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Best Crypto Saving Accounts in UAE 2023

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Cryptocurrency saving gained popularity among UAE investors, allowing traders to generate passive income with high-interest rates. There are 36 crypto exchanges and brokers in UAE offering crypto saving accounts with different conditions making it tough for investors to select the ideal option for their goals.

Research and evaluation of available saving opportunities and their conditions help traders select a provider with high annual yields (APY’s), a wide range of cryptocurrencies, competitive fees and a great reputation.

This guide evaluates, compares and reviews available exchanges and brokers in UAE to help users find the ideal platform for their needs. The best crypto saving accounts in UAE are listed below, followed by in-depth reviews, comparisons and FAQs.

Best Crypto Savings Accounts in UAE

  • AQRU – Best Overall Crypto Savings Account
  • – Fastest and most Secure Crypto Savings Account
  • BlockFi – Most User-Friendly Crypto Savings Account
  • Binance – Most Diversified Crypto Savings Account
  • Coinbase – Best Crypto Savings Account for Beginners

Top crypto savings accounts in UAE Reviewed

The best cryptocurrency saving accounts in UAE are reviewed below including pros and cons.

1. AQRU: Best Overall Crypto Savings Account in UAE


AQRU is the best overall crypto savings account. Founded in December 2021, by two financial experts, Aqru uses mobile apps to make it easy for consumers to buy crypto and earn interest. 

Accru Finance Ltd. owns the platform. This is a private limited company registered in the United Kingdom. They keep their client’s crypto wallets safe by using Fireblocks technology and by ensuring every wallet up to $30 million. 

AQRU lends out the funds their clients deposit to decentralized exchanges and liquidity providers. By doing so they can guarantee their clients interest rates up to 12% per year. You can start saving your crypto at AQRU from $100. 

AQRU accepts deposits in Bitcoin, Ethereum, or stablecoins like USDT, USDC, and DAI and plans to add more cryptos. New users get $10 worth of USDT for signing up. There are no lock-in periods, which means you can withdraw your crypto at any time. Note that AQRU charges a $20 withdrawal fee.


  • No lock-in periods
  • Offers 10 USDT welcome bonus
  • Mobile app available


  • Low number of available cryptos to earn interest on
  • $20 withdrawal fee

2. Fastest and most Secure Crypto Savings Account in UAE

crypto-com-logo’s Crypto Earn is the fastest growing crypto savings account, not in terms of APY but their number of users. At the moment more than 10 million users have a crypto savings account. These crypto savings accounts offer up to 14,5% interest per year on stablecoins. 

Users can deposit over 40 different cryptocurrencies in their crypto savings account at  These include Bitcoin, Ethereum, Tether, and Litcoin. 

The exact amount of interest you receive depends on the amount of CRO you stake. CRO is the native token of the blockchain like Binance’s BNB. When you stake $40,000 or more CRO, you get the full per annum earnings on your crypto savings account. offers fixed lock-in periods. You can choose to stake your crypto for 1 or 3 months. crypto savings accounts have minimum thresholds before you earn interest. 

You can protect your crypto savings account with 2-factor authentication. This means you will have to enter a code that lasts 30 seconds every time you log into your account. This protects your crypto savings accounts from hackers and other cybercriminals.


  • 40 Different cryptocurrencies accepted
  • Up to 14,5% interest per year
  • 2 Factor Authentication


  • Low interest if you don’t stake CRO
  • Fixed lock-in periods

3. BlockFi: Most User-Friendly Crypto Savings Account in UAE


BlockFi is a crypto savings account with a built-in crypto exchange. With the BlockFi app, you can stake 14 different cryptos and earn up to 8% interest per year. BlockFi is easy to understand and allows you to connect your BlockFi crypto savings account with other crypto savings accounts. BlockFi is the #1 app for yield farming. This means earning money with more than one crypto interest-bearing account.

Blockfi offers its users a BlockFi Visa credit card. With this credit card, you can spend your crypto and earn up to 1,5% cashback into your crypto savings account. 


  • Easy to use mobile app for beginners
  • 1,5% cashback with BlockFi Visa credit card
  • Built-in crypto exchange


  • Low yearly interest rates compared to other crypto savings accounts

4. Binance: Most Diversified Crypto Savings Account in UAE


Binance is the most popular crypto exchange in the world that offers crypto savings accounts. With Binance you can choose to open either a flexible or locked savings account.

With the Binance flexible crypto savings account, you can hold 140+ different cryptocurrencies. You can earn interest and decide to withdraw at any time. With the Binance locked crypto savings account you earn more interest on your cryptos, but you can only withdraw them after a certain period. 

Binance’s crypto savings accounts are useful when you use the Binance exchange. With the crypto savings accounts offered by Binance, you can earn interest on the coins you trade.  The interest rates on Binance’s locked crypto savings accounts are among the highest-yielding in the industry. AXS and CAKE offer over 70% interest per year. 

Note that Binance is not regulated and your crypto savings are not insured in any way.


  • High-interest rates
  • Over 140 cryptos available to earn interest on
  • Flexible and locked crypto saving accounts


  • No insurance

5. Coinbase: Best Crypto Savings Account for Beginners in UAE

Coinbase logo

Coinbase offers the best crypto savings account for beginners in the United Arab Emirates. Coinbase is a popular crypto exchange that is easy to use. Users can trade and save their cryptocurrencies via the Coinbase app. 
Users can choose which DeFi protocol to use when activating their crypto savings account. Coinbase supports Ethereum, ATOM, DAI, and Tezos crypto savings accounts and offers up to 14% interest per year. 

