Updated Rules checked 2026-10-13
The advertised APR on a USDT flexible savings product usually applies only to the first small slice of your balance. Bybit shows 6.87%, but only the first 200 USDT earns it and anything above that earns 1.87%; Bitget’s 7.50% stops at 300 USDT, and so does BingX’s 8.00%. Put 10,000 USDT in, and the annual rate on the whole amount works out to about 1.97%, 2.98% and 1.21% at these three exchanges.
I put the USDT flexible products of the 13 exchanges this site covers into one table and, using each exchange’s published rate tiers, calculated the “effective rate” on the whole amount for 1,000, 10,000 and 50,000 USDT. In this 2026-10-13 snapshot, the higher results at 1,000 USDT were XT (5.65%), Ourbit (5.00%) and WEEX (4.80%); at 50,000 USDT the order is completely different, with MEXC’s Earn Plus (5.87%), WEEX (3.53%) and Ourbit (3.04%) coming out higher.
These are all the exchanges’ own earn products, not bank deposits, and the rates change every day or even every minute. Below is the summary table first, then why the advertised rate and the rate you actually get differ, and finally the risks.
Key points: in the 2026-10-13 snapshot, 7 of the 13 exchanges use tiered rates for USDT flexible savings, and the top rate covers only the first 200 to 1,000 USDT (MEXC’s Earn Plus works the other way: the larger the amount, the higher the tier rate). Take Bybit: its advertised 6.87% APR applies only to the first 200 USDT, anything above that earns 1.87%, and 10,000 USDT as a whole actually earns about 1.97%. With 10,000 USDT, the annual rate on the whole amount, calculated from the official tiers, ranges from 0.48% (MEXC standard flexible) to 5.35% (MEXC Earn Plus). Binance Simple Earn Flexible shows a real-time APR of 2.40%, with no tiers and interest accrued every minute. OKX’s flexible market rate is shown as 3.50%; OKX takes 15% of the earnings, so you get about 2.98%. New users also get a 10% bonus on the first 500 USDT for 180 days. HTX shows 10.00% APY for flexible savings, but its tiers and limits are visible only after logging in, so it is not included in the calculations.
The data below was checked against official pages on 2026-10-13 (the verification date) and is provided for your reference.
Which exchange pays more on USDT flexible savings? 13 exchanges compared
In the table, “Advertised rate” is the most prominent number on the earn page; “1,000 / 10,000 / 50,000 USDT” is the annual rate on the whole amount that I calculated from each exchange’s tier rules (the method is in the next section). All of these are products a regular user (not a new user, not VIP) can subscribe to; new-user and VIP products are listed below the table. All snapshots are from 2026-10-13, except XT, which is from 2026-10-12. The table compares USDT only; flexible savings rates for USDC and other stablecoins are outside the scope of this data.
| Exchange | Product | Advertised rate | Tier rules | 1,000 USDT | 10,000 USDT | 50,000 USDT | Interest and redemption | Source (snapshot date) |
|---|---|---|---|---|---|---|---|---|
| Binance | Simple Earn Flexible | 2.40% | No tiers; USDT currently has no Bonus Tiered APR | 2.40% | 2.40% | 2.40% | Interest accrues every minute; instant redemption, but with a daily limit | Binance Simple Earn (10-13) |
| OKX | Simple Earn (flexible) | 3.50% (market rate) | No tiers for regular users; OKX takes 15% of earnings | 2.98% | 2.98% | 2.98% | Interest calculated hourly; redemptions may be temporarily restricted when the pool is fully lent out | OKX Simple Earn (10-13) |
| Bybit | Flexible Savings | 6.87% | 0–200 USDT 6.87%; above 200, 1.87% | 2.87% | 1.97% | 1.89% | Minimum 1 USDT | Bybit official API (10-13) |
| Bitget | Flexible (floating rate) | 7.50% | 0–300 USDT 7.50%; above 300, 2.84% | 4.24% | 2.98% | 2.87% | Interest starts at 00:00 (UTC+8) the next day and is credited the day after; redeem anytime | Bitget Savings (10-13) |
| MEXC | Flexible | 6.00% | 0–200 USDT 6.0%; 200–500, 2.5%; above 500, 0.3% | 2.10% | 0.48% | 0.34% | Minimum 1 USDT; redeem anytime | MEXC Earn (10-13) |
