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Download APK2026 Complete Comparison Guide · APR Reference Table · Step-by-Step Tutorial
Binance Simple Earn is Binance's all-in-one passive income platform. It lets you put idle crypto assets to work and earn interest without complex DeFi knowledge. Supporting over 100 digital assets, Simple Earn consolidates what was previously called Binance Savings into a streamlined interface where subscribing, tracking, and redeeming takes just a few taps.
The mechanics are straightforward: you deposit assets into Simple Earn, Binance allocates them to lending markets and liquidity pools, and the generated yield is passed back to you after the platform takes its fee (already factored into the displayed APR). You never need to interact with DeFi protocols directly.
Simple Earn offers two core product types: Flexible Savings (no lock-up, lower APR) and Locked Savings (fixed term, higher APR). Understanding the difference is the foundation of any solid earning strategy.
Flexible Savings behaves like a high-yield savings account. You deposit crypto, it earns interest daily, and you can withdraw at any time — usually within minutes to a few hours. There is no minimum holding period; even a single day of deposit earns interest.
Full Liquidity: Redeem whenever you want. This is the defining advantage. If a trading opportunity arises — or you simply need your funds back — there is no waiting period.
Daily Compounding: Interest is calculated daily and automatically added to your principal, creating a compounding effect. On 10,000 USDT at 3.5% APR, you earn roughly $358 in a year via compound interest versus $350 in simple interest — a small but growing advantage over time.
Variable APR: The rate fluctuates based on market demand for borrowing. During bull markets when traders seek leverage, APR tends to rise. During low-activity periods it falls. You cannot lock in today's rate.
Auto-Subscribe: You can enable automatic subscription so any idle balance in your Spot wallet is instantly put to work without manual action.
Locked Savings (also called Fixed-Term products) requires you to commit your assets for a set period — typically 30, 90, or 120 days. In exchange for this commitment, you receive a meaningfully higher APR that is fixed at the time of subscription. At maturity, your principal plus accrued interest is returned to your Spot wallet automatically.
Higher APR: Locked APRs are typically 50–200% higher than Flexible rates for the same asset. BNB Locked 120-day at 9.0% versus Flexible at 4.0% — that's more than double the yield for a 120-day commitment.
Rate Locked at Subscription: Unlike Flexible, the APR you see when you subscribe is the APR you earn throughout the term. Market rate drops after subscription do not affect your return.
Multiple Terms: Choose from 30-day (lower APR, less commitment), 90-day (mid-tier), or 120-day (highest APR) based on your cash flow needs.
Auto-Renewal: At maturity, you can set products to auto-renew at the prevailing APR, or have the principal returned to your Spot wallet — no manual action needed.
| Factor | Flexible Savings | Locked Savings |
|---|---|---|
| Liquidity | ✅ Redeem anytime | ❌ Locked until maturity |
| APR Range | Lower (1.2%–5.5%) | Higher (2.1%–10.5%) |
| Rate Stability | Variable, market-driven | Fixed at subscription |
| Minimum Hold | 1 day (no minimum) | 30 days minimum |
| Best For | Active traders, uncertain timelines | Long-term holders, stable planners |
| Risk Level | Low (liquidity preserved) | Medium (illiquid during term) |
| Interest Calculation | Daily compound, auto-added | Settled at maturity |
| Auto-Renewal | Continuous (always on) | Configurable at subscription |
The figures below are reference rates for 2026. Actual APRs adjust in real time based on market conditions. Always check the Binance App for current rates before subscribing.
| Coin | Flexible APR | Locked 30d | Locked 90d | Locked 120d |
|---|---|---|---|---|
| USDT | 3.5% | 5.2% | 6.8% | 7.5% |
| BTC | 1.2% | 2.1% | 3.0% | 3.5% |
| ETH | 2.8% | 4.5% | 5.8% | 6.2% |
| BNB | 4.0% | 6.5% | 8.2% | 9.0% |
| SOL | 5.5% | 7.8% | 9.5% | 10.5% |
Use the APK download button below, or search "Binance" on Google Play or the App Store. The APK is the recommended option for users in regions with app store restrictions.
Tap Register, enter your email or phone number, and set a strong password. Enter referral code BNAPP to receive a trading fee discount. Complete the email or SMS verification.
Go to Profile → Identity Verification. Upload a government-issued ID and complete face recognition. KYC approval typically takes 1–3 business days and unlocks full earning features and higher deposit/withdrawal limits.
Go to Assets → Deposit. Select your desired coin (e.g., USDT), copy the deposit address, and transfer from another exchange or wallet. Alternatively, use the Buy Crypto feature to purchase with a credit card or bank transfer.
Tap Finance in the bottom navigation bar, then select Simple Earn. Use the search bar to find your target asset (e.g., BNB, USDT). Browse Flexible and Locked options side by side.
Select a product, tap Subscribe, enter your amount (minimum is typically 0.001 BTC or 1 USDT), review the APR and term, agree to the terms, and tap Confirm. Interest begins accruing the following day. Monitor your position under My Savings.
Go fully Flexible. The absolute yield difference between Flexible and Locked on $1,000 is only around $40/year. Liquidity is far more valuable at this scale — you want to be able to act quickly on opportunities. Prioritize BNB or SOL Flexible for the higher APR among common assets.
Use a 30/70 split: keep 30% in Flexible for liquidity, put 70% in 90-day Locked for higher yield. For stablecoins, always prefer Locked. For BTC/ETH, stay Flexible near market cycle tops; switch to Locked during bear markets or consolidation phases.
Optimize with a ladder strategy: 20% Flexible (emergency buffer), 50% in 120-day Locked for maximum APR, 30% in Spot waiting for market opportunities. Stagger subscription start dates so you have products maturing at different times — this avoids reinvestment pressure and keeps some capital flowing back to you regularly. Focus heavily on BNB and SOL for the best Locked APRs.
If your goal is capital preservation with meaningful yield, convert funds to USDT and subscribe to 120-day Locked (7.5% APR). This dramatically outperforms traditional bank savings while eliminating crypto price risk — a conservative but highly effective approach in a volatile market.
⚠️ Read Before Investing
Platform Risk: Binance maintains a SAFU fund exceeding $1 billion to protect users, but no platform is risk-free. Do not concentrate all assets on a single exchange.
Price Risk: For non-stablecoin Locked products, interest cannot compensate for a large price drop. BTC Locked at 3.5% APR cannot offset a 30% price decline.
Liquidity Risk: Once in Locked Savings, your funds are inaccessible. Only lock funds you genuinely will not need during the term.
Regulatory Risk: Crypto regulations vary by country. Understand your local laws before investing.
Crypto investing carries extreme risk. Past returns do not guarantee future results. Never invest borrowed money or funds you cannot afford to lose.
Download the Binance App, register with code BNAPP, and start earning with Simple Earn in minutes
📱 Download APK 🚀 Register NowNeither Flexible nor Locked Savings is universally superior — the right choice depends on your financial situation and goals.
Choose Flexible if: you need liquidity, have a small portfolio, are uncertain about market direction, or are just getting started with Binance Earn.
Choose Locked if: you have surplus funds you won't need for 30–120 days, want to maximize yield, hold stablecoins and want risk-free returns, or are a long-term crypto holder.
The optimal strategy for most users is a Flexible + Locked combination: maintain liquidity with a portion in Flexible while maximizing yield with the rest in Locked. A 30/70 or 20/80 split is a solid starting point that can be adjusted as your needs evolve.
In 2026's crypto market, consistent compounding through Simple Earn can meaningfully grow your holdings over time — with less risk and effort than active trading.
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