Best Crypto Saving Accounts in UAE

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Cryptocurrency investing is getting more popular and yields higher returns than traditional saving. For this reason, companies developed a new product: the crypto savings account. Within these savings accounts, investors can store their crypto and earn interest. 

There are many crypto savings accounts available, each with its own pros and cons. In this guide, we will help you choose the best crypto savings account in the UAE.

Best Crypto Savings Accounts in UAE

We have made a list of the top 5 best crypto savings accounts in the UAE. We will discuss each of these crypto savings accounts in detail below. 

  • 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
#1AQRUStart saving your crypto at AQRU from $1004.7 / 5Best Overall Crypto Savings AccountOfficial website
#2Crypto.comUp to 14,5% interest per year on stablecoins.4.3 / 5Fastest and most Secure Crypto Savings AccountOfficial website
#3BlockFi14 different cryptos and earn up to 8% interest per year4 / 5Most User-Friendly Crypto Savings AccountOfficial website
#4BinanceYou can hold 140+ different cryptocurrencies4.3 / 5Most Diversified Crypto Savings AccountOfficial website
#5CoinbaseOffers up to 14% interest per year4.4 / 5Best Crypto Savings Account for BeginnersOfficial website

Reviews of the best crypto savings accounts in UAE

The best crypto savings account depends on your preferences and tech knowledge. Each crypto savings account is different from others and has its own advantages. Let’s take a look at the best crypto savings accounts in the UAE.

01. 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 insuring 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 periodsLow number of available cryptos to earn interest on
Offers 10 USDT welcome bonus$20 withdrawal fee
Mobile app available

Open an AQRU Crypto Savings Account and get 10 USDT free

02. Fastest and most Secure Crypto Savings Account in UAE’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 acceptedLow interest if you don’t stake CRO
Up to 14,5% interest per yearFixed lock-in periods
2 Factor Authentication

03. 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 beginnersLow yearly interest rates compared to other crypto savings accounts
1,5% cashback with BlockFi Visa credit card
Built-in crypto exchange

04. 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 ratesNo insurance
Over 140 cryptos available to earn interest on
Flexible and locked crypto saving accounts

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


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 beginnersLow number of available cryptos to save
Built-in crypto exchangeLow yearly interest rates
Regulated cryptocurrency broker

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.


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. 

Getting Started with A Crypto Savings Account in the UAE

It is easy to get started with your crypto savings account. Most crypto savings account providers have a straightforward registration procedure on their website. 

To get started with AQRU, the best overall crypto savings account in the UAE, follow these steps:

  1. Register 
    Navigate to the AQRU website and click ‘Sign Up’. Fill in your email, set up a password, and select your preferred currency.
  1. Verify your Identity
    Verify your identity by uploading a photo of your driver’s license, passport, or national ID card. 
  1. Deposit Funds
    Once AQRU approved your identity document, you can deposit funds by bank transfer, credit card, or crypto from other crypto wallets. You can deposit Bitcoin, Tether (USDT), or Ethereum.
  1. Earn Interest
    You will now start to earn interest on your crypto. It is possible to withdraw your crypto any time you want.

Start earning interest on your crypto.

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.

Best Crypto Savings Accounts in UAE – Bottom Line

Saving your crypto in a crypto savings account is a good way to earn a passive income. The interest rates offered are higher than at traditional banks. You can choose whether to use flexible or fixed crypto savings accounts. It is also up to you which crypto you want to put in a crypto savings account. We recommend only saving crypto in crypto savings account that you can afford to lose. Note that most crypto savings account providers aren’t regulated. 


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.

Business24-7 aims to help those interested in cryptocurrency make safe and informed investing decisions. We are dedicated to offering our readers unbiased reviews of leading cryptocurrency exchanges for traders at all levels. Cryptocurrency exchanges are included in our reviews if they are safe, liquid, regulated by proper authority, or decentralized. 

All trading involves risk. More than 80% of investors lose in spread bet and CFD trading. As these complex instruments allow for the use of leverage, there is a high risk of losing more money than you have deposited. Before attempting to participate in spread bets and CFDs, consider how well you understand them and if you can afford to lose your money.

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Stefan Grasic (Dipl.-Jur) is the World Wide Director of research for Buisness24-7 and has considerable experience in the financial and investment niche, but also enjoys writing articles for the general readership. Stefan is an active Crypto, Forex and general investment researcher advising blockchain companies at their start up level. He keeps fit by mountain biking, surfing, skiing and lots of other adrenaline sports.


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