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Earn 4.33% APY with our interest feature

When you open a Wise Account you can receive interest on your USD balance by opting in to our interest feature. Instant access to your money and passthrough FDIC insurance up to $250,000 through our Program Bank.*

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Phone showing USD held with the Wise interest feature

Boost your balance with 4.33% APY

APY means Annual Percentage Yield. 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.
Earn interest on your US dollars

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

When you open a Wise Account you can receive interest on your USD balance by opting in to our interest feature. Instant access to your money and passthrough FDIC insurance up to $250,000 through our Program Bank.*
Read program agreement
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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.
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We help over 16 million people move $11 billion every month — here’s how we make sure it’s safe.

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We protect your details through strict standards and 2FA.
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With over 140,000 reviews on Trustpilot, Wise’s average score is 4.3 out of 5.
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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 www.FDIC.gov. 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.