How to earn up to 4.2% yearly rewards with nsave
Keep your funds safe with nsave and earn up to 4.2% in yearly rewards on the USD balance you already hold. Enable rewards in a tap, disable them just as easily, anytime you want. Your money stays yours, fully liquid, fully in your control.
Here's how it works.
The short version
Hold USD in your nsave account, switch Balance Rewards on, and we'll share a little yield with you every day. Over a year that can add up to 4.2%, paid daily, with no lock ups and no fine print.#
What you actually earn
The headline rate is annual, but the rewards come in every single day. We turn the yearly rate into a daily equivalent using continuous compounding:
daily rate = (1 + annual rate)^(1/365) 1
A 4.2% annual rate becomes a small daily payout. Because each payout sits inside your USD balance, tomorrow's reward is calculated on a slightly larger number. That's compounding quietly working in your favor.
For example, on a $10,000 USD balance held all year at 4.2%:
- Day 1: around $1.13
- Month 1: around $34.50
- Year 1: around $420
What counts each day
Two simple things shape your reward.
Your USD account needs to be open and visible in your app. Closed or hidden accounts don't earn.
And we use the lowest balance you held during the day. If you start at $5,000, receive $2,000 at noon, and send $1,000 at 4pm, your reward is based on $4,000. We want to reward money that's truly with you, not money that just passed through.
How to reach the top rate
Your annual rate depends on your nsave plan. To unlock the highest one available to you:
- Keep some USD in your account. Yield only grows on USD.
- Choose a plan that includes the top yield tier. If you upgrade later, your rate moves up with you automatically.
- Give it a full day. New enrollments start earning after the first 24 hours.
- Stay enrolled. The moment you switch rewards off, accrual stops, and the moment you switch them back on, it picks up again.
When you get paid
Every morning, we look at the lowest balance you held the day before, apply your daily rate, and drop the reward straight into your USD account. You'll see it in your transactions as "Balance reward for [date]." Each payout is one of a kind, so nothing ever double counts, and if we ever need to pause the program, your enrollment stays safe and resumes on its own.
A friendly note on bigger balances
There's a maximum balance that earns yield, set per user. For almost everyone, it sits comfortably above day to day balances and won't get in your way. If you're holding more than that, the extra simply stops accruing, while the rest keeps earning as usual.