| MEXC | Earn Plus | 11.00% | 0–1,000 USDT 4.0%; 1,000–10,000, 5.5%; 10,000–50,000, 6.0%; 50,000–100,000, 6.5%; 100,000–110,000, 11.0%; above 110,000, 2.0% | 4.00% | 5.35% | 5.87% | Minimum 1 USDT; no subscription cap | |
| Gate | Flexible (lending match) | 2.35% (estimated) | Base rate not tiered; bonus campaign tiers set per campaign | 2.35% | 2.35% | 2.35% | Matched and paid hourly; interest auto-compounds | Gate official API (10-13) |
| BingX | Flexible | 8.00% | 0–300 USDT 8.00%; above 300, 1.00% | 3.10% | 1.21% | 1.04% | Redeem anytime; can be used as futures margin | BingX Earn (10-13) |
| KuCoin | Simple Earn (flexible) | 1.30% | No tiers | 1.30% | 1.30% | 1.30% | Redeem anytime | KuCoin Earn (10-13) |
| HTX | Flexible | 10.00% (APY) | Labeled “APY Boost”; tiers and limits visible only after logging in | Not calculated | Not calculated | Not calculated | Subscribe at hour T, interest from T+1, credited at T+2, compounded hourly | HTX Earn (10-13) |
| XT | Flexible | 12.00% | 0–200 USDT 12%; 200–500, 7%; above 500, 2.3% | 5.65% | 2.63% | 2.37% | Minimum 0.1 USDT; interest auto-compounds | XT Earn (10-12) |
| WEEX | Auto Earn | 10.00% | 0–200 USDT 10%; 200–500,000, 3.5% | 4.80% | 3.63% | 3.53% | No transfer needed; idle balances in spot, futures and funding accounts all count; paid the next day | WEEX Auto Earn (10-13) |
| Pionex | USDT flexible | 1.92% (next-period estimate) | No tiers; 7-day average 2.04% | 1.92% | 1.92% | 1.92% | Interest calculated hourly | Pionex Earning (10-13) |
| Ourbit | Spot Simple Earn | 5.00% | 0–1,000 USDT 5%; 1,000–50,000, 3%; above 50,000, 0.5%; minimum holding 10 USDT | 5.00% | 3.20% | 3.04% | Assets not locked; counted from the next day, daily snapshots | Ourbit Simple Earn (10-13) |
| Ourbit | Futures Simple Earn | Base 3.00% (up to 8.00%) | No position requirement for the base rate; the bonus above it depends on futures positions; minimum holding 100 USDT | 3.00% | 3.00% | 3.00% | Interest accrues daily, paid the next day | Ourbit Futures Simple Earn (10-13) |
The OKX figures in the table are after the 15% cut (3.50% × 85% ≈ 2.98%). For Ourbit Futures Simple Earn I only count the base 3.00%, because the position bonus depends on each person’s futures positions; the funds sit in the futures account, and leveraged positions may still be force-liquidated. WEEX’s Auto Earn page only goes up to 500,000 USDT; what happens above that is not stated officially.
New-user and eligibility-restricted products are not in the main table: OKX gives new users a 10% APR bonus on the first 500 USDT for 180 days; WEEX’s new-user Auto Earn pays 100% on the first 200 USDT and 3.5% above that; HTX also has an SVIP-only flexible product at 9.00%. Bitget’s earn page shows “4.00%~8.00%” for USDT. That range comes from a separate fixed-rate flexible product (8% on the first 300,000 USDT, 4% above), but the official public page does not state who can subscribe and you have to log in to see it, so the main table only lists the floating-rate flexible product that everyone can subscribe to.
Why is the advertised rate different from what you get?
Tiered rates. The exchange uses its highest tier as the advertised rate, but that tier applies only to the first small slice of your balance, and the rest of your principal earns the next tier’s rate. Take 10,000 USDT in Bybit as an example:
- First 200 USDT × 6.87% = 13.74 USDT
- Remaining 9,800 USDT × 1.87% = 183.26 USDT
- Total for one year: 197.00 USDT; 197.00 ÷ 10,000 = 1.97%
Advertised at 6.87%, the whole amount actually earns 1.97%, a gap of nearly 4.9 percentage points. The larger the amount, the closer the overall rate gets to the lowest tier: with 50,000 USDT, Bybit comes to 1.89%, and MEXC standard flexible is only 0.34%, because everything above 500 USDT earns just 0.3%.
MEXC’s Earn Plus is the opposite case: the first 1,000 USDT earns only 4.0%, and the tier rate rises as the amount grows, so 50,000 USDT works out to about 5.87% overall. Even at the same exchange, the product that suits a small amount may not be the one that suits a large amount. All calculations in the table assume the rates stay the same for a year. In reality floating rates change every day, so these numbers are only for comparing tier structures and are not a guarantee of returns.
