Give your money a boost
AUD3.35%
USD3.58%
How interest works
Explore Interest*Explore Interest*With Interest, your money is invested in a fund holding government-guaranteed assets.
Get gains dailyGet gains dailyReturns are added to your investment every working day — and you can use them right away.
Send and spendSend and spendContinue to use your money. With Interest, there's no need to lock your money away, but do check the limits.
Interest is the name of a custody and nominee service provided by Wise Australia Investments Pty Ltd in partnership with Franklin Templeton. The funds aim to maximise current income through a portfolio of government-backed instruments. These include, for example, short-term Australian government fixed income securities and bank deposits. 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 31/01/2025. Past performance doesn't guarantee future growth.
- 3.35% on AUD3.35% on AUD
After 0.72% annual fee
- 3.58% on USD3.58% on USD
After 0.72% annual fee
Keeping your money safe
When you invest with Interest, you invest in low-risk government-guaranteed assets.
Start with just 1 AUD or USD
Start, or stop, investing with Interest whenever you like. You'll get gains each working day, and you can use them right away. Growth not guaranteed.1
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Do more with Wise in Australia
You can use Wise for much more than just earning returns. Here is what's available, based on where you live.
Send money worldwide
Make fast and cheap international transfers and save on fees.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
- This general advice presented by Wise Australia Investments Pty Ltd (AFSL: 545411) has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the product is appropriate for your financial circumstance and read the fund's Product Disclosure Statement before making a decision on the advice.
Investments can fluctuate, and your capital is at risk. Interest is not a deposit product and your capital is not protected under the Financial Claims Scheme. The Variable rate is based on the Yield to Maturity as of 31/01/2025 and is exclusive of Wise fees. Past performance does not guarantee future growth. Franklin Templeton is the issuer and fund manager of the Franklin Templeton Cash Fund.
Interest is offered by Wise Australia Investments Pty Ltd ACN 659 961 083. Wise Australia Investments Pty Ltd holds an Australian Financial Services licence (AFSL) number 545411 issued by the Australian Securities & Investments Commission (ASIC). The currency account is provided by Wise Australia Pty Ltd (AFSL: 513764).
Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.