Give your money a boost
Earn returns on EUR and USD 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 not guaranteed*
Capital at risk, growth not guaranteed*
EUR2.2%
USD3.58%
How interest works
Turn on InterestTurn on InterestYour money is invested in an interest-earning fund that holds government-guaranteed assets.
Get gains dailyGet gains dailyReturns are added to your money every working day — and you can use them right away.
Spend any timeSpend any timeContinue to send and spend your money. With Interest, there's no need to lock your money away.
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. The rate was last updated 23/09/2026. Past performance doesn't guarantee future growth.
2.2% on EUR
After 0.29% annual fee3.58% on USD
After 0.31% annual feeEUR fund follows the European Central Bank rateThe graph shows past performance of the BlackRock ICS Euro Government Liquidity Fund. The fund has returned a 1.57% annual average over the last 5 years, excluding Wise fees. The current rates do not guarantee future growth and your return may increase or decrease as a result of currency fluctuations. For more on the fund's past performance, visit the BlackRock fund page.
2021
2022
2023
2024
2025
USD fund follows the US Federal Reserve rateThe graph shows past performance of the BlackRock ICS US Treasury Fund. The fund has returned a 3.18% annual average over the last 5 years, excluding Wise fees. The current rates do not guarantee future growth and your return may increase or decrease as a result of currency fluctuations. For more on the fund's past performance, visit the BlackRock fund page.
2021
2022
2023
2024
2025
Keeping your money safe
When you invest with Interest, you invest in low-risk government-guaranteed assets.
Switch on with 1 EUR or USD
Switch Interest on, or off, whenever you like. Choose the right currencies for you — pounds, euros or dollars. You'll get gains each working day, and you can use them right away. Growth not guaranteed.1
FAQ
When you turn on Interest, your money is invested in a fund holding government-guaranteed assets. The fund aims to maximise current income through a portfolio of high quality short-term money market instruments and tracks the interest rate offered by the central bank of the currency — and unlike traditional bank accounts, your return will change soon after the central bank rate changes. We'll update the value of your money every working day, so there's no more waiting a month to get what's yours.
All financial investments involve an element of risk. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed.
The EUR fund is called the BlackRock ICS Euro Government Liquidity Fund and is offered through Wise Assets. View the Key Investor Document and Current Fund Information.
The USD fund is called the BlackRock ICS US Treasury Fund and is offered through Wise Assets. View the Key Investor Document and Current Fund Information.
Learn more about how Interest works
All financial investments involve an element of risk. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed.
The EUR fund is called the BlackRock ICS Euro Government Liquidity Fund and is offered through Wise Assets. View the Key Investor Document and Current Fund Information.
The USD fund is called the BlackRock ICS US Treasury Fund and is offered through Wise Assets. View the Key Investor Document and Current Fund Information.
Learn more about how Interest works
When you use Interest, you can send and spend your money whenever you want — including your gains.
If your money is in a jar, you'll need to move it to your main account if you want to spend it.
You can transfer up to 120,000 EUR each day from Interest currencies. Any amount over 120,000 EUR adds a processing time of up to 2 working days.
In certain circumstances we might need to temporarily limit the amount of money you can withdraw, send or spend each day. But you'd still always be able to get full access to your money within 2 working days.
Learn more about managing your money
If your money is in a jar, you'll need to move it to your main account if you want to spend it.
You can transfer up to 120,000 EUR each day from Interest currencies. Any amount over 120,000 EUR adds a processing time of up to 2 working days.
In certain circumstances we might need to temporarily limit the amount of money you can withdraw, send or spend each day. But you'd still always be able to get full access to your money within 2 working days.
Learn more about managing your money
Interest is considered low risk because the assets the fund invests in are government-guaranteed.
The fund that Interest uses is designed to be stable and it's unlikely your money could go down in value. This could happen if interest rates get close to 0%, go negative, or if the government defaults on their debt.
Learn more about safety
The fund that Interest uses is designed to be stable and it's unlikely your money could go down in value. This could happen if interest rates get close to 0%, go negative, or if the government defaults on their debt.
Learn more about safety
For EUR: The annual fee is 0.29% and includes what you pay Wise (0.13%) and what you pay the fund manager (0.16%). This means you'll pay an annual fee of 2.90 EUR if you hold 1,000 EUR in Interest.
For USD: The annual fee is 0.31% and includes what you pay Wise (0.15%) and what you pay the fund manager (0.16%). This means you'll pay an annual fee of 3.10 USD if you hold 1,000 USD in Interest.
Both fees are based on the daily amount you hold in Interest. The Wise fee is charged monthly and will be taken out of your account on the 1st of every month. The fund manager includes their fee in the value of your investment, so you won't see it charged as a separate fee.
Learn more about fees
For USD: The annual fee is 0.31% and includes what you pay Wise (0.15%) and what you pay the fund manager (0.16%). This means you'll pay an annual fee of 3.10 USD if you hold 1,000 USD in Interest.
Both fees are based on the daily amount you hold in Interest. The Wise fee is charged monthly and will be taken out of your account on the 1st of every month. The fund manager includes their fee in the value of your investment, so you won't see it charged as a separate fee.
Learn more about fees
You may have to pay tax if you use Interest — for example, capital gains tax. This depends on the country you pay tax in and your financial circumstances.
We unfortunately can't give you tax advice, but you can learn more about requirements in different countries here. You can also request a report with information that can help you complete your tax return.
Learn more about taxes
We unfortunately can't give you tax advice, but you can learn more about requirements in different countries here. You can also request a report with information that can help you complete your tax return.
Learn more about taxes
Trust us to look after your money
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