💰 Rates updated March 2026
Best Crypto Earn Accounts 2026
Compare APY rates across the top crypto banking platforms. Ranked by rate, safety, and Trustpilot score.
Affiliate disclosure: Some links on this page are affiliate links. If you open an account, we may earn a commission at no extra cost to you. This never influences our scores or rankings — see our methodology.
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Current APY Rates Compared
| Platform | Max APY | What earns it | Proof of Reserves | Trustpilot | Score | |
|---|---|---|---|---|---|---|
| Nexo | 16% | up to 16% APY (in-kind or NEXO tokens) | ✅ | ★ 4.5 | 7.8/10 | Review → |
| Crypto.com | 14.5% | up to 14.5% APY (Earn program, CRO staking) | — | ★ 1.3 | 6.7/10 | Review → |
| Revolut | 12.3% | up to 12.3% APY via staking (ETH, SOL, etc.) | — | ★ 4.7 | 8.5/10 | Review → |
| Kraken (Krak Bank) | 10% | up to 10%+ APY via DeFi vaults; staking rewards vary by asset | — | N/A | 7.4/10 | Review → |
| Sygnum Bank | 10% | 8–10% on BTC structured products; institutional staking rates vary | — | N/A | 5.9/10 | Review → |
| Ledn | 9% | up to 7.5% APY (BTC), up to 9% APY (USDC) | ✅ | ★ 4.7 | 5.4/10 | Review → |
| Wirex | 8% | variable (WXT staking, DUO DeFi accounts) | — | ★ 2.7 | 6/10 | Review → |
| Brighty | 5% | 5% APY on USDC and USDT stablecoins | — | ★ 4.2 | 6.5/10 | Review → |
Rates as of March 2026. Always verify current rates on each platform before depositing.
Platforms Ranked by Earn Rate
1
7.8
Highest yield + instant crypto loans
MiCA Compliant EU LicensedProof of ReservesArmanino Audited
↑ 16% APY 💳 Card 🏦 Loans 🪙 60 coins
★ 4.5 Trustpilot
2
6.7
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
↑ 14.5% APY 💳 Card 🏦 Loans 🪙 350 coins
★ 1.3 Trustpilot
3
8.5
The all-in-one account — banking, crypto, investing
MiCA Compliant UK Banking LicenceEU Banking LicenceFCA Regulated€100K DGS Protected
↑ 12.3% APY 💳 Card 🏧 IBAN 🪙 200 coins
★ 4.7 Trustpilot
4
7.4
First major US crypto bank — FDIC-insured, exchange-backed
FDIC Insured FDIC InsuredNY BitLicence
↑ 10% APY 💳 Card 🪙 200 coins
5
5.9
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
↑ 10% APY 🏦 Loans 🏧 IBAN 🪙 15 coins
6
5.4
The Bitcoin bank — yield and loans, nothing else
Proof of ReservesChainalysis Verified
↑ 9% APY 🏦 Loans 🪙 2 coins
★ 4.7 Trustpilot
7
6
150+ currencies, one card — pioneer with a support problem
FCA RegisteredE-Money Institution
↑ 8% APY 💳 Card 🪙 40 coins
★ 2.7 Trustpilot
8
6.5
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
↑ 5% APY 💳 Card 🏧 IBAN 🪙 30 coins
★ 4.2 Trustpilot
Frequently Asked Questions
Which crypto platform has the highest APY? +
Nexo currently offers the highest headline rate at up to 16% APY, though this requires holding NEXO tokens in your portfolio. Crypto.com offers up to 14.5% for CRO stakers. For stablecoins, Brighty offers 5% APY on USDC/USDT with no token lock-in.
Is crypto yield safe? +
Crypto yield is significantly riskier than traditional bank interest. Platforms can freeze withdrawals (as seen with Celsius, BlockFi, and Nexo US in 2022). Look for platforms with Proof of Reserves (Nexo, Ledn), full banking licences (Revolut), or FDIC insurance on fiat (Kraken Bank). Never deposit more than you can afford to lose.
What is Proof of Reserves and why does it matter? +
Proof of Reserves (PoR) is a cryptographic audit that proves a platform holds the assets it claims to hold. Ledn publishes monthly PoR via Chainalysis. Nexo publishes PoR via Armanino. After FTX collapsed in 2022 (no PoR), this became the most important trust signal in crypto.