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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 penny, cent or dime. Spend any time, all while you grow.

Capital at risk, growth not guaranteed*
Open an account
  • EUR1.69%
  • GBP3.32%
  • USD3.53%

How interest works

  • Turn on Interest
    Turn on Interest

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

  • Get gains daily
    Get gains daily

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

  • Spend any time
    Spend any time

    Continue to send and spend your money. With Interest, there's no need to lock your money away.

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 02/01/2026. Past performance doesn't guarantee future growth.

  • 1.69% on EUR
    1.69% on EUR

    After 0.29% annual fee

  • 3.32% on GBP
    3.32% on GBP

    After 0.55% annual fee

  • 3.53% on USD
    3.53% on USD

    After 0.31% annual fee

Keeping your money safe

When you invest with Interest, you invest in low-risk government-guaranteed assets.

Learn more about safety

Switch on with 1 EUR, GBP or USD

Switch Interest on, or off, whenever you like. Choose the right currencies 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.

Create an account

Trust us to look after your money

Wise Europe helps over 14.8 million people move £30 billion every quarter — here's how we make sure it's safe.

  • Built-in security
    Biometrics, 2-step authentication and encryption keep your data secure.
  • 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.
  1. 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 02/01/2026. 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.