MEXC’s interface data shows where rates this high come from: its flexible rate is a “base rate of 0.1%” plus a “tiered subsidy”. The first 200 USDT gets a 5.9% subsidy, for 6.0% in total; 200 to 500 USDT gets 2.4%, for 2.5% in total; above 500 USDT the subsidy is only 0.2%, for 0.3% in total. The high front-tier rate is subsidized by the platform, and when the subsidy changes, the advertised rate changes with it.
Another difference is how the exchange takes its cut. OKX flexible savings lends your USDT to borrowing and margin users, and its official FAQ states that hourly earnings = subscription amount × APR ÷ 365 ÷ 24 × 85%, meaning the platform takes 15%. The pages of the other 12 exchanges do not mention a similar cut, so the table uses their advertised rates directly.
Above what amount does a tiered product fall behind an untiered one?
The overall rate of a tiered product falls as the amount grows, so at some amount it drops below an untiered product. I used Binance Simple Earn Flexible’s 2.40% (no tiers, no cut) as the reference line and calculated each tiered product’s “crossover point”: once your principal goes above that amount, the overall rate is below 2.40%.
Take BingX, with principal A: 300 × 8% + (A − 300) × 1% = A × 2.40%, which simplifies to 21 = 0.014A, so A = 1,500 USDT. In other words, above 1,500 USDT, BingX flexible savings earns less overall than Binance’s 2.40%.
| Product | Amount at which the overall rate drops below 2.40% | Reason |
|---|---|---|
| MEXC standard flexible | About 857 USDT | Only 0.3% above 500 USDT |
| BingX flexible | 1,500 USDT | Only 1.00% above 300 USDT |
| Bybit Flexible Savings | About 1,887 USDT | Only 1.87% above 200 USDT |
| XT flexible | About 33,500 USDT | 2.3% above 500 USDT, slightly below 2.40% |
| Ourbit Spot Simple Earn | About 66,842 USDT | Only 0.5% above 50,000 USDT |
| MEXC Earn Plus | About 1.27 million USDT | 2.0% above 110,000 USDT |
| Bitget flexible | Never drops below | Still 2.84% above 300 USDT |
| WEEX Auto Earn | Does not drop below up to 500,000 USDT | Still 3.5% above 200 USDT |
Put another way, the high rates of Bybit, BingX and MEXC standard flexible suit small amounts of a few hundred USDT; once you put in a few thousand USDT or more, the rates from the second tier onward decide what you actually get. When comparing, check the rate of the “last tier” first, then the advertised rate.
How much does 10,000 USDT in flexible savings earn per month?
Divide the annual interest from the table above by 12 and you get the average monthly interest, assuming rates stay the same. Based on 10,000 USDT:
| Exchange and product | Annual interest (USDT) | Monthly average (USDT) |
|---|---|---|
| MEXC Earn Plus | 535.00 | 44.58 |
| WEEX Auto Earn | 363.00 | 30.25 |
| Ourbit Spot Simple Earn | 320.00 | 26.67 |
| Ourbit Futures Simple Earn (base) | 300.00 | 25.00 |
| Bitget flexible | 297.98 | 24.83 |
| OKX flexible (after 15%) | 297.50 | 24.79 |
| XT flexible (10-12 snapshot) | 263.50 | 21.96 |
| Binance Simple Earn Flexible | 240.00 | 20.00 |
| Gate flexible | 235.00 | 19.58 |
| Bybit Flexible Savings | 197.00 | 16.42 |
| Pionex flexible | 192.00 | 16.00 |
| KuCoin flexible | 130.00 | 10.83 |
| BingX flexible | 121.00 | 10.08 |
| MEXC standard flexible | 48.00 | 4.00 |
Between the highest and the lowest, the gap is about 40 USDT a month. If you spread funds across several exchanges and fill each top-rate tier (for example 200 USDT at Bybit, 200 at XT and 300 at Bitget), the overall rate will be higher than putting everything in one place; but every extra exchange adds another platform risk, which you have to weigh yourself.
If you only park funds for a few days, how do interest start times differ?
Even at the same annual rate, different rules for when interest starts and when it is settled mean a short stay of a few days can earn different amounts. The rules stated in the official FAQs are:
- By the minute: Binance’s real-time APR interest accrues in your Earn wallet every minute and starts as soon as you subscribe.
