E-cash (Electronic cash) is an important Electronic payment tool, which is the bottleneck of e-commerce development. Most proposed e-cash schemes are unpractical although it has been studied more than two decades. One of the shortcomings is that the interest of e-cash between drawing and consuming is lost. An off-line interest countable electronic cash scheme is proposed in this paper. The e-cash’s interest can be counted from the time of customers drawing to paying in the scheme. The communication cost is reduced due to its off-line environment.