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Celsius Network Interest Accounts

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APY rates ranging from 2.02-13.99% (no staking). Approx. 39 cryptocurrency & stablecoin assets to earn weekly compounding interest on. No withdrawal or deposit fees, outwards gas fees also covered by Celsius. Rates change depending on whether users are outside of the US. Users can optionally take payment in CEL, offering marginally increased rates. Those holding between 5-20% of their portfolio in CEL will receive additional discounts and rewards.

KYC checks ensure security & legitimacy but compromise anonymity. Backed by Fireblocks & Primetrust crypto-custodians. No lockup period & accessible via PC or mobile app. Automated support needs improvement, currently no live chat. Never suffered a security breach or hack since founding.

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7.5/10 (Expert Score)
Product is rated as #9 in category Interest Accounts

Verdict: Good starting APY rates ranging from 2.02 - 17.78%. Supports a large number of assets, with approx. 39 cryptocurrencies and stablecoins to save & earn interest on. No withdrawal or deposit fees, with outward gas fees also covered by Celsius. Those in the US will receive no additional reward rates when staking, although in-kind reward rate (APY) for BTC also changes from 4.06 to 6.20%. KYC checks help maintain security but can compromise anonymity for some.

Insurance coverage unspecified, however they are backed by established crypto-custodians, Fireblocks & PrimeTrust; taking direct responsibility over the security of these assets. As a result, it’s more than likely that the majority of currency is kept offline in cold storage wallets, however this is unspecified. We would be extremely surprised if this was not the case, as it is the most secure storage method. Automated support which posts a number of relevant FAQ's, not very helpful for complex issues. Accessible via PC or mobile.

Interest Rates
Supported Currencies
Customer Support
  • No lockup terms or freezes
  • Weekly compounding interest
  • Accessible via both PC & mobile
  • Fair APY rates ranging from 2.02 - 13.99%
  • Supports approx. 39 cryptocurrencies/stablecoins
  • Backed by Fireblocks & PrimeTrust crypto custodians
  • Never suffered from any security breaches or hacks
  • Very straightforward, clear design & easy to use platform
  • Optional staking of native token available for better rates
  • Fully audited and backed by a number of well-known companies
  • Covers the majority of fees, including withdrawal/deposit & outward gas fees
  • KYC checks compromise anonymity
  • No mention of cold storage
  • Collaterals of up to 150%
  • No Fiat saving options
  • Automated support

Specification: Celsius Network Interest Accounts

Loan Information
Staking ,
Staking Percentage 25% of rewards received
Company & Availability
Headquarters New York
Year of origin 2017
Number of users 215,000
Insurance Coverage Not specified
Previously hacked No
Eligible regions
Excluded regions Cuba, Germany, Iran, North Korea, Sudan, Syria
Credit Check No
Savings Information
Supported Fiat Currencies
Supported Cryptocurrencies , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Lockup term N/A
Interest Payments Weekly
Rate Variability Variable
Compounding Yes
Gas fees No fees
Withdrawal fees Free
Cryptocurrency APY Interest
BCH APY 4.51% paid in-kind, 5.66% CEL staking
BTC APY 4.06% in-kind, 5.10% CEL rewards
EOS APY 4.45% paid in-kind, 5.60% CEL reward
ETH APY 5.05% paid in-kind, 6.35% CEL reward
LTC APY 4.08% paid in-kind, 5.12% CEL reward
PAXG APY 5.50% paid in-kind, 6.92% CEL reward
XLM APY 3.88% paid in-kind, 3.10% CEL reward
XRP APY 2.50% paid in-kind, 3.13% CEL reward
Stablecoin APY Rates
DAI APY 10.51% paid in-kind, 13.30% CEL reward
TUSD APY 10.51% paid in-kind, 13.30% CEL reward
USDC APY 10.51% paid in-kind, 13.30% CEL reward
USDT APY 10.51% paid in-kind, 13.30% CEL reward
Asset protection & Insurance
Audited Chainalysis
Cold Storage Not specified
Company Backing Amon, Bitfinex, Bitfront, Bitwala, Coinlend, Infinito, Korbit, Line, Mode, Monarch, Outlet, Voyager
FDIC insurance No
Insured by Fireblocks, PrimeTrust
GUSD APY 10.51% paid in-kind, 13.30% CEL reward

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Celsius Network Interest Accounts
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