Scan with your phone to get the appCrypto savings rates on exchanges
Flexible savings let you earn interest on coins you keep on an exchange and withdraw at any time. This page puts the current rates of 5 exchanges side by side.
Rates come from the public APIs of Binance, OKX, Bybit, KuCoin and Gate every 30 minutes; the 30-day average shows whether today's rate is unusually high.
APR is a yearly rate that changes every day and is not guaranteed. Many exchanges pay a higher rate only on a small first tier of your balance.
Deposit with flexible savings (withdraw any time) USDT, BTC, ETH… on Binance, OKX, Bybit, KuCoin, Gate — how much interest per year. Figures come straight from the exchanges, updated every 30 minutes.
Deposit USDT
| Exchanges | Annual rate | Interest after 1 year |
|---|---|---|
| Binance | 3.57%Bonus 11.57% on the first 1,000 USDT30-day avg 3.15% | 116 USDT≈ $116 |
| OKX | 4.00%30-day avg 3.96% | 40 USDT≈ $40 |
| Gate | 3.17%30-day avg 2.67% | 31.7 USDT≈ $31.7 |
| Bybit | 2.41%Bonus 7.41% on the first 100 USDT30-day avg 2.06% | 29.1 USDT≈ $29.1 |
| KuCoin | 1.14%30-day avg 1.28% | 11.39 USDT≈ $11.39 |
Deposit USDC
| Exchanges | Annual rate | Interest after 1 year |
|---|---|---|
| Binance | 2.50%Bonus 9.50% on the first 10,000 USDC30-day avg 2.67% | 94.96 USDC≈ $95.05 |
| OKX | 4.50%30-day avg 4.40% | 45 USDC≈ $45.04 |
| Gate | 3.59%30-day avg 3.29% | 35.9 USDC≈ $35.93 |
| Bybit | 2.44%Bonus 5.44% on the first 100 USDC30-day avg 2.39% | 27.4 USDC≈ $27.42 |
| KuCoin | 0.16%30-day avg 0.20% | 1.62 USDC≈ $1.62 |
Deposit BTC
| Exchanges | Annual rate | Interest after 1 year |
|---|---|---|
| OKX | 0.50%30-day avg 0.50% | 0.0005 BTC≈ $36.07 |
| Bybit | 0.10%Bonus 0.40% on the first 0.003 BTC30-day avg 0.10% | 0.000109 BTC≈ $7.86 |
| Gate | 0.10%30-day avg 0.10% | 0.0001 BTC≈ $7.21 |
| Binance | 0.016%Bonus 0.27% on the first 0.01 BTC30-day avg 0.017% | 0.000041 BTC≈ $2.97 |
| KuCoin | 0.016%30-day avg 0.019% | 0.000016 BTC≈ $1.13 |
Deposit ETH
| Exchanges | Annual rate | Interest after 1 year |
|---|---|---|
| Gate | 1.80%30-day avg 1.83% | 0.018 ETH≈ $36.24 |
| Binance | 1.15%Bonus 1.25% on the first 0.2 ETH30-day avg 1.18% | 0.01172 ETH≈ $23.6 |
| OKX | 1.00%30-day avg 1.00% | 0.01 ETH≈ $20.13 |
| Bybit | 0.80%30-day avg 0.80% | 0.008 ETH≈ $16.1 |
| KuCoin | 0.50%30-day avg 0.34% | 0.005 ETH≈ $10.07 |
Deposit BNB
Deposit SOL
Deposit XRP
Deposit DOGE
Coins with the highest flexible savings rates
Among the 300 largest coins by market cap, on OKX or Gate. High rates usually mean many people are borrowing the coin to short it — they can drop fast, and the coin price moves far more than the interest.
Updated at 09:12 PM (UTC+7). Flexible rates change hourly with borrowing demand on the exchange; the "bonus" usually applies only to a small first amount, and some exchanges offer it only to new users. "Interest after 1 year" uses the current rate, without compounding. Interest is paid in the same coin: if its price falls, the value in your currency can still fall. Exchange deposits are not insured like bank deposits: if an exchange fails (like FTX in 2022) you can lose your funds. DeFi yields (no exchange) → Crypto savings: where the yield comes from, the risks →
USDT savings FAQ
Which exchange pays the highest interest on USDT?
As of 09:12 PM, the highest flexible USDT rate for larger amounts is on OKX: about 4.00% a year. Binance offers a promo rate of 11.57% on the first 1,000 USDT. Rates change hourly.
How much does 1,000 USDT earn in a year?
At current rates, 1,000 USDT in flexible savings earns about 11.4 – 116 USDT in a year, depending on the exchange (simple interest).
Is keeping USDT in exchange savings safe?
Flexible savings let you withdraw anytime, but the money stays on the exchange: there is no deposit insurance like a bank, and exchanges can halt withdrawals or go bankrupt (FTX in 2022). Choose large exchanges that publish reserves, and don't keep everything on one.
What is the difference between flexible and fixed-term rates?
Flexible: withdraw anytime; interest accrues daily but changes constantly. Fixed term (30, 60, 90 days…): usually higher and fixed, but you must wait until the term ends to withdraw. This page compares flexible savings only.