Expand your portfolio with cryptocurrencies.

Buy Bitcoin, Ethereum, and other crypto via card or bank transfer and earn interest.

4.9
1K+ reviews
Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Crypto converter

Calculate exchange rates on over 100 digital assets in your local currency.

Browse and buy over 100 digital assets.

Bitcoin
Bitcoin BTC
$107,690.00
▲ 1.85%
Ethereum
Ethereum ETH
$2,540.45
▲ 1.04%
Tether
Tether USDT
$1.00
▲ 0%
XRP
XRP XRP
$2.26
▲ 0.51%
BNB
BNB BNB
$655.97
▲ 0.78%
Solana
Solana SOL
$155.16
▲ 3.71%
USDC
USDC USDC
$1.00
▼ -0%
Dogecoin
Dogecoin DOGE
$0.19
▲ 1.17%
TRON
TRON TRX
$0.28
▼ -0.82%

Top up the way you want.

Fund your account with the payment method you’re most comfortable with and start building your portfolio.

Crypto-friendly bank transfers

Enjoy seamless USD, EUR, and GBP bank transfers under your name.

Visa & Mastercard

Use your debit or credit card.

Apple Pay & Google Pay

Top up via the two most popular mobile payment services.

Local payment methods

Transfer via popular regional payment methods.

Blockchain transfers

Receive crypto via widely used networks and bridge assets across multiple chains with no gas fees.

Free transfers between friends

Send and receive assets via email, phone, or crypto address.

How Ritchi helps you build your wealth.

Reach your goals faster by joining the Ritchi Loyalty Program with an account above $5,000.

Earn up to 16% annual interest

Get industry-leading rates with an account balance above $5,000.

Get more from every purchase

Receive up to 0.5% crypto cashback per purchase.

Dollar-cost average

Buy crypto automatically with a fixed schedule.

Build your portfolio with Recurring Buy.

Grows consistently

Recurring Buy lets you purchase digital assets on a schedule

Guards against volatility

Use Dollar-Cost Average (DCA) to mitigate effects of market volatility.

Executes on its own

Keep your eyes on the big picture, not on monitoring the market.

Diversify with Crypto Bundles.

Buy multiple thematic digital assets in one go and build a diversified portfolio in less time.

Wealth solutions for private clients.

Accounts above $100,000 unlock access to a dedicated relationship manager, exclusive OTC services, custom terms, and rates.

Frequently asked questions.

Creating your Ritchi account is quick and straightforward.

Simply sign up, confirm your email, and complete a fast identity check. Once verified, you’ll be ready to start building wealth with Ritchi.

You can learn about the process in detail here.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Ritchi app, and maintain an account balance above $5,000 worth of digital assets. Once that’s done, you’ll be earning daily interest on your digital assets with our Flexible Savings offering.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Ritchi account.

Ritchi offers over 100 cryptocurrencies, including Bitcoin, Ethereum,
Solana, and USDC—all accessible through flexible payment options.

Choose between Apple Pay, Google Pay, bank transfers, or bank
cards, and purchase digital assets in the way that suits you best.

View the full list of assets here.

Once you buy or top up crypto, you can immediately access your
Credit Line to borrow funds—either sent to your bank account
or your Ritchi account in the form of stablecoins.

Visit our Help Center for more detailed information.

Driving the next generation of wealth.

Ritchi is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
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Earn daily compound interest on your digital assets.

Earn our highest rates for longer periods.

Swap over 100 digital assets seamlessly with a tap.

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Grow your savings

Let your assets work passively or use active strategies for high-yield returns.

Earn daily compound interest with Flexible Savings

Build your wealth with daily compound interest while keeping your funds available anytime.

Earn higher rates for longer with Fixed-term Savings

Earn more for a specific time period and achieve your long-term savings goals.

Earn high yield with
 Dual Investment

Use short or mid-term strategies to buy low and sell high. Earn yield while waiting for your target buy or sell conditions to be met.

Our annual savings rates for supported digital assets.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx