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Give your money a boost

Earn returns on SGD and USD by opening a Wise account and investing in an interest-earning fund. Spend any time, all while you grow. Capital at risk.
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  • SGD2.71%
  • USD3.46%

*The return for SGD is based on annualised amortised rate as of 3/21/2025 and the return for USD is based on 7 day performance as of 3/26/2025. Both do not guarantee future growth. Rate not guaranteed and is projected based on how much your money could grow over a year. Capital may be at risk. Past performance is not indicator of future performance.

How interest works

  • Turn on Interest
    Turn on Interest

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

  • Get gains daily
    Get gains daily

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

  • Spend any time
    Spend any time

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

Interest is offered in partnership with Lion Global and Franklin Templeton, 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. The rate was last updated 3/21/2025. Past performance doesn't guarantee future growth.

  • 2.71% on SGD
    2.71% on SGD

    After 0.68% annual fee

  • 3.46% on USD
    3.46% on USD

    After 0.85% annual fee

Keeping your money safe

The fund Interest uses is designed to be stable and is considered low risk because the assets are guaranteed by governments, or invested in large companies with high credit ratings.

Learn more about safety

Switch on with 1 SGD or USD

Returns are added to your money every working day — and you can use them right away. Send and spend your money, all while getting a return. Growth not guaranteed.1

Learn more about gains

FAQ

Trust us to look after your money

We help over 12.8 million people move £30 billion every quarter — here's how we make sure it's safe.

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

Your money, your way

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

Create an account

Do more with Wise in Singapore

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

Open an account
  • A Wise transfer of British pound to Euro.

    Send money worldwide

    Make fast and cheap international transfers and save on fees.

    Learn about transfers
  • Wise balance for Singapore dollar.

    Receive money fast

    Get paid easily in other currencies with global account details.

    Explore getting paid
  • A Wise debit card.

    Save on spending abroad

    Pay and withdraw cash worldwide without any foreign transaction fees.

    Learn about Wise cards
  1. All investment services are provided by Wise Asia-Pacific Pte Ltd to conduct regulated activities and provide custodial services by Monetary Authority of Singapore (MAS). 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 product and funds on our website.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.