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Give your money a boost

Earn a variable return on AUD and USD by putting your money in a fund that invests in government-guaranteed assets. Gains get reinvested, or you can send and spend them.

Capital at risk, growth not guaranteed*
  • AUD3.68%
  • USD2.96%

*Capital at risk. Past performance does not guarantee future returns. The rate is an estimated variable rate of return and is based on yield to maturity as of 31/05/2026.

How interest works

  • Explore Interest*
    Explore Interest*

    With Interest, your money is invested in a fund holding government-guaranteed assets.

  • Get gains daily
    Get gains daily

    Returns are added to your investment every working day — and you can use them right away.

  • Send and spend
    Send and spend

    Continue to use your money. With Interest, there's no need to lock your money away, but do check the limits.

* Capital at risk, growth not guaranteed.
Interest is the name of a custody and nominee service provided by Wise Australia Investments Pty Ltd in partnership with Franklin Templeton. The funds aim to maximise current income through a portfolio of government-backed instruments. These include, for example, short-term Australian government fixed income securities and bank deposits. You may have to pay tax on your earnings — for example, capital gains tax.

The rates you'll get with us

The rate we show is how much your money could grow over a year. It's an estimated variable rate of return and is based on yield to maturity as of 31/05/2026. Past performance doesn't guarantee future growth.

  • 3.68% on AUD
    3.68% on AUD

    After 0.72% annual fee

  • 2.96% on USD
    2.96% on USD

    After 0.72% annual fee

Keeping your money safe

When you invest with Interest, you invest in low-risk government-guaranteed assets.

Learn more about safety

Start with just 1 AUD or USD

Start, or stop, investing with Interest whenever you like. You'll get gains each working day, and you can use them right away. Growth not guaranteed.1

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Do more with Wise in Australia

You can use Wise for much more than just earning returns. Here is what's available, based on where you live.

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  • AUD1,00042,689.73PHP

    Send money worldwide

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