How the Interest Account works

We are pleased to offer the Interest Account feature to eligible Blockchain.com Wallet users. The Interest Account is a custodial savings balance within your Wallet that earns interest on the amount you deposit and store in it. It’s easy to set up - head over to our Getting Started guides to learn how to start earning interest!

Any funds you deposit into the Interest Account will begin earning interest at a compound interest rate. When you’re done holding on to your savings, you can withdraw your original deposit along with any interest earned over that time to your non-custodial Wallet balance.

We are able to offer a competitive interest rate to users who deposit and hold bitcoin and/or ether with us. We do this by lending crypto deposits out to selected, rigorously vetted institutional and/or sophisticated borrowers who have established track records at a slightly higher rate. This rate comprises a larger portion, which is returned to you as interest, and a smaller amount which covers our operational costs and allows us to improve our products for our users.

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