- By the hour: OKX calculates earnings every hour; HTX starts interest at hour T+1 for a subscription at hour T and credits it at T+2; Gate matches once an hour, interest on funds lent at hour T is paid at T+1, and if you redeem before a full hour you do not get interest for that hour; Pionex also calculates interest hourly.
- By the day: Bitget’s daily-settled products start interest at 00:00 (UTC+8) the day after you subscribe and credit it to your spot account the day after that; Ourbit counts from the next day with daily snapshots, and Futures Simple Earn uses the lowest of several snapshots during the interest period as the principal; WEEX Auto Earn pays the next day.
So if the money will only stay a day or two, a daily-accrual product may be redeemed before it starts earning interest. Bitget’s FAQ also says interest stops the moment you submit a redemption request, and at MEXC the principal likewise stops earning interest once you request redemption. If the money will stay for a long time, the start rules matter very little; what matters is the overall rate after tiers.
What are the fixed-term rates?
Fixed-term rates are usually higher than flexible rates, but redeeming early may cost you the interest. The table below lists only USDT fixed-term products that regular users can subscribe to and whose official pages clearly state the term and rate, as of the 2026-10-13 snapshot:
| Exchange | Term and annual rate | Notes |
|---|---|---|
| BingX | 7 days 3.20%, 30 days 3.80%, 60 days 4.00%, 90 days 4.20%, 180 days 4.50% | Also a limited-time 90-day product at 5.60% (one subscription only) |
| KuCoin | 7 days 1.80%, 14 days 2.20%, 35 days 2.80%, 90 days 3.00%, 180 days 3.60%, 365 days 4.10% | Also a 7-day product for new users |
| OKX | 90 days 4.00% | Shown as sold out on the verification date |
| Bitget | 7 days 1.30% | VIP users also get 7 days 3.00% and 14 days 3.20% |
Bitget’s FAQ states that some fixed-term products can be redeemed early but you may lose the interest, and at maturity the principal moves into flexible savings automatically. Fixed-term products at the other exchanges are mostly limited-time campaigns or require logging in to see the terms, so they are not included this time.
What are the risks of USDT flexible savings?
Flexible savings is often treated as “leave it there and collect interest”, but it is a different thing from a bank savings account. Here are five things to know first:
- It is not a bank deposit and has no deposit insurance. The money sits on an offshore exchange, and if the platform runs into trouble there is no mechanism like Taiwan’s Central Deposit Insurance Corporation (CDIC); Binance’s own FAQ also says you may lose principal in extreme market conditions. Some pages say “principal protected”, but that is the platform’s own claim, not third-party insurance.
- Platform risk. The interest mostly comes from lending to margin or borrowing users (the OKX and MEXC FAQs both say so), and the exchange’s own operations and security determine whether your principal is safe. For each exchange’s reserve ratio, see exchange proof of reserves compared; for records of hacks and withdrawal halts, see exchange safety record.
- Rates change at any time. Binance’s real-time APR can change every minute, and OKX’s and Gate’s flexible rates are set by hourly borrowing demand. Today’s snapshot does not represent tomorrow.
- High rates usually come with a cap or a time limit. New-user bonuses (OKX 180 days, WEEX first 200 USDT), APR boost coupons and limited-time campaigns all end, and after that only the base rate remains.
- “Redeem anytime” has exceptions too. Binance flexible savings has a daily redemption limit; OKX states that when the pool is fully lent out, redemptions may be temporarily restricted or suspended; Gate also mentions that redemptions may be credited late when volume is high. For products that earn interest in the futures account (for example Ourbit Futures Simple Earn), the principal shares margin with your futures positions, and leveraged positions may be force-liquidated.
How was this data collected?
Many exchanges load their earn pages with JavaScript, so I read the public endpoints that the official earn pages themselves call, then checked them against the numbers shown on the pages and the FAQs. The data sources for each exchange are:
- Binance:
bapi/earn/v1/friendly/finance-earn/simple/product/simpleEarnProducts?asset=USDT; Bybit: official V5 API/v5/earn/product?category=FlexibleSaving&coin=USDT; OKX: official V5 API/api/v5/finance/savings/lending-rate-summary?ccy=USDTand the earn page’spriapi/v1/earn/simple-earn/all-products. - Gate: official V4 API
/api/v4/earn/uni/rate(the official website could not be opened from the verification environment, so the current tiers of the bonus campaign were not found); Bitget:v1/finance/savings/product/list; MEXC:api/financialactivity/financial/products/list/V2. - BingX:
wealth-sales-trading/v1/product/list, loaded by the earn page; KuCoin:_pxapi/pool-staking/v5/currencies-products; HTX:hbg/v4/saving/mining/web/home/main; Pionex:staking/v1/products; Ourbit:api/operateactivity/staking?zone=HOLD. - XT and WEEX: numbers read from the official earn pages. XT could not be opened because of regional restrictions during the 2026-10-13 check, so the table uses the 2026-10-12 snapshot.
