Compare Bitcoin Interest Rates in 2026

Discover how you can earn interest with your Bitcoin. With our overview you can compare Bitcoin interest with all reliable crypto earn platforms.

Also use the interest calculator to calculate an estimate in BTC, euro and dollar based on the current Bitcoin price and all the provided interest rates.

Amount (in BTC)

Period 1 dag 1 week 1 month 3 months 6 months 1 year 3 year

  Calculate Interest

Provider	Flex. Interest (APY)	Interest in BTC*	In EUR en USD*
	6.00%	0.06 BTC	€ 3,725.75 ($4,553.62)	Visit Up to 16% interest
	0.51%	0.005100000 BTC	€ 316.69 ($387.06)	Review Visit €10 Free and €10k Free Trading
	0.25%	0.002500000 BTC	€ 155.24 ($189.73)	Review Visit 50 USD staking bonus
	0.23%	0.002300000 BTC	€ 142.82 ($174.56)	Review Visit 10 EUR free BTC and ETH

Compare Bitcoin interest rates with the above companies to generate a passive income. Looks a lot better than the interest at your current bank right?

*We show the estimated interest in BTC, euro en dollar based on the current Bitcoin price. It is possible that the provider uses a different market price (we use the average of all exchanges) or has changed the interest rates. No rights can therefore be derived from these estimates.

How does the Bitcoin interest rate comparer work?

On this page you can easily compare Bitcoin interest rates and also calculate your estimated earnings. It works very simple:

• At Amount you enter the number of Bitcoin.
• At Period you select how long you plan to receive interest.
• Click on Calculate Interest and our calculator will automatically calculate the estimated profits.

The Bitcoin interest table shows the estimated interest in BTC and its value in dollar and euro at the current Bitcoin price. Keep in mind that this is only an estimate. The BTC price can change, but so can the interest rate!

How is it possible to receive interest with my Bitcoin?

Bitcoin uses a Proof-of-Work consensus mechanism, which means BTC cannot be staked like Ethereum or Solana. When a platform offers “Bitcoin interest” or “Bitcoin staking”, they are actually lending your BTC to borrowers or deploying it in other yield-generating strategies.

Companies like Nexo have developed a Bitcoin credit P2P marketplace. They bring BTC borrowers and lenders together. If you want to borrow Bitcoin, you pay a percentage and this is paid to the Bitcoin lenders. Not everything, of course, because these platforms take a part of the profit in order to survive.

Because the market is constantly changing and the Bitcoin interest rates depend on the market, the BTC interest rates vary continuously. That is why comparing Bitcoin interest rates is always a smart thing to do.

Other platforms, such as Bitvavo and Bybit, offer Bitcoin earn products through their savings or lending features. Bybit Earn offers BTC yields between 0.30% and 0.80% APR, while rates at other platforms vary depending on market demand for Bitcoin loans. Because they have a lot of customers as an exchange and can therefore lend large quantities of Bitcoin, they can enforce very favorable percentages.

Bitcoin interest rates in 2026: what to expect

Bitcoin earn rates have dropped significantly compared to 2021-2022. Most reputable platforms currently offer between 0.5% and 3% APY on BTC. The main reason is that demand for Bitcoin loans has decreased as the leveraged trading frenzy of previous years has cooled down.

Higher rates (above 5%) are sometimes available but often come with additional risks such as longer lock-up periods, exposure to DeFi smart contracts, or platforms with less regulatory oversight. Always question where the yield comes from: if a platform offers rates that seem too high compared to competitors, the risk is likely higher as well.

What is the risk of lending my Bitcoin?

Does it look too good to be true? We can imagine that. These types of platforms are especially interesting for people who do not want to take risks with Bitcoin trading, but instead want to generate passive income.

However, it is important to understand that earning interest on Bitcoin is never risk-free.

Consider the following risks:

• The company can go bankrupt. This happened to Celsius, BlockFi and Voyager in 2022, where users lost billions of dollars in crypto deposits.
• The company can be hacked. Even large exchanges like Bybit ($1.5 billion, February 2025) and Phemex ($85 million, January 2025) have been targeted, though both fully covered affected users.
• Bitcoin can crash in value.
• Interest rates can also fall.
• What if there are no more Bitcoin borrowers?
• Smart contract risk: if the platform uses DeFi protocols, a bug or exploit in the code could result in loss of funds.

In addition, you lend your Bitcoin and they also lend it out again. Although the party to whom you lend it in fact pays a collateral, it can always happen that they are unable to pay off their loan. Or that the value of the collateral decreases in value.

If such a party cannot repay the loan, the collateral is sold at an early stage. Should the value of the collateral be insufficient, then more collateral is requested. If this is not met, the collateral is also sold. This is an automated process and in theory something could go wrong here.

As you can see, there are risks involved in receiving Bitcoin interest. Therefore, only lend Bitcoin that you can miss. If you still want to take a greater risk, spread your Bitcoin across multiple companies. Choose platforms that hold a MiCA license or equivalent regulation, publish Proof of Reserves, and have a track record of covering users in case of incidents.

Please note: earning interest on cryptocurrency involves risks including platform risk, smart contract risk and market volatility. Past performance is no guarantee of future results. Never invest more than you can afford to lose.