Compare Ethereum Interest Rates in 2026

Do you want to generate passive Ether income by receiving interest on your Ethereum? You can easily compare all Ethereum staking and earn providers based on interest rates via our calculator. You can also easily see what your estimated profits will be in ETH, euro and in dollars.

Amount (in ETH)

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

  Calculate Interest

Provider	Flex. Interest (APY)	Interest in ETH*	In EUR en USD*
	6.00%	0.06 ETH	€ 102.64 ($125.45)	Visit Up to 16% interest
	3.50%	0.04 ETH	€ 59.87 ($73.18)	Review Visit 50 USD staking bonus
	1.01%	0.010100000 ETH	€ 17.28 ($21.12)	Review Visit €10 Free and €10k Free Trading
	0.20%	0.002000000 ETH	€ 3.42 ($4.18)	Review Visit 10 EUR free BTC and ETH

Compare Ethereum interest rates to generate a passive income with your Ether. The percentages you see are yearly rates and the payout is often in ETH. That way you can let your Ether do the work. Keep in mind that interest rates can change (and this often happens).

*The interest in ETH, euro and US dollars is of course only an estimation. We use an average of the current Ethereum price. This means that differences can occur. Use the comparison tool only as an indication and no rights can be derived from the results.

How can I calculate the Ethereum interest?

The interest calculator makes it very easy to calculate your ETH interest for your specified period. By default you see the interest rates on an annual basis (this is what you will receive in ETH per year). Behind each provider you see the current interest that they offer and sometimes a bonus interest.

• Enter how much Ether you want to stake or lend.
• At Period you can indicate how long you want to do this.
• Click on the button to calculate the expected profits.

The overview automatically calculates the estimated ETH interest for your entered amount. This estimate is made based on the current interest rates and the Ethereum price (which is updated every hour). Both the rate and the percentage are not fixed, so keep this in mind.

How does earning interest on Ethereum work?

Since Ethereum completed its migration from Proof-of-Work to Proof-of-Stake in September 2022 (known as “The Merge”), ETH holders can now earn staking rewards directly from the Ethereum protocol. This is fundamentally different from lending: when you stake ETH, your coins help secure the Ethereum network by validating transactions, and the protocol rewards you for it.

Running your own Ethereum validator requires a minimum of 32 ETH (worth over $100,000 at current prices), which is out of reach for most investors. That’s where exchange-based staking comes in. Platforms like Bitvavo and Bybit pool user funds together, allowing you to stake any amount of ETH and receive a share of the staking rewards. Bybit Earn offers ETH yields between 0.80% and 2.00% APR. Bitvavo offers flexible ETH staking as part of its 70+ supported staking coins.

Some platforms also offer lending products where your ETH is lent to borrowers rather than staked on the network. Lending can sometimes offer higher rates than pure staking, but carries additional risks because your funds are in the hands of a third party rather than secured by the Ethereum protocol itself.

In our overview we only show flexible contracts. This means that you can always withdraw your Ether and you do not have to lock it for a specific period. With a flexible contract you generally get a lower percentage than with a fixed contract.

In addition, we only allow companies with a high reputation in the market. ETH interest rates are annual and realistic. We will never include companies that can pay an interest of 1% per day, for example, as this is often a scam and not sustainable.

Ethereum staking vs. lending vs. liquid staking

There are three main ways to earn yield on your ETH in 2026, each with different risk profiles:

Exchange staking is the easiest option. Platforms like Bitvavo or Bybit stake your ETH on the Ethereum network on your behalf. You earn staking rewards (typically 2-4% APY) without needing 32 ETH or any technical knowledge. The tradeoff is that you trust the exchange with custody of your funds and they take a small fee from the rewards.

Liquid staking has become one of the most popular DeFi innovations. Protocols like Lido (stETH) and Rocket Pool (rETH) let you stake your ETH and receive a liquid token in return that represents your staked ETH plus accrued rewards. You can then use this token as collateral, trade it, or deploy it in other DeFi protocols to earn additional yield. The risk is that liquid staking introduces smart contract exposure and the liquid token may occasionally trade at a slight discount to ETH.

Lending involves handing your ETH to a platform that lends it to borrowers. The borrowers pay interest, and a portion is passed to you. Rates can be higher than staking, but the risk is also higher: if the platform goes bankrupt or gets hacked, you could lose your ETH entirely. The collapses of Celsius, BlockFi and Voyager in 2022 demonstrated this risk, with users losing billions in crypto deposits.

What are the risks associated with Ethereum staking and lending?

Staking or lending your Ethereum is not risk-free. The level of risk depends on the method you choose: exchange staking carries platform risk, liquid staking adds smart contract risk, and lending introduces counterparty risk on top of everything else. As always, never invest more crypto than you are willing to lose.

Take the following risks into account:

• The chosen staking or lending provider can go bankrupt or can be hacked. Celsius, BlockFi and Voyager all collapsed in 2022, and even major exchanges like Bybit ($1.5 billion, February 2025) have been targeted by hackers. Choose platforms that hold a MiCA license, publish Proof of Reserves and have a track record of making users whole after incidents.
• The price and interest rate can decrease in value.
• Smart contract risk: if you use liquid staking protocols or DeFi-based earn products, a bug or exploit in the code could result in loss of funds.
• Slashing risk: if the validator your ETH is delegated to misbehaves or goes offline for an extended period, a portion of the staked ETH can be penalized by the protocol. This risk is lower on reputable exchanges that run professional validator infrastructure.

For lending specifically, someone borrows your Ether, and although collateral is given, something can go wrong here too. The value of the collateral may drop suddenly or the borrower may be unable to repay the money. Of course, security features are built in for this (the collateral is sold immediately), but it is still something to take into account.

If you still want to stake or lend a significant amount of Ethereum, you can consider spreading this across multiple companies. If one company is doing badly, there is still a part with the other company. Of course it is also wise to do some research yourself into the service provider you choose. Prioritize platforms with a MiCA license or equivalent regulation, transparent Proof of Reserves, and a strong security track record.

You can read our reviews for your research, but also take a look on social media to see what the current sentiment is. For example, if there are problems with withdrawing funds, it is not wise to do business with such a company.

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