How interest works
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.
*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 19/03/2024. See the past performance of each fund below.
Turn on Interest
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Your money is invested in an interest-earning fund that holds government-guaranteed assets.
Get gains daily
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Returns are added to your money every working day — and you can use them right away.
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Spend any time
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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 TINV Europe AS. 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 19/03/2024. Past performance doesn't guarantee future growth.
3.67% on EUR
Includes 0.27% annual fee
4.66% on GBP
Includes 0.56% annual fee
5.05% on USD
Includes 0.29% annual fee
EUR fund tracks the European Central Bank rate
- Fund Rate
The graph shows past performance of the BlackRock ICS Euro Government Liquidity Fund. The fund has returned a 0.14% annual average over the last 5 years, excluding Wise fees. The current rates do not guarantee future growth and your return may increase or decrease as a result of currency fluctuations. 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 20,000 EUR under The Estonian Investor Protection Sectoral Fund.
You may also be eligible for protection up to 20,000 EUR under The Estonian Investor Protection Sectoral Fund.
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.
FAQ
Your money, your way
Manage your international money in a single place with a Wise account.
Do more with Wise
Enjoy an account that’s as worldly as you are
Send money abroad at a real rate
Pay your way around the world with the Wise card
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.