As known from:
  • Our Team / YouHodler Review

Youhodler Review 2024: Are They Safe & Legit – Or a Scam?

YouHodler is restricted in your area.
We instead recommend one of's Top3 alternatives:
Crypto Exchange
Rating follows
  • Earn interest rates between 6.5% & 6.8%
  • Over 40 accepted cryptocurrencies
  • No fees for making crypto payments
T&Cs apply, 18+
User Reviews

Our YouHodler review is here to show you why this brand offers you a great way to get more from your cryptos. Keep reading to see what YouHodler is all about!

You’ll know that HODL is an acronym for ‘hold on for deal life’. Well, YouHodler takes that theory and gives you a place to hold on to your crypto assets and then gives you interest of up to 12.3% APR on top. Take a look below to see what else we discovered in our YouHodler review.

Read More
YouHodler: Pros & Cons
  • Competitive interest rates
  • Quality crypto loans
  • 40 coins featured
  • Interesting crypto exchange
  • Unavailable in US
Payment Methods
FINMA - Swiss Financial Market Supervisory Authority
Naumard LTD
Overall Rating
Rating follows
  • Usability, Look & Feel
  • Payment Methods
  • Customer Service
No review posted yet.
User Rating
5 Stars
4 Stars
3 Stars
2 Stars
1 Star
Last Updated on 02/07/2024

Security, usability, look & feel - Great mobile apps found in our YouHodler review

We have to admit that we’re noticing that most crypto investment sites look broadly the same. You’ll see a familiar color palette of whites and mid-blues and YouHodler certainly doesn’t attempt to change things here. Not that this is a bad thing as there’s something reassuringly familiar about coming to YouHodler for the first time.

It’s a site where you’re never too far away from handy links for signing up and logging in, accessing customer support and so on. There are also simple ways of switching the language options and you’ll find the main products across the navigation bar. This offers you a fast way to navigate between the savings scheme, loans, NFTs and so on.

However, it’s worth noting that YouHodler isn’t just another faceless crypto investment site. We appreciated the care given in extra features like the YouHodler blog that does a good job in highlighting the latest and greatest coins and NFTs.

We especially loved the YouHodler app. You can get this for iOS and Android mobiles and it gives you a clean and classy way to manage your digital assets. You’ll get to see all of your active and closed crypto trades with the price movements simply displayed, and there’ll be a constant display of your total investments and current profit. We liked the cool features that give you ideas about which cryptos to trade and there’s a handy tab that lets you switch between wallets, loans, savings and so on.

How to trade and invest at YouHodler

The good news is that it is very easy to make your money work for you at YouHodler. First of all, you will need to create a YouHodler savings account. This means signing up to the site, which can be done by hitting the Get Started button and then entering your email address and password.

From here, you will need to verify your account by entering in the code that will either be sent to you via email or phone message. Once your account is set up you will be ready to make your first crypto deposit. This can be done in dozens of leading cryptos for just a few bucks at a time.

As soon as the crypto lands in your account, it will start gaining interest that can be as much as 12% APR. So, the longer that you let your crypto sit in your savings account, the more money it will earn you. Just so you know, you are free to withdraw your crypto assets whenever you want.

Payments - Dozens of cryptos found in our YouHodler review

There are currently 32 cryptocurrencies and eight stablecoins that can be used at YouHodler. You will have to deposit the equivalent of at least $5 if you make a crypto payment. When making crypto withdrawals, you will have to withdraw a minimum of the equivalent of $5 and $50 depending on what currency you are withdrawing to.

As well as this, you can also make payments with traditional payment providers such as Visa, Mastercard and Maestro, plus there is the option to make a bank wire transfer. Bank wire transfers must be made from a minimum of $100 at a time, and the processing times for this payment method range from two to five business days depending on the currency used.

When it comes to making withdrawals, you’ll have to withdraw a minimum of $500 at a time via bank wire, although this amount may fall for other currencies. The bank wire processing times will again vary between two and five working days depending on the currency that you are withdrawing.

Customer service - Good live chat discovered in this YouHodler review

We found that YouHodler operates a pretty good customer care team. You can easily get in touch with the brand via the dedicated email address. There is also a kind of live chat in the bottom-right of the screen, although this operated more like a bot that attempted to answer your questions and you’ll probably end up just having to email YouHodler instead. Just so you know, there isn’t any kind of telephone support at YouHodler.

