BingX Earn (Wealth → Earn) is mainly flexible and fixed-term savings. Flexible interest is calculated hourly and reinvested automatically; you can redeem from the second day after buying, usually credited in real time. Fixed-term interest is calculated daily without compounding, and principal plus interest return to your Fund Account automatically at maturity. Flexible rates are tiered: on 2026-10-17, USDT paid 8% APR on the first 300 USDT and only 1% on anything above. USDT fixed terms can't be redeemed early; BTC, ETH and USDC fixed terms can be redeemed any time, but interest is then recalculated at an early-redemption APR of 0% to 0.10%. Subscribing and redeeming are free.
This guide is based on the BingX Earn page and the Help Center's Wealth articles. It covers how flexible and fixed-term interest is calculated, when it starts, how redemption works, what early redemption costs, the VIP and new-user products, and the rules for using USDT in Earn as futures margin, then compares flexible and a 30-day term on 1,000 USDT. The rates on the page (Est. APR) move; the figures here are a snapshot from the day we checked. If you trade on BingX, sign up with our code FEEOTTER for a 45% rebate (all paid automatically by BingX), more than twice the 20% most codes give; Earn itself has no trading fees, and how it relates to the rebate is covered further down.
Key points
- Products: the Earn page has Flexible Term, Fixed Term and Shark Fin; the Wealth menu also has Dual Investment and BXUSD. 28 coins were listed when we checked.
- Flexible: hourly interest, reinvested automatically; tiered rates, with much lower APR above the first tier.
- Fixed term: daily interest, no compounding, automatic redemption at maturity, usually back in the Fund Account within 1 working day; auto-renewal is optional.
- Early redemption: not for USDT fixed terms; possible for BTC, ETH and USDC, but interest is recalculated at a very low early-redemption APR.
- Fees: BingX states that subscription and redemption are free.
Products and rates when we checked (2026-10-17)
Flexible: tiered rates
| Coin | First tier | Above the first tier | Minimum |
|---|---|---|---|
| USDT | 0 to 300 USDT: 8.00% | 1.00% | 1 USDT |
| BTC | Up to 0.01 BTC: 4.00% | 0.10% | 0.0003 BTC |
| ETH | Up to 0.1 ETH: 6.00% | 0.30% | 0.005 ETH |
| USDC | Up to 500 USDC: 5.00% | 0.40% | 1 USDC |
USDT fixed term
| Term | APR | Subscription range (USDT) |
|---|---|---|
| 3 days | 2.80% | 50 to 10,000 |
| 7 days | 3.20% | 20 to 10 million |
| 30 days | 3.80% | 20 to 2 million |
| 60 days | 4.00% | 10 to 200,000 |
| 90 days | 4.20% | 10 to 2 million |
| 180 days | 4.50% | 10 to 5 million |
| 7-day new user | 50% | 0.1 to 100, once, for users within 30 days of signing up |
| 7-day VIP | 10% | 1,000 to 2,000 |
BTC fixed: 7-day VIP 4.00% (0.01 to 0.04 BTC), 30-day 0.30%. ETH fixed: 7-day VIP 6.00% (0.1 to 1 ETH), 30-day 1.30%. USDC fixed: 7-day 3.20%, 30-day 3.60%, 90-day 4.20%, 180-day 4.50%. Source: product data loaded by the BingX Earn page, checked 2026-10-17. The 50% new-user rate is capped at 100 USDT for 7 days, once, which works out to about 0.96 USDT of interest; it says nothing about the regular products.
Flexible: hourly compounding, redeemable from day two
- Interest: calculated hourly and added to the next hour's principal; the APR changes in real time, and interest shows in the Wealth account until you redeem.
- Start time: according to the BingX Wealth introduction, subscriptions made before 13:59 UTC start accruing at 16:00 UTC on the second day. When we opened the subscription page at 22:13 (UTC+8) on 2026-10-17, it showed interest starting at 2026-10-19 00:00 (UTC+8).
- Redemption: available from the second day after purchase and usually credited in real time; interest is redeemed before principal.
Tiered rates mean that with 1,000 USDT in flexible, only the first 300 USDT earns 8% and the other 700 USDT earns 1%, so the blended APR is (300 × 8% + 700 × 1%) ÷ 1,000 = 3.1%.
Fixed term: automatic redemption, early exit depends on the product
- Interest: calculated daily, not reinvested; principal and interest are redeemed automatically at maturity and generally return to the Fund Account within 1 working day (BingX Wealth FAQs).
- Subscription result: you find out on the second day whether it went through; if it fails, for example because the quota is full, the funds go back to the Fund Account.
- Auto-renewal: optional. When on, the order renews into the same product at the APR at that time; USDT orders on auto-renewal can't be used as futures margin.
- Early redemption: USDT fixed-term pages say the product "cannot be redeemed early and will automatically redeem upon maturity." BTC, ETH and USDC terms tagged "Redeem anytime" can be redeemed early, but a penalty is deducted and interest is recalculated at the early-redemption APR, with funds arriving within about 10 minutes; redeeming before interest starts returns principal only. Early-redemption APRs when we checked: BTC 0%, ETH 30-day and all USDC terms 0.01%, ETH 7-day VIP 0.10%.
BTC, ETH and USDC terms can be redeemed any time, but the early-redemption APR is close to zero, so you give up the interest for that period.
Example: 1,000 USDT for 30 days, flexible or fixed?
Our own calculation using the rates on 2026-10-17, assuming they stay the same for 30 days:
| Amount | Flexible, 30 days | 30-day fixed at 3.80% | Better |
|---|---|---|---|
| 300 USDT | 300 × 8% × 30 ÷ 365 ≈ 1.97 | 300 × 3.8% × 30 ÷ 365 ≈ 0.94 | Flexible |
| 1,000 USDT | (300 × 8% + 700 × 1%) × 30 ÷ 365 ≈ 2.55 | 1,000 × 3.8% × 30 ÷ 365 ≈ 3.12 | Fixed |
| 1,000 USDT split | 300 flexible ≈ 1.97 + 700 fixed ≈ 2.19 = about 4.16 | Split | |
Hourly compounding adds very little over 30 days, so the table uses simple interest. Splitting only makes sense if you're sure you won't need the 700 USDT for those 30 days, since USDT fixed terms can't be redeemed early, and there is no interest during the one or two days before accrual starts.
USDT in Earn can be used as futures margin
According to a BingX announcement and the Earn page, USDT in Earn can also serve as perpetual futures margin while it keeps earning interest; Shark Fin and auto-renewed orders are excluded. If a position is liquidated, the matching Earn assets are redeemed automatically. Your money doesn't sit idle, but your savings are then exposed to futures liquidation risk as well.
VIP, new users and verification
- VIP: BingX says VIP users get higher returns and more products; when we checked, the VIP-only products were USDT 7-day 10%, BTC 7-day 4% and ETH 7-day 6%, each with a subscription cap.
- New users: USDT 7-day 50%, for users within 30 days of signing up, once, up to 100 USDT.
- KYC: none of the USDT, BTC, ETH or USDC products were marked as requiring KYC when we checked; the Earn page also notes that local regulations may require KYC before you can use the service.
If you trade large volumes or are already VIP on another exchange, contact Fee Otter support and we'll help you reach the exchange; the actual benefits are decided by the exchange.
Telegram · @feeotter
