EXMO Review 2026 | EXMO Rates | Coin Interest Rate

Score3.9

Start Earning on EXMO

EXMO is available in the United States.

EXMO Snapshot

Verified: August 23, 2026

European exchange running since 2014 with 1M+ users and spot trading and earn products.

Pros

Flexible Earn pays daily, compounds automatically, and permits partial withdrawals.
EXMO identifies Gearbox and other DeFi protocols as material yield sources.
Existing fixed contracts retain their agreed rate through maturity after schedule changes.

Cons

Early cancellation of Fixed Earn forfeits all rewards.
Higher fixed rates may require holding substantial amounts of EXM.
DeFi lending adds smart-contract, borrower, and liquidity risks.

EXMO Rates

Earn Rates

Review Yield data below to understand the source of these returns. Click plus to reveal more rate-specific requirements.

BTC Bitcoin: DOWN
LendingShow rate requirements
Flexible Earn rate. Fixed BTC products from 0.3% to 1% APY require 30–180 day terms and tier eligibility and are not included in this row.
0.2% APY
ETH Ethereum: DOWN
LendingShow rate requirements
Flexible Earn rate. Fixed ETH products from 1.5% to 2.7% APY require 30–180 day terms and tier eligibility and are not included in this row.
1.2% APY

Trading Fees

Maker Fee: 0.3%
Taker Fee: 0.3%

Data checked: August 23, 2026

EXMO Bonus

$2 in BTC

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EXMO Calculator

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Amount

Daily

0.00

Weekly

0.00

Monthly

0.00

Yearly

0.00

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Estimates are based on EXMO current APY. Rates are subject to change.

EXMO Yield Scorecard

Yield Mechanics

Exchange: Internal Exchange Business
Yield paid from the platform's operational revenue, including trading fees, market-making spreads, and interest charged to margin traders.

Risk & Custody

Custody Model: Custodial / Third Party
Track Record: Operational since 2014

Access

Lockups: Flexible
Access: Worldwide

Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.

EXMO Review

Quick take

EXMO Earn offers flexible and fixed plans across major cryptocurrencies and stablecoins. Flexible plans pay daily, compound automatically, and allow partial or full withdrawals. Fixed plans offer higher stated rates for 30 to 180 days but pay no reward after an early cancellation. EXMO is more transparent than many exchange programs about using Gearbox and other DeFi lending protocols, though that adds smart-contract and borrower risk.

How earning works

Flexible Earn places supported assets into an open-ended contract. Rewards are calculated daily and added to the contract balance. You can withdraw part or all of the balance, but a full withdrawal can cause the current day’s reward to be skipped.

Fixed Earn locks the balance for 30 to 180 days and pays at maturity. You can cancel the full contract early, but partial withdrawals are unavailable and no reward is paid. Auto-renewal can roll the principal and reward into a new term. EXMO says yield can come from Gearbox lending pools and other protocols such as Aave, Compound, and MakerDAO, plus staking providers. You can compare crypto lending rates and compare stablecoin interest rates.

Rates, fees, and requirements

Rates depend on the asset, term, and market. Better Fixed rates may require holding 50,000 EXM for Standard status or 120,000 EXM for Advanced status. Promotions can also affect the maximum. Existing fixed contracts keep their agreed rate through maturity when EXMO changes the schedule, while flexible rates update.

EEA customers do not receive the higher EXM-based tiers and may have other product restrictions. Check the base rate available with no EXM, exact term, balance cap, and auto-renew setting before committing.

Custody and key risks

EXMO controls the account while external protocols may receive the assets. That combines exchange custody with smart-contract, borrower, protocol-liquidity, and stablecoin risks. Fixed terms also create price and access risk. Holding EXM for a higher rate adds exposure to the exchange token, and an early fixed exit erases all rewards.

Related features

EXMO also offers fiat access, spot and margin trading, and EXM-based fee discounts. These can be useful for an existing account, but a token tier should be evaluated separately from the base Earn return.