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Give your money a boost

Earn returns on GBP, USD and EUR 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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  • GBP4.26%
  • USD4.46%
  • EUR2.99%
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.

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 GBP
    4.26% on GBP

    After 0.56% annual fee

  • 4.46% on USD
    4.46% on USD

    After 0.29% annual fee

  • 2.99% on EUR
    2.99% on EUR

    After 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).

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

We help over 10 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.

Do more with Wise in the UK

You can use Wise for much more than just earning returns. 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 British pound.

    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. 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