What's the APY for my Cash Earn Account, and how does it work?
The APY for Cash Earn Accounts is dependent on your Level Up tier. The APY is paid out in CRO into your Crypto Wallet.
The value of CRO may change, which may affect your APY.
Table 1: APY for USD Cash Earn (United States) effective as of Sep 2, 2025.
| Payout asset | BASIC | PLUS | PRO | PRIVATE (i) | PRIVATE (ii) | PRIME |
Deposit cap on Enhanced APY |
| N/A | $10,000 | $50,000 | $250,000 | $500,000 | $1,000,000 |
Enhanced APY | CRO | 1.5% | 4.5% | 5.0% | 5.0% | 5.0% | 5.5% |
Standard APY | CRO | 1.5% | 4.1% | 4.1% | 4.1% | 4.1% | 4.1% |
We may, at our discretion, change the APY, at any time (whether applicable to the entire month or one or more tiers for that month).
The Enhanced APY is applied to your balance up to the deposit cap, the Standard APY will apply to the remaining portion of your balance.
Your daily balance determines how much you earn for that day. If you make a transfer before 9:00 PM CST, the funds transferred will be counted toward the APY on that same day. Keep in mind that changes to your balance, the number of days in the month, or the rate can all impact your total monthly payout.
At the end of each month, we calculate your total earnings. Within the first five days of the new month, we'll pay out your APY earnings directly to your Crypto Wallet. The APY earnings are paid out in CRO, converted from USD at the current market rate.
In the scenario that you upgrade your Level Up tier, you will be eligible for the APY based on your new Level Up tier. The new rates will take effect from the next calendar day (PST/PDT).
Example:
A user on PRO, opens a Cash Earn Account and makes a transfer of $100,000 to the USD Cash Earn Account.
User’s Level Up Tier | PRO |
Deposit cap on Enhanced APY | $50,000 |
Enhanced APY | 5.0% |
Standard APY | 4.1% |
Cash Earn Account balance | $100,000 |
The user will earn 5% APY on the first $50,000 and 4.1% APY on the remaining $50,000 |
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Neither Green Dot Bank, Green Dot Corporation, nor Visa U.S.A., nor any of their respective affiliates, provide or are responsible for Crypto.com’s product or service, including Level Up.
Fees
There are no set up fees, no transfer fees, and no minimum balance fees associated with USD Cash Earn Accounts (United States).
In what asset will the APY earnings be paid out?
The APY amount is paid out in CRO. The APY amount that you have earned for each calendar month will be automatically calculated based on the prevailing USD to CRO market rate at the time of the payout. The CRO will be paid into your Crypto wallet.
How is APY calculated?
The APY is based on your daily account balance and the corresponding APY of your Level Up tier. Your CRO will be paid out within 5 days of the next calendar month.
Your payout is dependent on the following:
Balance in your Cash Earn Account.
Duration that funds have been held in the Cash Earn Account.
Your Level Up tier. Refer to crypto.com/levelup for more details
CRO is paid monthly on the average daily balance in the Cash Earn Account, if the account is in good standing.
If you make a transfer into your Cash Earn Account before 21:00 CST (UTC-6), the balance transferred will count towards your monthly APY.
Your payout can vary from month to month. For example, months with a different number of days can have slightly different payouts, even if the account balance and APY are unchanged. Likewise, if the APY or account balance changes, this will result in a different monthly payout.
If you currently have a USD Cash Earn Account, you can see what you’re on track to earn this month by going to your USD Cash Earn Account and view the “pending APY” section. View How much have I earned from my Cash Earn Account? for more details.
How can I estimate my monthly rewards payout?
The following is an example calculation for a user on PRO with a balance of $100,000 that is held in their Cash Earn Account for 30days.
User’s Level Up Tier | PRO |
Deposit cap on Enhanced APY | $50,000 |
Enhanced APY | 5.0% |
Standard APY | 4.1% |
Cash Earn Account balance | $100,000 |
A user on PRO benefits from:
Enhanced APY: Earn 5% APY on up to $50,000 of the Cash Earn Account balance.
Standard APY: Earn 4.1% APY on the rest of the Cash Earn Account balance up to the deposit balance cap.
Each Level Up tier has a deposit cap on enhanced rates (refer to table 1) which has been translated into a ‘Monthly cap on enhanced yield’ table shown below.
Table 2: Monthly cap on enhanced APY (effective as of Sep 2, 2025).
