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Wise Interest

Wise · money market fund, not a savings account

Open with Wise
Interest per year
1.57%promo, then 1.72%
Access to your money
Instantwithdraw any day
Deposit guarantee
Not coverednot re-confirmed: see account details
Minimum deposit
Noneno maximum

Unconfirmed since 5 October 2026. Our daily check hasn’t been able to confirm these figures for over 30 days, so we no longer rank this product. Check the provider’s site before you apply.

Checked against Wise’s own pages on 4 October 2026: interest rate, what it is; deposit guarantee. Terms change: check them there before you apply.

About this account

Earn interest on EUR balance through BlackRock money market fund. Variable rate (~1.57% avg net of 0.26% fee). Best if you already use Wise for international transfers. Not a guaranteed deposit rate.

Best for: Wise Users, Multi Currency, Flexible

Pros and cons

What we like

  • Interest paid monthly
  • No lock-up period
  • Excellent for multi-currency
  • Instant access to funds

What to consider

  • Not a bank deposit (money market fund)
  • Not covered by €100k deposit guarantee
  • Rate is variable and net of 0.26% fund fee
  • Estonian investor protection only (€20k)

Every rate

Standard rate
1.72% a year
Promotion
1.57% promotional rate, then 1.72%

In other currencies

Not comparable with euro rates: what you earn can be wiped out by the exchange rate.

GBP savings
3.29% · Pounds in a money market fund, after a 0.55% annual fee; 7-day return as of 23 September 2026. Not a deposit; capital at risk; currency risk against the euro. · Not re-confirmed since 5 October 2026.
USD savings
3.61% · Dollars in a money market fund, after a 0.28% annual fee; 7-day return as of 23 September 2026. Not a deposit; capital at risk; currency risk against the euro. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on Wise’s own pages on 5 October 2026: source 1. They change often; check the provider before you open an account.

Account details

Minimum deposit
None required
Maximum deposit
No limit
Withdrawal access
Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.
What it is
money market fund, not a savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.
Deposit protection
Not covered by a deposit guarantee scheme. A money market fund, not a bank deposit. Wise Assets Europe AS is covered by the Estonian investor protection fund up to €20,000 if Wise fails; that doesn't cover losses in the fund.Not re-confirmed since 4 October 2026: check with the provider before you apply.
BSN
Not stated by Wise.
Open with Wise

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