What's the APY for my Cash Earn Account, and how does it work?

The APY (Annual Percentage Yield) for Cash Earn Account is dependent on your Level Up tier. If you have not signed up for level up, you will be assigned the same rate as the BASIC tier. Crypto.com Level Up is Crypto.com’s paid subscription / tiered rewards program that bundles enhanced benefits across the Crypto.com ecosystem—such as trading perks, higher rewards, and enhanced rewards yields—into a single membership offering. It is owned, operated, and marketed by Crypto.com, not by Green Dot Bank, but affects the interest rate earned on the Cash Earn Account at Green Dot Bank. Refer to the Level Up FAQ for more details.

The interest earned in your Green Dot Cash Earn Account is swept out and converted to CRO by Crypto.com and credited into your Crypto Wallet. Interest does not remain in, or compound within the Cash Earn Account.

The value of CRO may change, which may affect the amount of CRO converted from the interest earned.

Table1: APY and Interest Rate for Cash Earn (United States) effective as of Jun 1, 2026

	BASIC	PLUS	PRO	PRIVATE
Payout asset	CRO	CRO	CRO	CRO
APY	3.00%	3.25%	3.50%	4.00%
Interest Rate	2.96%	3.20%	3.45%	3.93%

We may, at our discretion, change the APY and interest rate, at any time (whether applicable to the entire month or one or more tiers for that month).

Your average daily balance affects how much you earn in a month. If you make a transfer into your Cash Earn Account before 19:00 PT, the funds transferred will be included within the balance 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, Green Dot Bank calculates your interest based on the average daily balance in your Cash Earn Account. On the first of the following month, Green Dot Bank credits the interest to the Cash Earn Account. The interest earned is then swept out and converted to CRO by Crypto.com at the then-current market rate and paid out in CRO directly to your Crypto Wallet within the first 5 days of the month.

Green Dot Bank has no visibility or control over the sweep of interest into the USD Account and its conversion to CRO by Crypto.com, nor the choice of converting interest into CRO and has no responsibility for any fluctuations in the price of CRO before, during, or after the exchange.

Neither Green Dot Bank, Green Dot Corporation, nor any of their respective affiliates, provide or are responsible for Crypto.com’s products or services, including Level Up, your Crypto Wallet, your USD Account, or the conversion of USD to CRO.

Fees

There are no set up fees, no transfer fees, and no minimum balance fees associated with the USD Cash Earn Account.

How is interest calculated?

The interest is based on your average daily account balance, the number of days in a month and the corresponding APY of your Level Up tier. If you have not signed up for Level Up, you will be assigned the same rate as the BASIC tier.

Your payout is dependent on the following:

Average daily 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.

If you make a transfer into your Cash Earn Account before 19:00 PT, the balance transferred will count towards your daily balance.

If I move funds in or out of the Cash Earn Account in the middle of the month, how is the APY calculated?

The interest is paid monthly on the average daily balance in the Cash Earn Account, if the account is in good standing.
If you transfer funds into the Cash Earn Account before the cut-off time of 19:00 PT, you will earn APY for that calendar day.
If you transfer funds after the cut-off time of 19:00 PT, you will earn APY from the next calendar day.

What happens when I upgrade my Level Up tier?

When 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).

What happens when my Level Up subscription ends?

Your current APY will apply until the last calendar day of your current billing cycle. After your current billing cycle, you will earn the APY of the BASIC tier. You can resubscribe at any time to a higher tier.

How much have I earned from my Cash Earn Account?

1. To view how much you have earned you will need to navigate to the Cash Earn Account screen. Tap on the ≡ Menu button > Cash, OR tap Accounts > Cash Earn.	2. To view the sum total of the interest that has been earned since the opening of your Cash Earn Account, refer to the “All-time earnings of $X” section. 3. To view the pending interest for the current calendar month, refer to the “Pending APY:

In what asset will interest be paid out?

The interest amount that you have earned for each calendar month is paid out in USD and then swept out from the Cash Earn Account and automatically converted to CRO by Crypto.com based on the prevailing USD to CRO market rate at the time of the payout. The CRO will be paid directly into your Crypto wallet within the first 5 days of the month.

How often are interest payments made?

Interest payments are made monthly. The interest earned in your Cash Earn Account is swept out and automatically converted to CRO by Crypto.com and paid directly to your Crypto Wallet within the first 5 days of the next calendar month.

Example: If you have funded your Cash Earn Account between 1 March to 31 March 2025, the CRO for the month of March will be paid out within the first 5 days of April 2025.

Where can I view the details of my CRO payout?

To view the details of your CRO payout from the Cash Earn Account screen, refer to the steps below.

Navigate to your Cash Earn Account Screen. Tap on the ≡ Menu button > Cash, OR tap Accounts > Cash Earn.
On the Cash Earn screen, tap on Cash Earn APY.
On the Cash Earn details screen you will find relevant information regarding the payout.

2. On the Cash Earn screen, tap on ‘Cash Earn Rewards (APY earned)’.	3. On the Cash Earn details you will find relevant information regarding your interest payout.

To view the payout from the Crypto Wallet follow these steps:

Navigate to your CRO Balance screen. 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 converted interest payout.