Aave App
The World’s Savings App. Up to 6.25% APY1
Get paid every second with global rates and Balance Protection2
1Includes base rate plus eligible boosts. Rates are variable and not guaranteed. Yield is generated by open lending markets. Capital is at risk. T&Cs apply.
Skip the local rates
Get closer to your goals
Aave is not a bank. It's built differently to unlock rates from global markets for everyone.
6.00% APY + Boosts
0.00%Fintech3
0.00%Banks3
0.00%
6.25% is the current interest rate for Aave App. 0.38% is the national average interest rate for savings accounts as posted on FDIC.gov, as of August 17, 2026. Rates may vary.
Simulate your savings.
Simulation
You’re earning an extra 0.25% APY by setting up monthly deposits totalling $1,000 or more.
1.09M
905.33K
724.27K
543.20K
362.13K
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Past performance is not a reliable indicator of future performance. Rates and yields are variable and not guaranteed. Yield is generated by underlying open lending markets and involves risk. T&Cs apply. Read our disclosures.
Compounding 24/7/365
Every second counts.
Your balance grows every second on Aave.
Stablecoin Wallet
Supports Stablecoins.
Add and withdraw Stablecoins on Arbitrum.
Balance Protection
Your funds are covered.
Enroll in the program in just a few steps.
Your money, your rules
Withdraw anytime.
Access your savings whenever you need.
Balance Protection for eligible customers, subject to terms and conditions. Not insurance. See the full terms in the app.
Aave Users
Deposit money
Dollars or any supported assets on Aave.
Borrowers
Take loans
Lock up more than they borrow, then pay interest into the pool.
Earnings6.25%APY
Built for safety
Secured at every layer.
Face ID, Account Recovery, 2FA, and trusted devices.
Independently reviewed
Audited by leading firms
Independent audits including SOC 2 certification.
FAQs
Aave App is a savings app designed to help you earn up to 6.25% per year — made up of a 6.00% Base Rate plus Boosts you can earn today — with Balance Protection for eligible balances and optional recovery features.
Your funds are supplied to Aave, where they are lent to borrowers who pay interest — and you earn it. Unlike traditional bank savings, interest is compounded every second. Aave is a battle-tested protocol that has facilitated more than $3 trillion in all-time deposits, and markets are overcollateralized — borrowers must deposit more than they borrow, meaning your savings are backed by more value than is borrowed.
The Aave App Savings Rate consists of a Base Rate (currently 6.00% per year) and any additional Rate Boosts you can earn on top, which can add up to a total of 6.25% per year. Rates are variable, not guaranteed, and depend on region and account eligibility, subject to terms and conditions. Market conditions may increase or decrease the Base Rate over time. The Base Rate will never be negative.
Your account’s security is our top priority. Here are just a few of the many measures we take to make sure your funds remain secure:
- Balance Protection for eligible customers, subject to terms and conditions
- In the event you lose your password, we have an opt-in biometric recovery solution so you always have access to your funds
- We allow you to set up 2 factor authentication for signing in and account recovery
- The withdrawal whitelist function adds an extra layer of protection — transfers are only permitted to approved addresses, and adding a new address requires one-time passcode verification
- Only you have access to your funds, not Aave, not anyone else
- Our entire codebase has gone through extensive reviews by third parties
Balance Protection is an extra layer of protection for eligible balances held in the Aave App, subject to terms and conditions. It's designed to address certain loss events, such as security breaches or technology failures.
Balance Protection for eligible customers, subject to terms and conditions. Not insurance. Aave is not a bank.
The World’s Savings App
Up to 6.25% APY and Balance Protection2
- Includes base rate plus eligible boosts. Rates are variable and not guaranteed. Yield is generated by open lending markets. Capital is at risk. T&Cs apply.
- Balance Protection for eligible customers, subject to terms and conditions. Not insurance. See the full terms in the app.
- 3.25% is the advertised high-yield APY for eligible Cash App savings customers as posted on cash.app, as of August 25, 2026. 0.38% is the national deposit rate for savings accounts as posted on FDIC.gov, as of August 17, 2026. Rates are variable and subject to change.