How interest works
Give your money a boost
Earn returns on GBP, USD and EUR by opening a Wise account and investing in a fund that holds government-guaranteed assets. Start with a penny, cent or dime. 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 31/01/2024. See the past performance of each fund below.
Turn on Interest
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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.
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Spend any time
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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.
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, which can vary throughout the year. The rate was last updated 19/03/2024.
4.66% on GBP
Includes 0.56% annual fee
5.05% on USD
Includes 0.29% annual fee
3.67% on EUR
Includes 0.27% annual fee
GBP fund follows 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 1.31% 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).
You may also be eligible for protection up to £85,000 under the Financial Services Compensation Scheme (FSCS).
Switch on with 1 GBP, EUR or USD
Switch Interest on, or off, whenever you like. Choose the right balances for you — pounds, euros or dollars. You’ll get gains each working day, and you can use them right away. Growth not guaranteed.1
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1 Investments in funds are never guaranteed and your capital can be at risk. Variable rate is based on 7 day performance as of 19/03/2024. This fund has returned a 1.31% annual average over the last 5 years, excluding Wise and fund manager fees. Interest is offered through Wise Assets. Wise Assets is a trading name of TINV Ltd, a subsidiary of Wise. TINV Ltd is authorised as investment firm 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