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Earn up to 4.85% APY* with our interest feature

You can receive interest on your USD, GBP and EUR balances by opting in to our interest feature. Instant access to your money and passthrough FDIC insurance up to $250,000 through our Program Bank.**

Phone showing USD held with the Wise interest feature


When you opt in to earn interest, your USD, GBP and EUR balances will be held with our Program Bank**, 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 rates were last updated on 01/01/2024.
4.85% APY on USD
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3.22% APY on GBP
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2.29% APY on EUR
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Protected by passthrough FDIC insurance

When you open a Wise Account and opt in to earn interest on USD, EUR and GBP, those balances are protected via passthrough FDIC insurance for up to a total of $250,000 through our Program Bank.**
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Instant access to your money

Enjoy 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.
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  • *Annual Percentage Yield (APY) - rates shown are true as of 01/01/2024. See Program Agreement for details.
  • **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 a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit Customers are responsible for monitoring their total assets at each of the Program Banks 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.
    For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of $250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).