Bitget Fixed Savings: Earn Higher Returns with Locked Deposits

[Estimated Reading Time: 3 mins]

Bitget Fixed Savings allows you to earn passive income on your idle crypto assets with higher returns over a set period. Unlike Flexible Savings, which lets you withdraw anytime, Fixed Savings locks your assets for a fixed duration in exchange for better interest rates.

This guide explains how Bitget Fixed Savings works, its benefits, and how to get started.

What is Bitget Fixed Savings?

Bitget Fixed Savings is a low-risk savings product that offers stable returns on your crypto assets. By locking your funds for a specific period, you can earn a higher Annual Percentage Rate (APR) compared to Flexible Savings.

Key Benefits

• Low risk – Your principal is secure, and yields are paid in the same asset.

• Higher APR – Earn better returns than Flexible Savings.

• Flexible lock-up periods – Choose from available options such as 7, 14, 30, or 60 days, depending on the asset.

Once subscribed, your funds are locked in your savings account, and interest accrual begins the next day (D+1).

How to Subscribe to Bitget Fixed Savings?

Step 1: Access Bitget Savings

• On the web: Click Earn in the top navigation bar, then select Savings.

• On the app: Tap the user icon in the top-left corner, select Earn from the quick access section, and then tap Savings.

Step 2: Choose Your Fixed Savings Plan

1. Select your preferred asset from the Fixed Savings options.

2. Choose a lock-up period based on the available options for your selected asset (e.g., 7, 14, or 30 days).

3. Click Subscribe.

Step 3: Confirm Your Subscription

1. Enter your investment amount.

2. Review the estimated APR and lock-up details.

3. Agree to the terms and click Confirm.

Step 4: Track & Manage Your Subscription

• View your active subscriptions under Savings Records in the Earn section.

• At maturity, your funds and earned interest will be automatically credited to your Spot account.

How does Bitget Fixed Savings work?

Interest Calculation & Payouts

Interest is calculated from D+1 (the day after subscription). There are two payout options:

• Daily payouts – Interest is credited to your Spot account every day.

• End-of-term payouts – Interest is credited in full at the end of the lock-up period.

Redemption & Early Withdrawal

• At maturity, your principal and earned interest are automatically returned to your Spot account.

• Some Fixed Savings products allow early redemption, but a penalty fee may apply.

• Subscription terms may vary by asset, so always check the details before subscribing.

Formula for Total Interest Calculation: Total Interest = Subscription Amount × APR × Lock-up Days ÷ 365

Example:

If you subscribe 1,000 USDT to a 30-day Fixed Savings plan with an 8% APR: 1,000 × 8% × 30 ÷ 365 = 6.57 USDT At the end of the term, you will receive 1,006.57 USDT (principal + interest).

FAQs

1. When does interest start accruing?

Interest starts the day after you subscribe (D+1).

2. Can I withdraw my funds before the lock-up period ends?

Some Fixed Savings products allow early redemption, but a penalty may apply.

3. What happens when my Fixed Savings plan matures?

Your principal and interest will be automatically returned to your Spot account.

4. Is my initial deposit safe?

Yes, your principal is guaranteed, and you will receive it back at the end of the term.