Skip to main content

Give your money a boost

Earn returns on EUR and GBP by opening a Wise account and investing in a fund that holds government- guaranteed assets. No need to lock your money away, no fuss. Capital at risk.

Earn returns on EUR and GBP by opening a Wise account

*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.

How interest works

Turn on Interest


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

Get gains daily


Returns are added to your money every working day — so you don’t have to wait to get what’s yours.

Use your money


Withdrawing money takes up to 2 working days — with no withdrawal fees. It’s then ready to send and spend.

Interest is offered in partnership with BlackRock and through TINV Europe AS. 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 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 31/01/2024. Past performance doesn't guarantee future growth.

3.66% on EUR

Includes 0.27% annual fee

4.67% on GBP

Includes 0.56% annual fee

EUR fund tracks
the European Central Bank rate

  • Fund Rate

The graph shows past performance of the BlackRock ICS Euro Government Liquidity Fund. The fund has returned a 0.14% 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.

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 20,000 EUR under The Estonian Investor Protection Sectoral Fund.

See gains every day

Returns are added to your money every working day — so there’s no more waiting around to get what’s yours. Continue sending and spending your money, all while getting a return. Growth not guaranteed.
Earn interest on your Euros


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 16 million people 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 200,000 reviews on Trustpilot, Wise’s average score is 4.2 out of 5.
Customer reviews
Do more with Wise

Interest is offered through TINV Europe AS, authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon). 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.