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Updated 26 April 2026

Wise Interest

by Wise

Interest rate
1.72%APY
Access
Instant
Protection
Limited
1.72
% APY
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: 26 April 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

You'll need your BSN and valid ID

Quick facts

Provider
Wise
Access time
Instant
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