Rates
When you opt in to earn interest, your USD, GBP and EUR will be held with our Program Bank**, where Wise earns interest. We use a small portion of the interest we earn on these funds to cover our operating expenses and we pass the rest along to you. The rates were last updated on 12/18/2025.
3.14% APY on USD3.14% APY on USD
2.21% APY on GBP2.21% APY on GBP
0.99% APY on EUR0.99% APY on EUR
Protected by passthrough FDIC insurance
When you open a Wise Account and opt in to earn interest on USD, EUR and GBP, those currencies are protected via passthrough FDIC insurance for up to a total of $250,000 through our Program Bank.**
Instant access to your money
Enjoy the same instant access when sending, spending and receiving money with your Wise account — so your money is available to you when you need it.
FAQ
Trust us to look after your money
We help over 14.8 million people move $11 billion every month — here's how we make sure it's safe.
- Built-in securityBiometrics, 2-step authentication and encryption keep your data secure.
- Dedicated supportQuestions? Get 24/7 help in 14 languages.
- Don't take our word for itWith over 200,000 reviews on Trustpilot, Wise's average score is 4.3 out of 5.
Do more with Wise in the US
You can use Wise for much more than just earning returns. Here is what's available, based on where you live.
Send money worldwide
Make fast and cheap international transfers and save on fees.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any hidden fees or markups.
