受法规约束，“收益”和/或“股票”适用于下列国家/地区注册的用户（个人和/或企业）。
部分企业类型暂不支持。若未显示将“存钱罐”或“余额”转换为“收益”或“股票”的选项，则表示您的企业暂无法开通该功能。我们将在功能开放时通知您。
适用国家/地区
以下是各国家/地区功能可用性的详细说明。请根据您注册地址所在国家/地区查阅对应细则。
如果您在 2024 年 2 月 14 日后开通余额或存钱罐
如果您的地址在奥地利、丹麦、爱沙尼亚、芬兰、法国、德国、匈牙利、意大利、卢森堡、荷兰、挪威、葡萄牙、西班牙、瑞典，且在 2024 年 2 月 14 日之后开通了余额或存钱罐：
资金将投资于以下“贝莱德ICS英镑政府流动性基金”两种可选份额类别中的一种：“Premier Acc (GBP) (Accumulating) IE00B43PVC83”或“Premier Acc T0 (GBP) (Accumulating) IE00B40L6351”
奥地利
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 余额和存钱罐 |
您可以将[余额] (https://wise.com/help/articles/2897234) 和[存钱罐] (https://wise.com/help/articles/2978074) 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
丹麦
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 余额和存钱罐 |
您可以将[余额] (https://wise.com/help/articles/2897234) 和[存钱罐] (https://wise.com/help/articles/2978074) 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
爱沙尼亚
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 余额和存钱罐 |
您可以将[余额] (https://wise.com/help/articles/2897234) 和[存钱罐] (https://wise.com/help/articles/2978074) 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
芬兰
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 余额和存钱罐 |
您可以将[余额] (https://wise.com/help/articles/2897234) 和[存钱罐] (https://wise.com/help/articles/2978074) 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
法国
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 余额和存钱罐 |
您可以将[余额] (https://wise.com/help/articles/2897234) 和[存钱罐] (https://wise.com/help/articles/2978074) 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
德国
| 功能 | 说明 |
|---|---|
| 资产类型 | 收益和股票 |
| 适用对象 | 个人和企业用户 |
| 资金到账时效 | 即时 |
| 可投资范围 | 仅存钱罐 |
您可以把存钱罐 转换为：
| 资产功能 | 基金 |
|---|---|
| 股票 | 贝莱德管理的 [iShares World Equity Index Fund (LU)] (https://www.ishares.com/uk/individual/en/products/244080/blackrock-world-equity-index-n2-eur-fund) Class N2 EUR |
| 收益型基金（英镑） | 贝莱德管理的 BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) * |
| 收益型基金（欧元） | 贝莱德管理的 BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) |
| 收益型基金（美元） | 贝莱德管理的 BlackRock ICS US Treasury Fund Premier ACC (USD) |
希腊
| Feature | Details |
|---|---|
| Asset types | Interest |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (EUR) | JPMorgan Liquidity Funds — EUR Government CNAV Fund managed by JPMorgan |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 (GBP) managed by BlackRock* |
| Interest-earning fund (USD) | JPMorgan Liquidity Funds — USD Treasury CNAV Fund managed by JPMorgan |
匈牙利
| Feature | Details |
|---|---|
| Asset types | Interest only |
| Availability | Personal and Business customers |
| Fund access speed | Non-instant |
| Where you can invest | Jars only |
You can switch your Jars to:
| Assets | Fund |
|---|---|
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) Managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) Managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) Managed by BlackRock |
爱尔兰
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR Managed by BlackRock |
| Interest-earning fund (EUR) | JPMorgan Liquidity Funds - EUR Government CNAV Fund Managed by JPMorgan |
| Interest-earning fund (USD) | JPMorgan Liquidity Funds - USD Treasury CNAV Fund Managed by JPMorgan |
意大利
| Feature | Details |
|---|---|
| Asset types | Interest |
| Availability | Personal and business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
卢森堡
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
荷兰
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
挪威
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Non-instant |
| Where you can invest | Jars only |
You can switch your Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
葡萄牙
| Feature | Details |
|---|---|
| Asset types | Interest |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
西班牙
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Instant |
| Where you can invest | Currencies and Jars |
You can switch your currencies and Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
瑞典
| Feature | Details |
|---|---|
| Asset types | Interest and Stocks |
| Availability | Personal and Business customers |
| Fund access speed | Non-instant |
| Where you can invest | Jars only |
You can switch your Jars to:
| Assets | Fund |
|---|---|
| Stocks | iShares World Equity Index Fund (LU) Class N2 EUR managed by BlackRock |
| Interest-earning fund (GBP) | BlackRock ICS Sterling Government Liquidity Fund Premier Acc T0 + T1 (GBP) managed by BlackRock* |
| Interest-earning fund (EUR) | BlackRock ICS Euro Government Liquidity Fund Premier Acc T0 (EUR) managed by BlackRock |
| Interest-earning fund (USD) | BlackRock ICS US Treasury Fund Premier ACC (USD) managed by BlackRock |
常见问题解答
如果我以“收益”或“股票”形式持有资金，然后搬到其他国家/地区，会怎么样？
如果您在搬到另一个国家/地区之前投资了余额或存钱罐中的资金，这些资金将继续保持为投资资金。
当您搬到另一个国家/地区以后：
您可以继续向现有的利息和股票余额或储蓄罐中添加资金，我们将像往常一样进行投资。
在您返回这些服务可用的国家之前，您无法将其他余额或“存钱罐”转换为“利息”或“股票”。
如果您决定将已投资的余额或“存钱罐”转为现金，则无法再将该余额或“存钱罐”切换为“收益”或“股票”。
有一些例外情况：
美国或以色列：如果您的新地址位于美国或以色列，系统会在地址更新后立即将您已投资的余额和“存钱罐”卖出，转为现金。
加拿大：如果您从新加坡移居到加拿大，系统会在地址更新后立即将已投资到“收益”的美元余额或“存钱罐”卖出，转为现金。
我是美国公民/纳税人，能使用“收益”和“股票”功能吗？
目前不能。受基金合作方监管限制，美国公民/纳税人均无法开通该功能，美国双重国籍人士也不能将余额和“存钱罐”转换为“收益”或“股票”。
虽然美国暂不支持 Wise 收益功能，但还有其他方式可以通过 Wise 赚取收益。