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AQRU review 2024

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AQRU Cryptocurrency Exchange
Finder score
Fiat currencies
Supported assets

Our verdict

An exchange which pledges yields and transparent fees.

AQRU does what it has set out to do - give customers a chance to earn competitive rates on their crypto holdings. This combined with the fact there are no deposit fees for bank or crypto transfers and no lock-in periods for crypto assets invested, make it an innovative platform. Its crypto services are based in Bulgaria and the site says it's not for UK retail investors, but professional investors.

The interface is easy to use and AQRU covers off the major cryptocurrencies of Bitcoin and Ethereum, as well as supporting stablecoins. Just be aware that there is a minimum deposit amount. Also, there is a relatively high fee for crypto withdrawals, charged in the asset you are withdrawing.


  • Earn rates
  • No fees on fiat deposits or withdrawals
  • Easy to use interface
  • Single all-in exchange cost of 0.35%


  • Limited supported currencies
  • Not registered with FCA
  • Minimum deposit of €100
  • High fee for crypto withdrawals

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews


Product details

Product Name AQRU Cryptocurrency Exchange
Fiat Currencies GBP, EUR, USD, CAD
Cryptocurrencies USDT, USDC, DAI, BTC, ETH
Deposit Methods Bank transfer
Credit card
Deposit Fees Free for bank transfer, card fees apply
Withdrawal Fees Free for fiat, $20 for crypto
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

Overview of AQRU

AQRU was established to create a platform where customers have the chance to earn yields on their crypto holdings through a simple and easy to use platform. Its crypto services are based in Bulgaria and the site says it is not for UK retail investors but for investment professionals only. It offers a maximum 3% return when investing stablecoins such as USDT, USDC and DAI, and up to 1% with BTC and ETH. It has also expanded its services to include a crypto exchange, which charges one single all-in cost of 0.35% commission on each exchange and offers institutional exchange rates.

AQRU has kept its fee structure straightforward – there are no fees for bank or crypto transfers or when purchasing crypto, and no fees for fiat withdrawals. There is also no lock-in period, so investors can withdraw funds and receive them within 24 hours.

It’s important to understand that AQRU acts as a custodian of investors’ crypto assets and has full control once funds are deposited. It lends out digital assets to institutional and retail borrowers as well as participating on decentralised exchanges. However, it states that funds are 100% collateralised which makes funds easily accessible.

  • The site is for professional investors, not UK retail investors.
  • If you’re switching exchanges. You could earn a yield on your crypto assets, and benefit from a single charge on its exchange.

Finder Ratings for AQRU

Supported cryptocurrencies★★★★★
Transferring money or assets★★★★★
Fees and costs★★★★★
Ease of use★★★★★
Customer service★★★★★
Overall score4

What to know about AQRU

AQRU is designed to enable crypto investors to earn a yield on their digital assets. It does this by lending out crypto assets to institutional investors and retail borrowers, as well as participating in and supporting decentralised exchanges. The level of yields is driven by the market and paid out in cryptocurrency. As a result, as the crypto market develops further and matures, we may see rates reducing.

It promises no-lock in periods. It’s worth knowing that the company is not registered with the UK’s Financial Conduct Authority as it is based in Bulgaria, but it is a subsidiary of Accru Finance, which is registered in England and Wales. Crypto is not regulated but companies with a UK base must register with the watchdog for anti-money laundering checks.

AQRU has a crypto exchange. Much like its earn service, this has transparent pricing and institutional exchange rates.

Supported cryptocurrencies

AQRU’s return rates are linked to stablecoins and the top tier cryptocurrencies of BTC and ETH. You can deposit the following coins via a crypto transfer:

How much yield investors might earn on your crypto assets will depend on which cryptocurrency they choose to invest.

For its crypto exchange, investors can buy, sell or trade the following coins:

  • BTC
  • ETH
  • DAI
  • USDT
  • USDC
  • DOGE
  • FTM
  • CRV
  • CRO
  • UNI

Transferring fiat and cryptocurrency

There are several options for transferring fiat or cryptocurrency to AQRU. To deposit fiat, investors can choose between making a bank transfer or a credit card payment. There may be fees attached to card payments. Alternatively, investors can choose to transfer an existing crypto balance. Supported coins include BTC, ETH, USDT, USDC and DAI.

For crypto deposits, there is a minimum deposit amount of $100 of the deposited cryptocurrency. Similarly for fiat deposits, investors will need to make a minimum deposit of €100.

When it comes to withdrawals, investors can either withdraw crypto from their account or withdraw fiat to an account in their name. The account receiving funds must match the name registered to the AQRU account and must be within a country supported by SEPA.

Fees and costs

AQRU has minimal fees and aims to be transparent with the ones it does charge. There are no fees for bank transfers or crypto deposits. However, there are fees attached to card payments, but these are charged by the card provider.

There is a $20 withdrawal fee for crypto withdrawals, which is on the high side, charged in the asset you are withdrawing. But there is no fee for fiat withdrawals.

For its exchange, it has an all-in charge of 0.35% commission for each exchange transaction. AQRU also only charges the institutional exchange rates, so you can benefit from the same rate it gets on its own exchanges.

Fiat withdrawal and deposit fees
Crypto withdrawal and deposit fees
£0$20 charged in the coin you withdraw

What is it like to use AQRU?

AQRU has a simple interface which makes it easy to get started investing your crypto assets.

Getting started

Signing up is simple, with the whole process taking less than 20 minutes.

AQRU Image 1

ID verification

Powered by onfido, the KYC process can all be done through your phone.

AQRU Image 2

Mobile app

AQRU’s app is easy to use, enabling deposits within a few clicks.

AQRU Image 3

Does AQRU have good customer support?

If you want to contact AQRU you can submit a form through its website, use its chat feature or send an email to Response times vary slightly, although you should hear something back that same day. AQRU promises a response in under an hour if you use its chat feature.

Reviews on Trustpilot are also positive, with several reviewers commenting on how helpful and responsive AQRU’s customer service team had been.

Support offeredWait times
Contact us formCheck iconSame day
Live chatCheck iconWithin an hour
Email supportCheck iconSame day

List of services on AQRU

AQRU’s main selling point is its earning product, so its other services are fairly limited.

Trust rating

Signing up on AQRU

Go through a step-by-step guide on the sign-up process, and how to pass KYC.

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Disclaimer: Star ratings are only displayed for products with 10 or more reviews.
* Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply. Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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