Tier | Deposit Cap on Enhanced yield | Enhanced APR | Standard APR | Calculation | Monthly cap on enhanced yield |
Basic | NA | 1.5% | 1.5% | NA | NA |
Plus | $10,000 | 4.5% | 4.1% | (0.4%*$10000/365)*30 | $3.29 |
Pro | $50,000 | 5% | 4.1% | (0.9%*$50000/365)*30 | $36.99 |
Private (i) | $250,000 | 5% | 4.1% | (0.9%*$250000/365)*30 | $184.93 |
Private (ii) | $500,000 | 5% | 4.1% | (0.9%*$500000/365)*30 | $369.86 |
In Table 2 above, APY has been converted to APR.
Daily APR=[(1+APY)1/365−1]×365
5% APY = 4.89% APR
4.5% APY = 4.41%APR
4.1% APY = 4.02% APR
1.5% = 1.49% APR
0.90% APY = 0.90% APR
Calculation of monthly (30 days) cap on enhanced yield for the PRO tier.
(Enhanced APR - Standard APR) * Deposit Cap / 365 * 30
(4.89% - 4.02%) * $50,000 / 12 = $36.25
Payout Calculation Process:
Daily APR:
Enhanced Rate Calculation: The daily enhanced APR for up to $50,000 is calculated as follows:
Daily Enhanced APR = 0.87%*$100,000/365 = $2.38
Standard Rate Calculation: The daily standard APR on the entire $100,000 balance is:
Daily Standard APR = 4.02%*$100,000/365 = $11.01
APR Calculation for Days 1-16:
A user will earn a total of $13.39 per day during this period, composed of $11.01 from the standard rate and an additional $2.38 from the enhanced rate.
The cumulative enhanced yield will reach the cap of $36.25 by day 15.
APR Calculation for Days 17-30:
Once the cap is reached on day 15, we will hold this rate for an additional day and from day 17 onward, only the Standard APR of $11.01 per day will apply to the user’s balance.
Summary of Monthly Payout:
Days 1-16: A user earns $13.39 per day, which totals $214.24
Days 17-30: A user earns $11.01 per day, which totals $154.14
Monthly Total: The total payout for the 30-days amounts to $368.38
Convert $368.38 USD to CRO based on the current market rate to estimate the payout in CRO.
This is a hypothetical calculation provided for reference only. Actual payouts may vary based on conditions such as daily balance changes and applicable terms.
How often are APY earnings issued?
APY earnings are issued once a month in CRO. You’ll receive the CRO within the first 5 days of the next calendar month.
Example:
If you have made a transfer into your Cash Earn Account between March 1 to March 31 2025, the CRO for the month of March will be paid out within the first 5 days of April 2025.
How much have I earned from my Cash Earn Account?
To view how much you have earned you will need to navigate to the Cash Earn Account page. Tap on the ≡ Menu button > Cash, OR tap Accounts > USD Cash Earn.
To view the sum total of CRO paid out for the APY that have been issued since the opening of your Cash Earn Account, refer to the “All-time earnings of $X” section.
To view the pending APY for the current calendar month, refer to the “Pending APY: $X” section.
1. To view how much you have earned you will need to navigate to the Cash Earn Account page. Tap on the ≡ Menu button > Cash, OR tap Accounts > USD Cash Earn.
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2. To view the sum total of rewards that have been issued since the opening of your Cash Earn Account, refer to the “All-time earnings of $Y” section. |
3. To view the accrued rewards for the current calendar month, refer to the “Pending APY: $X” section. |
Where can I view the details of my CRO payout?
The APY is paid out in CRO, to view the details of your payout refer to the steps below.
To view your payout from the Cash Earn page follow these steps:
Navigate to your Cash Earn Account page. Tap on the ≡ Menu button > Cash, OR tap Accounts > USD Cash Earn.
On the Cash Earn page, tap on Cash Earn APY.
On the Cash Earn details page you will find relevant information regarding the payout.
2. On the Cash Earn page, tap on Cash Earn Rewards (APY amount earned). | 3. On the Cash Earn details you will find relevant information regarding your APY payout.. |
To view your payout from the Crypto Wallet follow these steps:
Navigate to your CRO Balance page. Tap on the ≡ Menu button > Crypto Wallet, then tap CRONOS.
On the CRO Balance page, tap on Cash Earn APY.
On the details page you will find relevant information regarding your APY payout.
2. On the CRO Balance page, tap on Cash Earn APY.
| 3. On the details page you will find relevant information regarding the APY payout. |