Bitcoin Lending Rates: Compare Best (BTC) APY in Germany

Earn interest on Bitcoin up to 15 % APY. Compare rates and features across 26 platforms.

Last updated: 12 January 2026|Advertising disclosure

Bitcoin Lending Guide for Germany

How to lend Bitcoin in Germany

Crypto lending guide for Germany

Latest Bitcoin (BTC) Lending APY

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	DE Access
YouHodler	Go to Platform	12 % APY	—	—	—	Not DE
EarnPark	Go to Platform	10 % APY	—	—	30 days	DE Available
Nexo	Go to Platform	6,5 % APY	3,5 % APY	—	30 days	Check terms
AQRU	Go to Platform	2,5 % APY	—	—	—	Check terms
Gemini	Go to Platform	0,01 % APY	—	—	—	Not DE
Wirex	Go to Platform	14 % APY	—	—	—	Check terms
Neverless	Go to Platform	7,25 % APY	—	—	—	Check terms
Nebeus	Go to Platform	4,5 % APY	4,5 % APY	$0.08	—	Check terms
BTSE	Go to Platform	3,5 % APY	—	—	—	Check terms
Bitget	Go to Platform	3 % APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

DE Access

YouHodler

Go to Platform

12 % APY

—

Not DE

EarnPark

Go to Platform

10 % APY

—

30 days

DE Available

Nexo

Go to Platform

6,5 % APY

3,5 % APY

—

30 days

Check terms

AQRU

Go to Platform

2,5 % APY

—

Check terms

Gemini

Go to Platform

0,01 % APY

—

Not DE

Wirex

Go to Platform

14 % APY

—

Check terms

Neverless

Go to Platform

7,25 % APY

—

Check terms

Nebeus

Go to Platform

4,5 % APY

$0.08

—

Check terms

BTSE

Go to Platform

3,5 % APY

—

Check terms

Bitget

Go to Platform

3 % APY

—

Check terms

Historical Bitcoin lending rates (Germany)

Rates shown are the headline rates we track for Germany users; actual rates may vary by product, tier, or terms.

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YouHodler currently offers the highest Bitcoin lending rate in Germany at 12.00% APY, matching its 30-day average of 12.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Provider	Current Rate	Trend	Average Rate
YouHodler	12 %	-	avg 12 %
Earnpark	10 %		avg 2,52 %
Nexo	6,5 %		avg 5,86 %
Aqru	2,5 %	-	avg 2,5 %
Gemini	0,01 %	-	avg 0,01 %
Best 30-day averageYouHodler (12 % APY)

Last updated: 6 Feb 2026, 21:00

Platform Safety Information

We evaluate each platform on 5 factors. Higher stars = lower risk.

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
Nexo	EU (VARA Dubai, Multiple VASPs)	2024-12 (Armanino)	Has issues	Custodial insurance
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance

How we gather this information

Frequently Asked Questions About Lending Bitcoin (BTC) in Germany

"What are Bitcoin (BTC) lending rates, and how do they work?"

Bitcoin lending rates refer to the interest rates charged by platforms when borrowing Bitcoin or the rates offered for lending your Bitcoin. These rates can vary significantly across different platforms. For instance, there are currently 15 lending rates available for Bitcoin, with the best rate offered by Neverless. Staying informed about these rates is crucial for making sound lending decisions. Regularly checking platforms like Bitcompare can help you compare rates in real time.

What are Bitcoin (BTC) lending rates, and how do they work?

How can I find the best Bitcoin (BTC) lending rates?

To find the best Bitcoin lending rates, utilize comparison platforms like Bitcompare that provide real-time data on various lending options. Currently, there are 15 lending rates for Bitcoin, with the top rate available on Neverless. By checking these rates frequently and setting up email alerts, you can stay updated on any changes, ensuring you make informed decisions regarding lending your Bitcoin. Regularly monitoring these rates is essential for maximizing your returns.

What factors influence Bitcoin (BTC) lending rates?

Bitcoin lending rates are influenced by several factors, including market demand for loans, borrower creditworthiness, and the overall supply of Bitcoin available for lending. Additionally, platform-specific policies and competition among lenders can also impact rates. Currently, there are 15 lending rates available for Bitcoin, with the best rate offered by Neverless. Staying informed about these factors can help you choose the most favorable lending option.

What is the average Bitcoin (BTC) lending rate across different platforms?

Currently, the average Bitcoin lending rate is not explicitly available, as it can vary widely across different platforms. However, there are a total of 15 lending rates for Bitcoin, with the best rate found on Neverless. To gain a clearer understanding of the lending landscape, it is advisable to check comparison sites like Bitcompare, which provide real-time data on available rates. This enables you to make informed decisions based on the latest market trends.

Are there any risks associated with lending Bitcoin (BTC)?

Yes, there are risks associated with Bitcoin lending, including borrower default and platform security vulnerabilities. If a borrower fails to repay, you may lose your Bitcoin. Additionally, lending platforms may be susceptible to hacks or fraud. It is important to choose reputable platforms and assess their security measures. With 15 available lending rates for Bitcoin, regularly checking sites like Bitcompare can help you stay informed and mitigate potential risks before engaging in lending activities.

Frequently Asked Questions About Lending Bitcoin (BTC) in Germany