To start saving crypto with Coinbase you download the app, enter how much crypto you want to save, and put it in your Coinbase crypto savings account. You can withdraw your crypto from your Coinbase crypto savings account any time you want. 


  • Easy to use for beginners
  • Built-in crypto exchange
  • Regulated cryptocurrency broker


  • Low number of available cryptos to save
  • Low yearly interest rates

How To Choose The Ideal Crypto Saving Account in UAE?

Criteria for finding the optimal crypto saving account in UAE are listed below.

  • Annual Percentage Yield (APY)
  • Wide Range of Crypto Products 
  • Great Reputation
  • Transparent and competitive fee structure
  • Robust safety and security Features (2FA, withdrawal whitelisting, cold storage)
  • High ease of use levels
  • Competitive fees

UAE Cryptocurrency Saving Accounts Compared

Key features of the top crypto saving accounts are compared in the table below.

BrokerAPY (Approx.)Number of Available CryptocurrenciesTrading FeesSecurity FeaturesWithdrawal RestrictionsCustomer ServiceRegulators
AQRU8-10%1200.1%-0.1%2FA, Cold StorageDaily limits*24/7 SupportUnknown
Crypto.com6-12%*90+0.10-0.16%*2FA, Cold StorageDaily limits*24/7 SupportHK’s CCMF
BlockFi4-7.5%*4+1-2%*2FA, Cold Storage7-day period*24/7 SupportNY’s DFS
Binance0.5-8%*500+0.02-0.1%*2FA, WhitelistDaily limits*24/7 SupportMulti-region
Coinbase0.15%*100+1.49-3.99%*2FA, Cold StorageDaily limits*Business hoursUS’s FinCEN

What is a Crypto Savings Account?

A crypto savings account is an interest-bearing cryptocurrency wallet. It works the same as a traditional bank account: you put crypto into the account and earn interest. The amount of interest earned on crypto savings accounts is high compared to traditional bank accounts. 

Crypto savings accounts yield more interest than traditional bank accounts because it costs less to run them. A bank has to pay employees, rent buildings, and make profitable investments to be able to pay you interest. A crypto savings account provider only needs to create a smart contract and provide your saved crypto as liquidity to crypto exchanges.

What are the Highest-Yielding Crypto Savings Accounts in the UAE?

The highest-yielding crypto savings accounts in the UAE are AQRU, Binance,, Coinbase, and BlockFi. Note that the interest offered by crypto savings accounts differs per provider and per crypto. 

You get more interest on fixed crypto savings accounts than flexible ones. On Ethereum, Bitcoin, and stablecoins you can expect around 7% APY. On altcoins like PancakeSwap and Axie Infinity you can expect double-digit yields up to 70% APY. 

Cryptocurrencies You can Earn Interest On

There are three types of cryptocurrencies on which you can earn interest: Bitcoin, stablecoins, and altcoins. 

  • Bitcoin: is the most famous cryptocurrency that has gone up in value by a lot. Because of this crypto savings accounts offer high yields for storing your Bitcoins with them.
  • Stablecoins: most cryptocurrencies are very volatile. To fix this problem, developers came up with stablecoins. These are cryptos that are pegged to the value of fiat money. For example, USDT, USDC, and DAI are all valued at around $1. Stablecoins are the digital equivalent of their fiat money counterpart and aren’t volatile like other cryptocurrencies. The interest on stablecoins offered by crypto savings accounts is about 5% to 7%. 
  • Altcoins: or non-stablecoins are all other cryptocurrencies that are not Bitcoin or Stablecoins. The interest offered on these altcoins differs per altcoin because of the volatility and risk they carry. The general of thumb is that the riskier the altcoin is, the higher the offered interest will be. 

Is a Crypto Savings Account safe?

Not as safe as a traditional bank account. Most crypto savings account providers aren’t regulated. This means that they don’t have to follow any banking laws. Your funds in a crypto savings account are not insured and won’t be covered when the crypto savings account gets hacked. 

Another thing to keep in mind is that you earn interest in the crypto that you deposit and not in cash. If your crypto is in a lock-up period, you cannot withdraw it, even if you want to sell. We recommend only putting crypto in crypto savings account that you can afford to lose.


Cryptocurrency saving is a popular investment in UAE to generate passive income and to achieve financial gains. However, with the various savings accounts offering different conditions, potential investors must analyze and evaluate their services to choose the ideal option.

In this guide, we have worked hard for our readers to help them make an informed decision by comparing and reviewing the services of different marketplaces. Our analysis results in a list of the best crypto-saving accounts in UAE, wrapped up in the table below.

#1AQRU4.7 / 5OverallOfficial website
#2Crypto.com4.3 / 5Speed and securityOfficial website
#3BlockFi4.3 / 5User-FriendlinessOfficial website
#4Binance4.2 / 5DiversificationOfficial website
#5Coinbase4.2 / 5BeginnersOfficial website


Should I keep my savings in a crypto savings account?

Yes, but only if you are willing to take the risk of saving at an unregulated crypto savings account provider. Most traditional banks offer lower interest rates but are more reliable.

Can I lose money in a crypto savings account?

Yes, the crypto savings account provider could get hacked, pull an exit scam, or you could lose the login details.

Is it safe to use a crypto savings account?

Yes, if you use reliable crypto savings account providers like the ones we mentioned in this guide.

How does a crypto savings account work?

The platform or broker where you deposit crypto lends it out to other brokers and exchanges. They earn money by providing this liquidity and with these earnings they pay you.


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