Earn interest on your idle cryptocurrency


You could hold your crypto and watch its value grow over the years. But what if you took it one step further?

Benefit both from the potential appreciation of your cryptocurrencies while earning interest — also in crypto.

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No unnecessary fees

No start fees or monthly fees and you can make a withdrawal request to your funds at any time.

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Transfer your funds easily and for free

If you already have crypto, you can transfer it to your Coinmotion wallet and then move it to an interest account.

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Interest Account & Coinmotion Wealth

Interested in depositing a minimum of €10,000 over a fixed-term period in exchange for higher fixed interest rates? Contact our Coinmotion Wealth unit via [email protected].



Got questions about the Interest Account?
We got you covered

How to earn passive income with crypto

Depositing into the interest account is quick and easy. To make a deposit, you must have a verified Coinmotion account with either euros or cryptocurrencies on your account. If you have deposited euros, transfer them into cryptocurrencies, as you can only deposit cryptocurrencies onto the interest account.

How to open a Coinmotion account?

To find the interest account in Coinmotion, login, and navigate to Savings – Interest Account. When making a deposit to your interest account, select the desired cryptocurrency, amount, and confirm the deposit. After that, your funds will be moved to the interest account and start earning interest.

If you don’t have a Coinmotion account yet, get started here:

How does crypto interest account work?

Your cryptocurrencies will not be converted to other cryptocurrencies or sold during the deposit period. The bitcoins you have deposited will be retained as bitcoins during the deposit. Interest payable will also be paid to you in the same virtual currency you have deposited to your interest account.

The daily interest rate is calculated on a compounding basis. In other words, the profit you will get increases even further.

Interest rates may change due to the market demand. You can view current rates in your account.

On the Interest Account page, you can see the funds you have deposited to the interest account, as well as the accrued interest income.

How to deposit crypto to the interest account?

Don’t own any cryptocurrency? It’s quick and easy to buy it in Coinmotion. All you need to do is deposit euros (no fee) and make a purchase.

How do I withdraw my crypto and earned interest?

There are no costs when transferring funds to the interest account. You will also not be charged for the duration of the interest account.

A fee will be charged for withdrawing funds from the interest account. You can preview the fee for each virtual currency before you even open the account.

The withdrawal period takes a maximum of 30 days, and you can request a withdrawal of your funds at any time.

Read more about our interest account in our blog, and find answers for frequently asked questions from our Help Center.

Who's behind the interest account?

When you open an interest account, you lend your funds to the markets and receive compensation for the lending. There is extensive use of margin trading, e.g. trading with debt leverage, where both private investors and institutions need to borrow cryptocurrencies for their trades. We bring you this service in cooperation with our partner Tesseract Group Oy.

The safety of your funds is in good hands

Tesseract is a digital currency company operating from Helsinki, supervised by the Finnish Financial Supervisory Authority (FIN-FSA). Tesseract, formerly known as WhaleLend, is a European and an experienced player in the cryptocurrency lending market. Tesseract uses only service providers that are insured against hacking to fort customer fund transfers and short-term storage. Tesseract has multidisciplinary expertise in portfolio management, capital markets, investments, and blockchain technology. Read more about the company here.

Coinmotion oy is a licensed payment institution and cryptocurrency provider regulated by the FIN-FSA. In order to obtain the licenses, the company had to pass several safety-related audits and controls, and we are subject to continuous reporting. Payment institutions are also subject to the capital requirements of the Financial Supervisory Authority, which means that Coinmotion’s capital is monitored and regularly reported to the Financial Supervisory Authority. In this industry, almost no other service provider is subject to similar regulations. We make Coinmotion’s operations transparent and secure.

Take the first step
TO the future of crypto

Using cryptocurrencies in your everyday life is easier than you thought.

Grow your wealth and make your money work for you, earn interest on your funds

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