Skip to main content

Earn a return while you grow your business

Earn returns on GBP, USD and EUR by opening a Wise account and investing in a fund that holds government-guaranteed assets. Spend any time, all while you grow. Capital at risk.

*Growth is not guaranteed and your money is at risk if governments default or interest rates go negative. Variable rates are based on 7 day performance as of 01/11/2023. See the past performance of each fund below.

how interest works

Turn on Interest

1

Your money is invested in an interest-earning fund that holds government-guaranteed assets.

Get gains daily

2

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

Spend any time

3

Continue to send and spend your money. With Interest, there’s no need to lock your money away.

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.

Rates

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, which can vary throughout the year. The rate was last updated 01/11/2023.

4.67% on GBP

Includes 0.56% annual fee

5.08% on USD

Includes 0.29% annual fee

3.66% on EUR

Includes 0.27% annual fee

GBp fund tracks the bank of england rate

  • Fund Rate

The graph shows past performance of the BlackRock ICS Sterling Government Liquidity Fund. The fund has returned an 0.93% annual average over the last 5 years, excluding Wise fees. The current rates do not guarantee future growth. For more on the fund's past performance, visit the BlackRock fund page.

Keeping your money safe

The fund Interest uses is designed to be stable and is considered low risk because the assets it invests in are guaranteed by governments.

You may also be eligible for protection up to £85,000 under the Financial Services Compensation Scheme (FSCS).

Daily gains, instant access

Returns are added every working day and you can use them right away to ease your cash flow. Your team can continue to send and spend, all while getting a return. Growth not guaranteed.
Earn interest on your british pounds

FAQ

Your money, your way

Open a Wise Business account for a one-off fee.

Create an account

Trust us to look after your money

We help over 16 million people including 300,000 businesses move £9 billion every month — here’s how we make sure it’s safe.

Privacy and data

We protect your details through
strict standards and 2FA.
Privacy protection

Dedicated support

Questions? Get 24/7 help in 14 languages.
Support around the clock

Don’t take our word for it

With over 190,000 reviews on Trustpilot, Wise’s average score is 4.2 out of 5.
Customer reviews
Do more with Wise
Pay your way around the world with the Wise Business debit card
A 3D illustration of the Wise debit card

Interest is offered through Wise Assets. Wise Assets is a trading name of TINV Ltd, a new business subsidiary created to carry out investment activities and operate Assets. TINV Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you’re not sure, seek qualified advice. You can find more information about the funds on our website.