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Earn returns on your everyday money

Banks are happy to give you nothing. With us, you can turn on Wise Assets to get the convenience of a current account and the growth of an investment account all in one.1
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3.23%

Earn 3.23% variable rate.
Opt into Wise Assets to earn daily and spend instantly.
Capital at risk, taxes may apply

0%

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High street banks offer 0%.
Most current accounts have no return.
Money can decrease in value if governments default or interest rates go negative. Current rates do not guarantee future performance. Variable rate is based on 7 day performance as of 27/03/2026. For full 5 years past performance, learn more here.

How Wise Assets Works

Man leaning against a green tiled wall, holding a payment card and mail with three pills describing Wise Asset performance with GBP at 3.23%, USD at 3.41%, and EUR at 1.75%.
GBP3.23%
USD3.41%
EUR1.75%
Turn on Wise Assets

Invest in an interest-earning fund that holds secure government-guaranteed assets.

Ascending bar chart for Apr-Aug showing a positive trend of +10.32 GBP this month.

+10.32 GBP

This month
Get returns daily

Returns are added every working day, and they’re not locked away.

Two bright green Wise cards: one showing the brand logo and the other displaying account details for Sophie Beck
Spend instantly

Keep sending and spending your money while you earn.

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. The rate was last updated 27/03/2026. Past performance doesn't guarantee future growth.

  • 3.23% on GBP
    3.23% on GBP

    After 0.55% annual fee

  • 1.75% on EUR
    1.75% on EUR

    After 0.26% annual fee

  • 3.41% on USD
    3.41% on USD

    After 0.28% annual fee

Keeping your money safe

Wise Assets uses a fund that's designed to be stable and very low risk.

Money invested in Interest and Stocks is also eligible for up to £85,000 protection under the Financial Services Compensation Scheme.
Learn more about safety

FAQ

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.

Open an account
  • GBP1,0001,144.32EUR

    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 hidden fees or markups.

    Learn about Wise cards
  1. Your Wise Current Account is an e-money account, which means that funds are not protected under the Financial Services Compensation Scheme (FSCS). Instead, we safeguard your funds in line with our regulatory obligations. Learn more.

    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 27/03/2026. The Fund has achieved an average annual return of 3.03% 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.

    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. Learn more.