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Give your money a boost

Earn returns on GBP, EUR and USD by opening a Wise account and investing in a fund that holds government-guaranteed assets. Start with a penny, cent or dime. Spend any time, all while you grow. Capital at risk.
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  • GBP3.99%
  • EUR2.45%
  • USD4.11%

*This is a marketing communication. Growth is not guaranteed and your money is at risk if governments default or interest rates go negative. Variable rates are based on 7 day performance as of 12/02/2025. See the past performance of each fund below.

How interest works

  • Turn on Interest
    Turn on Interest

    Your money is invested in an interest-earning fund that holds government-guaranteed assets.

  • Get gains daily
    Get gains daily

    Returns are added to your money every working day — and you can use them right away.

  • Spend any time
    Spend any time

    Continue to send and spend your money. With Interest, there's no need to lock your money away.

Interest is offered in partnership with BlackRock and through Wise Assets Europe AS. The funds aim to maximise current income through a portfolio of high quality short-term money market instruments. 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 12/02/2025. Past performance doesn't guarantee future growth.

  • 3.99% on GBP
    3.99% on GBP

    After 0.56% annual fee

  • 2.45% on EUR
    2.45% on EUR

    After 0.27% annual fee

  • 4.11% on USD
    4.11% on USD

    After 0.29% annual fee

Keeping your money safe

When you invest with Interest, you invest in low-risk government-guaranteed assets.

Learn more about safety

Switch on with 1 GBP, EUR or USD

Switch Interest on, or off, whenever you like. Choose the right balances for you — pounds, euros or dollars. You'll get gains each working day, and you can use them right away. Growth not guaranteed.1

Switch on now

FAQ

Your money, your way

Manage your international money in a single place with a Wise account.

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Trust us to look after your money

Wise Europe helps over 12.8 million people move £30 billion every quarter — here's how we make sure it's safe.

  • Privacy and data
    We protect your details through strict standards and 2FA.
  • Dedicated support
    Questions? Get 24/7 help in 14 languages.
  • Don't take our word for it
    With over 200,000 reviews on Trustpilot, Wise's average score is 4.3 out of 5.
  1. Interest is offered through Wise Assets Europe AS, authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon). We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.