Ethereum remains one of the most widely held cryptocurrency assets, and even in 2026, many users are looking for ways to earn on ETH without staking the network or locking their funds in DeFi protocols for the long term. Savings accounts offer a simpler alternative: predictable APY, daily payouts, and minimal operating overhead.
Here is a review of the major platforms where you can earn ETH returns in 2026, including Clapp, Nexo, Bitget, and Coinbase.
ETH Savings Account: Clapp vs. Nexo vs. Bitget vs. Coinbase
characteristic | clap | nexus | bitget | coinbase |
ETH return type | Flexible daily APY; Fixed period annual interest rate | Daily interest per level | Flexible and fixed savings products | Staking-Based ETH Rewards |
ETH return (moderate) | Flexibility: Up to 4,2% APY; Fixed: Up to 6% APR | Depends on loyalty level and payment method. | Depends on market conditions and promotions | Lower protocol-based staking returns |
Payment Frequency | daily, compound interest | daily or monthly | Depends on product | Staking rewards distributed regularly |
liquidity | Immediate for flexibility; Fixed lock-up | It’s flexible, but the highest rates require a loyalty level. | Flexible or fixed depending on product | Staking lockups may apply depending on the region. |
Fee Transparency | Clear rates displayed before deposit or term selection | Depends on tier and token rewards | Rates vary. Availability varies. | Determined by protocol-level staking rewards |
Additional Requirements | doesn’t exist | Holding NEXO tokens increases the rate. | Promotional products may require appointments. | No additional requirements |
Best suited for | Users who want simple and predictable ETH returns with daily payouts | Users who wish to participate in a token-based layer | Traders profiting from exchange balances | Users who prioritize regulated storage and ease of use |
Clapp offers flexible daily returns with instant liquidity
Clapp has placed ETH savings at the center of its product line. The platform focuses on accessibility, predictable returns, and daily interest calculations. ETH holders can choose between Flexible Savings, which offers full liquidity, or Fixed Savings, which locks in the interest rate when you sign up.
ETH return structure
Flexible Savings: Up to 4,2% APY, calculated and paid daily.
Fixed Savings: Up to 6% APR for 1-12 months.
Daily compounding on flexible savings increases total returns over time, while fixed savings offer a guaranteed interest rate regardless of market conditions. Depositing ETH is simple. Users select a deposit type and monitor its growth through daily payouts.
Clapp also supports EUR, stablecoins, and BTC under the same roof, making it easy for ETH holders to balance their return strategies across multiple assets. There are no loyalty levels or token-based reward systems, so rate predictions remain accurate and simple.
Nexo: Tier-based ETH returns with token incentives
Nexo remains one of the best-known platforms for cryptocurrency interest accounts that offer daily interest on ETH. Fees vary depending on the amount of NEXO tokens held in the account and the associated user loyalty level. Users who choose to receive payouts from NEXO typically unlock higher rates.
ETH return structure
This tiered system gives users flexibility, but makes profits difficult to predict. ETH holders comparing platforms should consider the additional steps of maintaining tier status, which impacts both returns and liquidity strategies.
Bitget: ETH savings through savings products
Bitget offers ETH yields through its Earn product with flexible lock-in period options. Rates change frequently depending on liquidity needs and ongoing promotional campaigns.
ETH return structure
Bitget appeals to users already active in the trading ecosystem who want to make profits without moving their funds outside of the exchange. However, returns vary depending on market conditions and fixed term products are not always available.
Coinbase: Low-risk ETH rewards with limited yield
Coinbase primarily offers ETH rewards through staking, but in some regions you can access simplified yield products. Compared to dedicated savings platforms, Coinbase’s ETH yields are conservative. This is ideal for users who prioritize regulated infrastructure over maximizing profits.
ETH return structure
Staking-based ETH returns are generally lower than savings platforms.
Rate adjustments follow protocol-level staking returns.
Coinbase is often chosen by users who want institutional protection and minimal operational steps. For those looking for higher daily returns or a more flexible structure, ETH returns may feel limited.
conclusion
In 2026, ETH holders have several options to earn daily returns, each with different liquidity, transparency, and expected returns.
Clapp offers one of the simplest ETH saving experiences with daily payouts, a clear APY structure, and optional lock-in periods for guaranteed returns.
Nexo offers daily returns, but ties the best rates to a tiered rewards program and native token incentives.
Bitget offers flexible, fixed-period ETH yields within its trading ecosystem.
Coinbase focuses on stability and regulatory coordination, but offers low returns.
For users who prioritize predictable daily returns with minimal complexity, Clapp stands out as the most direct and accessible ETH savings option for 2026.
Disclaimer: This article is provided for informational purposes only. It is not provided or intended to be used as legal, tax, investment, financial or other advice.