Welcome to Aave App

Earn up to 1.00% on your Savings.

Earn interest every second with industry-leading rates and balance protection up to $1M.1

Coming soon to Android and Web. 
Get Notified
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Better rates. Industry-leading protection.

Grow your Savings

Unmatched savings rates.

Up to 22× higher than traditional savings accounts.

5.00% APY + Boosts

0.00%
Fintech2
0.00%
Banks3
0.00%

$1M

$250K

Industry Standard

Balance Protection

Your balance. Protected.

Your money is protected up to $1,000,000 per Aave App account.

Aave is introducing insurance-backed protection for Aave App customer balances, providing up to $1,000,000 in coverage per eligible customer once active, subject to maximum policy limits and conditions. Full details, including limits and eligibility, will be shared upon launch.

Simulate your savings.

Simulation

You’re earning a base of 5.00% APY plus:

  • 0.75%
    for inviting friends.
  • 1.00% for early setup.
  • 0.50% for qualifying recurring contributions.

Future Balance

$1,353,430.02
$983,430.02
Earned in 30 years
1.35M
1.13M
902.29K
676.72K
451.14K
225.57K
0

Today

30Y

Simulating a recurring 

monthly deposit of $1,000 at 7.25% APY

Compare your Future Balance

$1.35M
7.25% APY
$669K- $684K
3.50% APY4
$681K- $672K
3.60% APY5
$394K- $959K
Banks
0.4% APY6

Rates may vary. Learn More.

Money in, money out. It’s that easy.

Bank Account$10,000 Limit+12,000 BanksSuggestedDebit Card$2,000 LimitStablecoin WalletUnlimited

Payment Methods

Add money from anywhere.

Connect to over 12,000 banks and cards.

$50

Your money, your rules

Withdraw anytime.

Access your savings whenever you need.

Step into the future.

ON THE
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Auto Saver

Automate your savings.

Setup recurring deposits and reach your savings goals.

$1,000.0324

Compounding 24/7/365

Every second counts.

Your balance grows every second on Aave.

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Future Projections

Visualize the power of compounding.

See how your money will grow over time.

Add Money+$1,000From Chase 9302Referral BonusFrom Clara0.25% APYWithdrawal$100To Chase 9302Interest EarnedMonthly Summary+$2.50Referral BonusFrom Michael0.25% APYWithdrawal$40.50To Nina’s WalletAdd Money+$500From Chase 9302Interest EarnedMonthly Summary+$2.50Add Money+$500From Chase 9302Referral BonusFrom Johanna0.25% APYWithdrawal$100To Chase 9302Add Money+$1,000From Chase 9302Referral BonusFrom Clara0.25% APYWithdrawal$100To Chase 9302Interest EarnedMonthly Summary+$2.50Referral BonusFrom Michael0.25% APYWithdrawal$40.50To Nina’s WalletAdd Money+$500From Chase 9302Interest EarnedMonthly Summary+$2.50Add Money+$500From Chase 9302Referral BonusFrom Johanna0.25% APYWithdrawal$100To Chase 9302

Track your Activity

Save your way.

Track your savings activity and create healthy habits.

Invite Friends. Earn More.

Referrals

10

Your Rate

8.10%

Slide to see how much you could earn!

0 Friends

24 Friends

$

Earned in 90 days

Assuming current base rate

$199.73

Base APY

5.00%

Early Setup Boost

1.00%

Friend Referral Boost ×10

1.60%

$200+ Recurring Contribution

0.50%

Rates may vary. Learn More.

FAQs

Aave App is a high yield savings app designed to grow your savings by up to 5.00% per year with balance protection up to $1M per account and optional recovery features. Additional ways to earn more will be added in the future, allowing you to earn up to 9.00% per year by inviting friends & setting up automated deposits.

Interest is earned by depositing funds on Aave, the largest peer-to-peer money market, with over $60 billion in deposits. Unlike traditional savings accounts, interest is compounded every second to maximize the growth of your savings. Aave money markets are over-secured — borrowers are required to deposit more than they borrow, meaning your savings are backed by more value than is borrowed.

The Aave App Savings Rates consist of a Base Rate (currently up to 5.00% per year) and any additional Rate Boosts you can earn on top, which can add up to a total of 9.00% per year. Like all high yield savings accounts, Aave App’s interest rate is subject to change. This is due to changing market conditions. While Aave App aims to keep its Base Rate fixed for large periods of time, changing market conditions may increase or decrease that 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:

  • We are introducing insurance-backed account protection up to $1M per account. Full details will be shared upon launch.
  • 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 any important actions, such as withdrawing funds
  • The withdrawal whitelist function adds an extra layer of protection by permitting transfers only to approved addresses
  • Only you have access to your funds, not Aave, not anyone else
  • Our entire codebase has gone through extensive reviews by third parties

We're developing an insurance-backed protection program for customer assets supplied to the Aave App as an additional layer of protection. The policy is designed to cover defined loss events, such as security breaches and technology failures. The program is not yet active. Full details, including limits and eligibility, will be shared upon launch.

Savings for everyone.

A completely new Savings App, powered by Aave.

  1. An insurance-backed coverage program for defined loss events such as security breaches or technology failures. The program is not yet active. Final terms, policy limits, and eligibility criteria will be announced upon launch.
  2. 3.50% is the advertised interest rate for Cash App savings accounts as posted on cash.app, as of November 13, 2025.
  3. 0.40% is the national average interest rate for savings accounts as posted on FDIC.gov, as of October 31, 2025.
  4. 3.50% is the advertised interest rate for Wealthfront cash accounts as posted on wealthfront.com, as of November 12, 2025.
  5. 3.60% is the advertised interest rate for SoFi High-Yield Savings Accounts as posted on sofi.com, as of November 12, 2025.
  6. 0.40% is the national average interest rate for savings accounts as posted on FDIC.gov, as of October 31, 2025.

Aave App is a high yield savings app designed to grow your savings up to 9% per year with balance protection up to $1M per account & state of the art account security and recovery. Interest is earned by depositing funds on Aave, the largest peer-to-peer money market, with over $60 billion in deposits. Unlike traditional savings accounts, interest is compounded every second to maximize the growth of your savings. Aave money markets are over-secured — borrowers are required to deposit more than they borrow, meaning your savings are backed by more than 100% of their value.

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