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Give your money a boost

Earn returns on EUR, GBP and USD by opening a Wise account and investing in a fund that holds government-guaranteed assets. Start with a cent, penny or dime. Spend any time, all while you grow. Capital at risk.
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  • EUR2.99%
  • GBP4.26%
  • USD4.46%
Give your money a boost

*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 Interest
    Turn on Interest

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

  • 2

    Get gains daily
    Get gains daily

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

  • 3

    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. 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 14/11/2024. Past performance doesn't guarantee future growth.

  • 2.99% on EUR
    2.99% on EUR

    After 0.27% annual fee

  • 4.26% on GBP
    4.26% on GBP

    After 0.56% annual fee

  • 4.46% on USD
    4.46% on USD

    After 0.29% 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 20,000 EUR under The Estonian Investor Protection Sectoral Fund.

Learn more about safety

See gains every day

Returns are added to your money every working day — and you can use them right away. Send and spend your money, all while getting a return. Growth not guaranteed. 1

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FAQ

Your money, your way

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

Create an account

Do more with Wise in Finland

You can use Wise for much more than just sending money. Here is what's available, based on where you live.

  • A Wise transfer of British pound to Euro.

    Send money worldwide

    Make fast and cheap international transfers and save on fees.

    Learn about transfers
  • Wise balance for Euro.

    Receive money fast

    Get paid easily in other currencies with global account details.

    Explore getting paid
  • A Wise debit card.

    Save on spending abroad

    Pay and withdraw cash worldwide without any foreign transaction fees.

    Learn about Wise cards

  1. Interest is offered through TINV 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.