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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

Not verified since 5 October 2026. Our daily check hasn’t been able to confirm these figures, so 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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Rabo SpaargeldRabobankProduct type not re-confirmed
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