Interest account

Put your cryptocurrencies to work and earn interest on your funds

Now you can benefit both from the potential appreciation of value for your cryptocurrencies while also earning interest. Your cryptocurrencies There is a growing market for lending and borrowing in cryptocurrencies, through several different reasons. Your cryptocurrencies will not be converted to other cryptocurrencies or sold during the deposit period. Instead, you can be sure that, for example, the bitcoins you have deposited will be retained as bitcoins during the deposit. Interest payable will also be paid to you in the currency you have deposited to your interest account.

How to use the interest account?

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, log in, 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.

The daily interest rate is calculated on a compounding basis. The withdrawal period takes a maximum of 30 days, and you can make a withdrawal request to your funds at any time. On the Interest Account page, you can see the funds you have deposited to the interest account, the accrued interest income, and the current market interest rates.

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. The interest rate is determined by the prevailing market demand. You can see current interest rates when you log in. We bring you this service in cooperation with our major partner Tesseract Group Oy.

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

Premium Interest Account & Private Banking

In addition to the interest account available to everyone on our site, you have the opportunity to participate in a premium interest account designed for larger amounts and more individual service. The premium interest account is designed for Coinmotion’s Private Bank customers and differs somewhat from the normal interest account. Coinmotion Private Banking is a collection of various value-added services for our customers who value individual service and insights.

Premium interest account typically has an investment period of 6 months at a time, and in practice it is not recommendable to make withdrawals from the account during that time. Thanks to the longer investment period, it is possible to take advantage of longer-term loan agreements, through which the investor benefits from a higher & fixed interest rate. Each Premium interest rate account has a different size minimum investment depending on the round. In the Q4 2020 round, the minimum investment has been 1.0 BTC & 30.0 ETH.

Are you interested in depositing at least € 100.000 into an interest-bearing account with a longer term deposit period and a higher fixed interest rate? Inquire about the schedule for the next round of premium interest account or the possibility of making an individual agreement at:

[email protected]


Service is provided by Coinmotion and Tesseract Group Oy

Tesseract is a digital currency company operating from Helsinki, which is also 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. The company uses only selected and regulated parties as its business counterparties. Tesseract additionally 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. Key personnel has work experience e.g. companies such as. BCG, Morgan Stanley & Clifford Chance LLP. Among others, e.g. Taaleri, Estlander & Partners, and Icebreaker have invested in Tesseract. You can read more about the company here.

Coinmotion Oy, formerly known as Prasos 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, so in this respect, Coinmotion’s operations are very transparent and reliable. The customer funds store at Coinmotion are stored on separate customer accounts. Funds in euros are stored in a Finnish Bank, Aktia Bank Oyj.