Built to Reward Commitment
Set your term, lock your rate, and let compounding do the rest. No chasing yields. No rate anxiety
Ready in Minutes
Open a Fixed Earn Account directly in your Wirex One app. Choose your asset, pick your term, and lock in your rate — the whole process takes under two minutes
Exceptional Fixed Yield, Daily
Earn up to . 9.75% APR on stablecoins, up to 8.25% on crypto, and up to 7.75% on WPAY. Your rate is set at the moment you open the account — and it stays there for the full term.
Your Keys. Your Assets. Always.
Built around the principle of true ownership. Your account keys are created by you and remain under your control. Your assets stay yours throughout your entire earning journey.
Predictable Returns
Market conditions may change, but your fixed rate won't. Once your account is opened, your APR is locked for the entire term, giving you certainty from day one
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Choose Fixed. Earn More. Stay in Control.
Lock in elevated yieldswhile your savings travel with you. Ideal forlong-term goals, stable portfolios and predictable growth — wherever you're headed next
Flexible durations from 1 to 24 months
Higher rates for longer commitments
Real-time Insights — full visibility, always
Interest calculated daily, paid weekly
Built For Life Without Borders
Everything a frequent traveler needs from a bank — and none of what they don't
Zero Maintenance Fees. Every cent of your balance earns — no hidden deductions, no platform charges quietly eating into your return
Set the Rate. Let It Grow. Fix your APR the moment you open — it doesn't move for the full term, regardless of what markets do
Spend Abroad. Pay No FX Markups. Real exchange rate on every transaction, in every country — no 2–3% FX for using your own money where you actually are
One Platform. Everywhere. Earn, spend, and manage your assets from a single account whether you're at home, abroad, or constantly on the move.
Your Earn Never Stops. When your term ends, autorenew locks in the next one automatically — no idle days, no manual restarts, no money sitting dormant
From Landing to Earning. Lock your rate before boarding. Spend fee-free the moment you land. One premium platform — no bank required.
Frequently Asked Questions
Everything you need to know about Fixed Earn
Choose an asset, select a term from 1 to 24 months, and lock in your rate. Interest is calculated daily and paid weekly — your APR is fixed at the point of opening and doesn't change for the full term, regardless of market conditions.
Terms run from 1 to 24 months. The longer you commit, the higher your rate — a 12-month account earns more than a 1-month account on the same asset. Your projected earnings are shown before you confirm, so you can choose with full visibility.
Fixed Earn Accounts are designed for commitment, and do not support early withdrawals. All terms are displayed clearly before you confirm, so there are no surprises. Check the account details screen for the exact conditions on your chosen product.
When your Fixed Earn Account reaches maturity, one of two things will happen depending on your settings:
· Autorenew enabled — your funds and earned rewards will automatically roll into a new Fixed Earn term at the prevailing rate available at the time of renewal.
· Autorenew disabled — your funds and earned rewards will be returned to your available balance, ready for you to use, withdraw, or reinvest.
You can manage your autorenew preference at any time from your account settings before the term ends.
