Give your money a boost
GBP4.26%
USD4.46%
EUR2.99%
*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 14/11/2024. See the past performance of each fund below.
How interest works
1
Turn on InterestTurn on InterestYour money is invested in an interest-earning fund that holds government-guaranteed assets.
2
Get gains dailyGet gains dailyReturns are added to your money every working day — and you can use them right away.
3
Spend any timeSpend any timeContinue 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. 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.
The rates you’ll get with us
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, which can vary throughout the year. The rate was last updated 14/11/2024.
4.26% on GBP4.26% on GBPAfter 0.56% annual fee
4.46% on USD4.46% on USDAfter 0.29% annual fee
2.99% on EUR2.99% on EURAfter 0.27% annual fee
Keeping your money safe
The fund Interest uses is designed to be stable and is considered low risk because the assets it invests in are guaranteed by governments.
You may also be eligible for protection up to £85,000 under the Financial Services Compensation Scheme (FSCS).
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
FAQ
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Do more with Wise in the UK
You can use Wise for much more than just sending money. 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.
- Investments in funds are never guaranteed and your capital can be at risk. Variable rate is based on 7 day performance as of 14/11/2024. This fund has returned a 0.93% annual average over the last 5 years, excluding Wise and fund manager fees. Interest is offered through Wise Assets. Wise Assets is a trading name of TINV Ltd, a subsidiary of Wise. TINV Ltd is authorised as investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. 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