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Earn a return while you grow your business

Earn returns on GBP, USD and EUR by opening a Wise account and investing in a fund that holds government-guaranteed assets. Spend any time, all while you grow. Capital at risk.

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*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

Turn on Interest

1

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

Get gains daily

2

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

Spend any time

3

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, which can vary throughout the year. The rate was last updated 14/11/2024.

4.26% on GBP

After 0.56% annual fee

2.99% on EUR

After 0.27% annual fee

4.46% on USD

After 0.29% annual fee

GBp fund tracks the bank of england rate

  • Fund Rate

The graph shows past performance of the BlackRock ICS Sterling Government Liquidity Fund. The fund has returned an 0.93% annual average over the last 5 years, excluding Wise fees. The current rates do not guarantee future growth. For more on the fund's past performance, visit the BlackRock fund page.

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).
Learn more about safety

Daily gains, instant access

Returns are added every working day and you can use them right away to ease your cash flow. Your team can continue to send and spend, all while getting a return. Growth not guaranteed.
Learn more about gains
Earn interest on your british pounds

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Investments can fluctuate, and your capital is at risk. The Variable rate is based on the performance of the Fund over a 7-day period ending on 14/11/2024. The Fund has achieved an average annual return of 0.93% over a 5-year rolling period exclusive of fees. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. 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