# How does this compare to the daily interest on my BTC Savings account?

> Your BTC Savings account and the BTC Credit Fund are designed to meet different financial goals and its crucial to understand their distinct risk profiles   

Source: https://customersupport.xapo.com/en_us/how-does-this-compare-to-the-daily-interest-on-my-btc-savings-account-Sy21RkHhbl

Last updated: 2026-04-09T09:16:14.484Z

Your BTC Savings account and the BTC Credit Fund are designed to meet different financial goals, and it's crucial to understand their distinct risk profiles.

*   **BTC Savings Account:** This account is designed for low-risk, daily earnings and provides immediate access to your funds. It's important to note that the daily interest applies to balances up to a maximum of 2 BTC. It offers a straightforward way to earn a return on your Bitcoin with minimal risk.
    
*   **BTC Credit Fund:** This is an investment product that aims for higher returns (targeting 2-4%\* net annually). By investing in the fund, you are taking on investment risk, which means the value of your investment could go down as well as up. The potential for higher returns comes with this increased risk compared to your BTC Savings account.
    

Think of it this way: your Savings account is for stable, daily growth on your everyday Bitcoin holdings, while the Credit Fund is a strategic investment for a portion of your wealth where you are comfortable taking on more risk for the potential of a higher yield.

  

_\*2–4% APY is a targeted return and represents a forward-looking projection, not a guarantee. Actual returns may be higher or lower and can vary over time. This product is an investment, not a savings account or deposit. Capital at risk. Crypto asset values and investments in the BTC Credit Fund can go up as well as down and you could lose all the money you invest. This is a high‑risk investment and you are not protected if it loses all or some of its value. Past performance is not indicative of future results. This information is not investment advice.Bitcoin deposits are not covered by the Gibraltar Deposit Guarantee Scheme. For more information on risks, please see our [Risk Disclosure](https://legal.xapobank.com/wealth/stocks-risk-disclosure)._