All tier calculations use the “marginal tier” method: each tier’s amount is calculated only at that tier’s rate, then the results are added up and divided by the principal. The official endpoints list only each tier’s amount range and rate, with no worked example tier by tier, so this is my own calculation method; the amount actually credited is whatever each exchange’s account shows.
History
This page is updated once a month, and new snapshots are added here so you can compare how rates move over time.
- 2026-10-13 snapshot: 15 products across 13 exchanges (two each for MEXC and Ourbit); HTX not calculated because its tiers require logging in; XT figures are from 2026-10-12. Overall annual rate on 10,000 USDT ranges from 0.48% to 5.35%; untiered: Binance 2.40%, Gate 2.35%, KuCoin 1.30%, Pionex 1.92%; OKX about 2.98% after the 15% cut.
FAQ
Which exchange has the highest USDT flexible rate?
It depends on how much you put in. Calculated on the whole amount from the official tiers on 2026-10-13, the higher results at 1,000 USDT were XT (5.65%) and Ourbit (5.00%), and at 50,000 USDT, MEXC Earn Plus (5.87%) and WEEX (3.53%). For the products with the highest advertised rates, the top rate usually covers only the first 200 to 1,000 USDT, so going by the advertised number alone will lead you to the wrong choice.
What is the Binance Simple Earn Flexible APR?
On 2026-10-13, the real-time APR for Binance USDT Simple Earn Flexible was 2.40%, with no tiers and a minimum subscription of 0.01 USDT. The real-time APR can change every minute, and interest accrues in your Earn wallet every minute; Binance occasionally adds a Bonus Tiered APR, but USDT had none on the verification date.
What is the OKX Simple Earn USDT rate?
On 2026-10-13, the USDT market rate for OKX Simple Earn flexible was 3.50%. OKX takes 15% of the earnings, so you get about 2.98%. New users also get a 10% bonus on the first 500 USDT for 180 days; whether the 15% is also deducted from that 10% is not stated on the official page.
What is the Bybit USDT savings rate?
On 2026-10-13, Bybit Flexible Savings paid 6.87% on the first 200 USDT and 1.87% on the amount above that. So 1,000 USDT comes to about 2.87% overall and 10,000 USDT to about 1.97%, with a minimum subscription of 1 USDT.
What is the difference between APR and APY?
APR is an annual rate without compounding, while APY already includes compounding, so for the same underlying rate the APY figure is larger than the APR. Most exchanges in the table show APR, while HTX shows APY (compounded hourly), so the two cannot be compared directly.
Can you lose money in USDT flexible savings?
Yes, you can. Exchange flexible savings is not a bank deposit and has no deposit insurance; Binance’s Simple Earn FAQ also states that you may lose principal in extreme market conditions. On top of that, a platform hack, a withdrawal halt or a fully lent-out pool can all leave you temporarily unable to get your money back.
How often do flexible rates change?
It varies by exchange, anywhere from every minute or every hour to every day. Binance’s real-time APR can change every minute; OKX and Gate rates follow hourly borrowing demand; Bitget’s FAQ says some products’ rates float with the market and the daily interest is only an estimate. Tier thresholds and bonus campaigns also get adjusted, which is why this page updates its snapshot once a month.
How long do new-user high rates last?
They usually come with a cap or a time limit, after which you are back on the regular rate. The OKX new-user bonus covers 500 USDT for 180 days; WEEX’s 100% new-user Auto Earn applies only to the first 200 USDT; HTX, KuCoin and BingX also have 7-day fixed-term products limited to new users. BingX’s, for example, is limited to new users within 30 days of registration and can be subscribed to only once.
To look at the exchanges’ own risks first, read exchange proof of reserves compared and exchange safety record. Sign-up steps and referral codes for each exchange are collected in the crypto exchange referral codes hub, for example the Binance referral code, OKX referral code, Bitget referral code, MEXC referral code, WEEX referral code, XT referral code and Ourbit referral code (Ourbit spot trading is currently fee-free, so there is no rebate on spot); for Bybit’s rebate option, see Bybit fee rebate. To withdraw USDT to another exchange, check the USDT withdrawal fee comparison first; for trading costs, see lowest-fee crypto exchanges.