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Give your money a boost

Earn returns on USD, EUR and GBP by opening a Wise account and investing in an interest-earning fund. And pay only 1.1% IOF when you convert from BRL. Spend any time.

Capital at risk, growth not guaranteed*
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  • USD3.44%
  • EUR2.02%
  • GBP3.32%

How interest works

  • Get gains daily
    Get gains daily

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

  • Pay 1.1% IOF
    Pay 1.1% IOF

    You pay 1.1% IOF when you convert from BRL to your invested money.

  • Spend while you grow
    Spend while you grow

    You can send and spend from your invested money, and your returns are added every working day.

Interest is offered in partnership with BlackRock and through Wise Assets. The funds aim to maximise current income through a portfolio of high quality short-term money market instruments. 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 based on the fund's rate of return in the last 7 days and tracks the rate set by the central bank. The rate was last updated 8/5/2026. Past performance doesn't guarantee future growth.

3.44% on USD

After 0.28% annual fee

2.02% on EUR

After 0.26% annual fee

3.32% on GBP

After 0.55% annual fee

Keeping your money safe

Interest is considered low risk because the assets the fund invests in are government-guaranteed. It's provided in partnership with Genial Institucional, part of Genial, who are licensed by the Comissão de Valores Mobiliários.

You may also be eligible for protection up to £85,000 under the Financial Services Compensation Scheme (FSCS). As of 17 June 2025 this is approximately 630,000 BRL.

Learn more about safety

Switch on with 1 USD, EUR or GBP

Switch Interest on, or off, whenever you like. Choose the right currencies for you — dollars, pounds or euros. You'll get gains each working day, and you can use them right away. Growth not guaranteed.1

Switch on now

FAQ

Your money, your way

Manage your international money in a single place with a Wise account.

Create an account

Trust us to look after your money

We help over 18.9 million people move £30 billion every quarter — here's how we make sure it's safe.

  • Built-in security
    Biometrics, 2-step authentication and encryption keep your data secure.
  • Dedicated support
    Questions? Get 24/7 help in 14 languages.
  • Don't take our word for it
    With over 200,000 reviews on Trustpilot, Wise's average score is 4.3 out of 5.

Do more with Wise in Brazil

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

Open an account
  • BRL3,000482.12EUR

    Send money worldwide

    Make fast and cheap international transfers and save on fees.

    Learn about transfers
  • Wise balance for Brazilian real.

    Receive money fast

    At Wise, you can receive transfers with global account details in 23 different currencies.

    Explore getting paid
  • A Wise debit card.

    Save on spending abroad

    Pay and withdraw cash worldwide without any hidden fees or markups.

    Learn about Wise cards