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Updated 1 May 2026

Wise

Wise Interest

Interest rate
1.72%APY
Access
Instant
Protection
Limited

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Best for:Wise UsersMulti CurrencyFlexible

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.

Rates last verified: 1 May 2026

The verdict

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)

Account details

Standard interest rate1.72% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protectionLimited protection
Earn up to
1.72%
annual interest

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Quick facts

Provider
Wise
Access time
Instant
Compare other accounts

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