Summary: Wise lowers USD interest rate

Why It Matters: Wise changed the interest rate it offers on USD. This could affect how attractive their Wise Account is to some users.

What Changed:

• The Annual Percentage Yield (APY) for USD interest changed from 3.66% to 3.4%.
• The date for when the APY rates were true changed from 9/18/2025 to 10/30/2025.
• A new competitor, "Bank of America," was added to the comparison table for sending money from USD to PHP.
• The exchange rates and fees in the comparison table were updated.
• Some links changed from https://www.wise.com/ to https://wise.com/.