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Earn 4.33% APY

Instant access and passthrough FDIC insurance of up to $250,000 on your USD balance through our Program Bank.*

The same account, now better for our US customers.

Get the power of an international account for consumers and businesses, with the added security of up to $250,000 in passthrough FDIC insurance on your USD balance from our Program Bank.*

Grow what you’ve got with 4.33% APY

When you opt-in to earn interest, your USD balance will be held with our program bank(s) where Wise earns interest. We use a small portion of the interest we earn on these funds to cover our operating expenses and we pass the rest along to you.

The rate we can offer is dependent upon our program bank(s), and we’ll always let you know if there are any rate changes.

Protect your USD balance up to $250,000 with passthrough FDIC insurance via our Program Bank*

When you opt in to earn interest, your money is held and protected in our Program Bank.* Through this, your USD balance will now be eligible for up to $250,000 in passthrough FDIC insurance.

Instant access to your money

You’ll benefit from the same instant access when sending, spending and receiving money with your Wise account so your money is available to you when you need it.

Feature not available to residents of New York or Alaska at this time. Please see eligibility criteria.

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*The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For more information on FDIC insurance coverage, please visit Customers are responsible for monitoring their total assets at each of the Program Bank(s) to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.