Can’t get an answer from YouHodler through the traditional methods? Then you should know that you can always contact the brand via its Twitter, Facebook and Instagram social media channels. There’s also an excellent FAQ section that does a good job of answering all of the most common queries regarding everything from verifying your account to making a crypto withdrawal. All of which shows that YouHodler cares about its customers.

License & security - An important part of our YouHodler review

So can you actually trust YouHodler to take good care of your crypto assets? Well, you should know that the brand is protected by something called Ledger Vault, which basically puts up to $150 million in pooled insurance via its digital asset management system.

We should also note that YouHodler is part of the Crypto Valley Association – the organization that is behind a fair and secure regulation of the global blockchain ecosystem. YouHodler is also part of the Blockchain Association Membership which is another confirmation that this isn’t just some scam site that’s after your money. The fact that YouHodler is allied with Elliptic and CipherTrace also means that it will take efforts to fight all criminal activities commonly associated with cryptocurrencies.

Your crypto deposits will be kept safe as YouHodler uses a combination of state-of-the-art cold and hot wallets. Plus all accounts are bound by two-factor authentication and there is even the option of 3FA should you need it. Further security features include PCI security standards on card transactions, Cryptocurrency Security Standard on all crypto operations, SSL for encrypting your personal data, and OAuth 2.0 tokens for authentication procedures. Overall, Youhodler is not a scam. Its credentials validate that Youhodler is legit as a cryptocurrency exchange.

Reputation and customer feedback – Different kinds of YouHodler review

It’s always interesting to see what other crypto fans think about sites like YouHodler. We found that most people seemed to have a positive opinion, with YouHodler’s customer support being praised. The ease of using the YouHodler savings account was also praised and the brand has earned a very favorable rating on a major customer review aggregation site.

We also had a look through a few crypto forums, and while some users suggested that YouHodler’s interest rates weren’t as good as what you get when trading, we couldn’t find much in the way of criticism of this crypto investment platform. While YouHodler is a new brand operating in a relatively new domain, it seems to enjoy widespread praise and this is yet another good sign for this promising crypto investment site.

Cryptocurrencies - Top interest rates found in our YouHodler review

Most people will sign up to YouHodler to get one of the brand’s saving accounts. This basically lets you store your cryptocurrencies at YouHodler and you’ll earn compound interest on the top. Any interest gained on your crypto investment will simply be added into your wallet each and every week.

The interest rates vary according to what kind of crypto you are storing in your YouHodler savings account. Rates for Bitcoin and Ethereum are 6.8% and 6.5% respectively, while they rise up to 12.3% for stablecoins like Tether.

We should note that there is also the Multi HODL account, which varies from the standard YouHodler savings account. With the Multi HODL account, you’ll be increasing your risk, but you will face a much greater potential profit in return.

Other trading – Crypto loans and trading exchange

We should definitely talk about the loan service that we found in our YouHodler review. This doesn’t necessarily give you zero collateral crypto loans, but it’s not far off. This is because YouHodler serves up loans that have a seriously impressive loan to value ratio of 90%. Bear in mind that this 90% loan to value ratio only applies if your loan period lasts for 30 days, and it’ll go down to 50% for a 180-day time period.

Getting one of these loans just requires you to make a deposit of at least $100 with one of the 40 accepted crypto coins. From here, your loan will be granted either as cash in fiat currencies like USD, GBP, EUR and CHF, or you could receive your loan in cryptos like Bitcoin and Tether.

There’s also a crypto exchange that offers you a further way to get something back from your investments. This allows you to convert your crypto into stablecoins or fiat currencies, or vice versa. So that if you ever wanted to swap your Bitcoin for USD, Ethereum for Tether, or EUR for Litecoin, you can do it here. Just remember to factor in those fees.

Jurisdictions and limits – Where can you use YouHodler?

So one of the major problems of YouHodler is the fact that you can’t use it from the US. To be honest, many crypto investment sites have this issue, and so we can’t criticize YouHodler too much for this.

Other countries that aren’t served by YouHodler include Bangladesh, China, Iraq, Pakistan, Cuba, Iran, North Korea, Sudan, Syria, Afghanistan, Nepal, Bolivia, Egypt, Algeria and Morocco. We should note that customers in Switzerland will only receive a limited service provision from YouHodler.

Fees – Minimal fees at YouHodler

YouHodler won’t charge you too many fees for moving your money around. Most bank wire transfers will be free, although there will be charges for deposits made in GBP and if a USD deposit is made through the Swift network. Payments with bank cards will have fees of between 1% and 4.5%. This contrasts with absolutely nothing in fees for making payments with cryptocurrencies and stablecoins.

