Bitcoin Lending Rates: Compare the Best (BTC) AER in the UK

Earn AER on Bitcoin of up to 15%. Compare rates and features across 26 platforms in the UK.

Last updated: 12 January 2026|Advertising disclosure

Bitcoin Lending Guide in the UK

How to lend Bitcoin in the UK

Cryptocurrency Lending Guide

Latest Bitcoin (BTC) Lending AER

Platform	Coin	AER
YouHodler	Bitcoin (BTC)	Up to 12% AER
Nexo	Bitcoin (BTC)	Up to 6.5% AER
AQRU	Bitcoin (BTC)	Up to 2.5% AER
Wirex	Bitcoin (BTC)	Up to 14% AER
Neverless	Bitcoin (BTC)	Up to 7.25% AER
Nebeus	Bitcoin (BTC)	Up to 4.5% AER

Platform

Coin

AER

Up to 12% AER

Up to 6.5% AER

Up to 2.5% AER

Up to 14% AER

Up to 7.25% AER

Up to 4.5% AER

Historical Bitcoin lending rates (the United Kingdom)

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

Rate data for YouHodler, Nexo, Aqru, Earnpark, Gemini
Date	YouHodler	Nexo	Aqru	Earnpark	Gemini
2025-12-27	12.00	6.50	2.50	0.15	0.01
2025-12-28	12.00	6.50	2.50	0.15	0.01
2025-12-29	12.00	6.50	2.50	0.15	0.01
2025-12-30	12.00	6.50	2.50	0.15	0.01
2025-12-31	12.00	6.50	2.50	0.15	0.01
2026-01-01	12.00	6.50	2.50	0.15	0.01
2026-01-02	12.00	6.50	2.50	0.15	0.01
2026-01-03	12.00	6.50	2.50	0.15	0.01
2026-01-04	12.00	6.50	2.50	0.15	0.01
2026-01-05	12.00	6.50	2.50	0.15	0.01
2026-01-06	12.00	6.50	2.50	0.15	0.01
2026-01-07	12.00	6.50	2.50	0.15	0.01
2026-01-08	12.00	6.50	2.50	0.15	0.01
2026-01-09	12.00	6.50	2.50	0.15	0.01
2026-01-10	12.00	6.50	2.50	0.15	0.01
2026-01-11	12.00	6.50	2.50	0.15	0.01
2026-01-12	12.00	6.50	2.50	0.13	0.01
2026-01-13	12.00	6.50	2.50	0.10	0.01
2026-01-14	12.00	6.50	2.50	0.10	0.01
2026-01-15	12.00	6.50	2.50	0.10	0.01
2026-01-16	12.00	6.50	2.50	0.10	0.01
2026-01-17	12.00	6.50	2.50	0.10	0.01
2026-01-18	12.00	6.50	2.50	0.10	0.01
2026-01-19	12.00	6.50	2.50	0.10	0.01
2026-01-20	12.00	6.50	2.50	0.10	0.01
2026-01-21	12.00	6.50	2.50	0.10	0.01
2026-01-22	12.00	6.50	2.50	0.10	0.01
2026-01-23	12.00	6.50	2.50	0.10	0.01

YouHodler currently offers the highest Bitcoin lending rate in the United Kingdom 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%
Nexo	6.5%	-	avg 6.5%
Aqru	2.5%	-	avg 2.5%
Earnpark	0.1%		avg 0.13%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (12% APY)

Last updated: 25 Jan 2026, 23:01

Frequently Asked Questions About Lending Bitcoin (BTC) in the UK

What exactly is Bitcoin and how does it work at a high level?

Bitcoin is a decentralized digital currency that operates on a public blockchain. It enables peer-to-peer money transfers without banks or intermediaries. Transactions are verified by miners who solve cryptographic puzzles (Proof of Work) and recorded on a public ledger. The system has a hard cap of 21 million coins, with new coins issued as block rewards about every 10 minutes. This design creates scarce digital assets and censorship-resistant transfers. Users interact with Bitcoin through wallets that hold private keys; signing a transaction with your key proves ownership and authorizes the transfer.

What is Bitcoin’s supply dynamics and why is the cap important?

Bitcoin has a fixed supply cap of 21 million coins. New bitcoins are minted as rewards to miners for adding blocks to the chain, with the reward halving roughly every four years. This halving reduces new supply over time, contributing to potential long-term scarcity. Once all 21 million coins are mined, no new bitcoins will be created. The capped supply is a core aspect of Bitcoin’s value proposition, often described as “digital gold,” as it aims to protect against inflation by limiting the total quantity available.

How can I safely buy, store, and use Bitcoin for transactions?

To buy Bitcoin, use a regulated exchange or broker, complete identity verification, and transfer BTC to a personal wallet. For storage, choose a secure wallet type: hardware wallets (offline storage) offer strong security for larger balances, while software wallets (mobile/desktop) are convenient for daily use. Always back up your seed phrase and enable two-factor authentication on exchange accounts. To transact, you’ll need the recipient’s Bitcoin address, confirm fee preferences (speed vs. cost), and broadcast the signed transaction to the network. Be mindful of security best practices to avoid phishing and loss of private keys.

What are the main risks and considerations when investing in Bitcoin today?

Bitcoin investments carry market risk, including price volatility driven by macro events, regulation, and market sentiment. As a decentralized asset with no intrinsic cash flows or credit risk, value depends on demand and adoption. Regulatory changes could impact exchanges and custody services, while technological shifts (like improvements to scaling or competing networks) may influence demand. Diversification, position sizing, and understanding custody risk are essential. Always use reputable platforms, secure wallets, and keep private keys offline when possible to reduce loss risk.

What are notable developments and use-cases surrounding Bitcoin beyond payments?

Beyond a peer-to-peer currency, Bitcoin has become a store of value and treasury asset for some institutions. Innovations like Ordinals enable NFT-like features directly on Bitcoin, while experimental token standards (e.g., BRC-20) explore fungible tokens on the Bitcoin network. Companies and investors also use Bitcoin as a hedge against currency debasement, treating it as a long-term reserve asset. Ongoing ecosystem growth includes infrastructure for custody, security, and potential integration with traditional financial vehicles through regulated products like spot ETFs and futures markets.

Frequently Asked Questions About Lending Bitcoin (BTC) in the UK