow Up Right icon

Choose Nexo's Flexible Savings to earn compound interest with daily payouts and no lock-ups. Discover how much you can earn.

Learn moreArrow Square Right icon
$700,000in interest at 14%$1,200,000Total balance over 10 years
Nexo Fixed-term 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.

More benefits of Fixed-term Savings.

Maintain a healthy Credit Line

Use your Fixed-term Savings as a backup to strengthen your Credit Line in a single tap.

Grow wealth faster with compounding interest

Automatically reinvest your earned interest into your expiring term to accelerate your growth.

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.

$371+ billion

in transaction volume and collateralized credit issued

150+

jurisdictions worldwide

$1.2+ billion

in interest paid
Yoga woman

Go flexible.

Earn daily compound interest and have your assets available to trade or withdraw at any time.

Simplify your crypto taxes with maximum precision.

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

Generate Tax Report Nexo

 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 $5,000 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 $5,000 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 $5,000 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 $5,000 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 earning compound interest using Fixed-term Savings?

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.

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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 & get 1% in BTC