Bank wire withdrawals will be hit with fees that range between €5 and $70 depending on the currency used. If you make a crypto withdrawal, you’ll find that there will be the standard blockchain fee that varies according to the system capacity. We should also note that the YouHodler crypto exchange will apply a fee of 0.5% to each transaction that you make.

Product summary – Plenty of reasons to use YouHodler

We think that the crypto service offered here at YouHodler is very impressive. Not only can you get impressive rates of interest on the standard savings account, but there are also some excellent defi crypto loans here too. When you tie this in with a simple but effective crypto exchange, it’s clear why YouHodler is a rising star of the crypto investment scene.

Obviously, you’ll have to factor in those fees, but these are outweighed by the sheer quality of the overall service. So why not sign up to YouHodler and put your cryptocurrencies to good use.

YouHodler review FAQ

✅Is YouHodler legit?

We couldn’t really carry out a decent YouHodler review unless we asked tough questions like, ‘Is YouHodler safe?’. Plus we’ll also examine the broader picture to ask, ‘Is crypto lending safe?’ After all, you will want to make sure that you don’t fall victim to any scams. So make sure that you read our review to see whether you can trust YouHodler with your crypto deposits.

💵What YouHodler fees are there?

Make sure that you read our YouHodler review to see what fees you’ll find at this crypto investment site. The good news is that the fees are minimal and what fees there are are roughly in line with what we found in our BlockFi review. All of which should mean that you can look forward to watching the interest grow on your crypto deposits without being hit with massive fees for withdrawals.

❓What is the YouHodler interest rate?

Check out our YouHodler review to see what kinds of interest rates your crypto deposits could pick up. If you’ve read our Holdnaut review, you’ll know that some crypto investment sites have some seriously competitive interest rates. So be sure to see what happened when we made a few simple crypto deposits when we signed up to YouHodler.

💰How does the YouHodler calculator work?

Read our YouHodler review and see how you can use the calculator on the brand’s website to figure out what kinds of returns you could get from your crypto investments. By effectively using the calculator, it’ll help you see whether the crypto lending rates at YouHodler are worthy of your time or whether you should go to an alternative crypto investment platform instead. 

🔒Are there any YouHodler security problems?

We’re deadly serious about your online security, and so much of our YouHodler review will be taken up with discussing how this brand keeps your crypto deposits and personal information safe. After all, we’d expect that any decent crypto lending platform would have the latest SSL-level technology to protect your data and would only store your deposits in the highest grade cold wallets.

Overall conclusion - Main themes of our YouHodler review

We’ve been seriously impressed with what we found in our YouHodler review. OK so this isn’t the only place where you can get interest on your digital assets and you can certainly find instant crypto loans elsewhere, but YouHodler does everything with a touch of extra care.

First of all, it’s clear that YouHodler is a legit crypto investment site. This is something that can be seen in how transparent it is in its operations and we liked the fact that YouHodler is part of various crypto standards agencies. Secondly, it’s remarkably easy to use YouHodler to get some passive income. Everything from the website to the app felt well-designed and we didn’t encounter any problems during our time here.

Some people might be caught out by some of the costs for using fiat currencies, but you can easily sidestep all of this if you just use cryptos. So make sure that you register an account at YouHodler and watch your crypto investments grow!

User Reviews for YouHodler

No review posted yet.

Post your own Review

* required
Crypto Exchange
Rating follows
  • Earn interest rates between 6.5% & 6.8%
  • Over 40 accepted cryptocurrencies
  • No fees for making crypto payments
T&Cs apply, 18+
Top Crypto Exchange Sites
Top Crypto Wallet Sites
Stay on top of the latest news: 
Users must be 18+. If you are having trouble with gambling then help and advice can be found at

Players must be 21 years of age or older or reach the minimum age for gambling in their respective state and located in jurisdictions where online gambling is legal. Please play responsibly. Bet with your head, not over it. If you or someone you know has a gambling problem, and wants help, call or visit: (a) the Council on Compulsive Gambling of New Jersey at 1-800-Gambler or; or (b) Gamblers Anonymous at 855-2-CALL-GA or

Trading financial products carries a high risk to your capital, especially trading leverage products such as CFDs. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

This site is using Cloudflare and adheres to the Google Safe Browsing Program. We adapted Google's Privacy Guidelines to keep your data safe at all times.
21+NCPGGamblers Anonymous
Your Promo Code:
The bonus offer of YouHodler was already opened in an additional window. If not, you can open it also by clicking the following link:
Visit Site