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   Start earning a return too, without interrupting your spending
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                   <strong>
                    Turn on low effort returns
                   </strong>
                  </h1>
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                   Wise Interest is designed to help you make the most of your money, with minimal effort. In fact, since we launched Interest in 2022, Wise customers have earned the equivalent of
                   <strong>
                    208 million GBP*
                   </strong>
                   in returns — all without lifting a finger.
                  </p>
                  <p class="b" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px;text-align:center">
                   <br/>
                  </p>
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                   So, what are you waiting for? Turn on Interest today and watch the returns roll in.
                  </p>
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		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Turn on Interest</center>
	</v:roundrect></a>
<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="bh msohide" style="border-style:solid;border-color:#2cb543;background:#9fe870;border-width:0px;display:block;border-radius:30px;width:auto;mso-hide:all">
                   <a class="f msohide h" style="mso-style-priority:100 !important;text-decoration:none !important;mso-line-height-rule:exactly;color:#163300;font-size:16px;padding:15px 60px;display:block;background:#9fe870;border-radius:30px;font-family:Inter, Helvetica, Arial, sans-serif;font-weight:bold;font-style:normal;line-height:19.2px;width:auto;text-align:center;letter-spacing:0;mso-padding-alt:0;mso-border-alt:10px solid #9fe870;mso-hide:all" target="_blank">
                    Turn on Interest
                   </a>
                  </span>
                  <!--<![endif]-->
                 </td>
                </tr>
                <tr>
                 <td align="center" class="cb ca" style="padding:0;Margin:0;padding-right:40px;padding-left:40px;padding-top:15px">
                  <!--[if mso]><a href="https://ablink.info.wise.com/ls/click?upn=u001.JwhTX56o1twZ4Z4wwlm-2F9SLgQOPFIrbHUz4i9qAXeLSkJLaIFcGN8DyD9pbxI5EaUcKX_Xkgjvfyip0jA8U6UDBzpk1WoqeaBAJw2VxTBJB9P-2FiDicKnH1T3LBEGsC60aN-2FZvpNKk7fMJQW1kDFr-2B4YPnjIzWf6q2Z3WZcdvHea2-2FwHxrPhKcQ6ZZVlj8WgRc5UBX2JicS81dyH55HUQG40X6296m0374v14v0b2CeezWM-2Bv-2FWKEewBPIjsHakNVTKUA9Ijy7aR1JkbMCmVgBpnsDNHvWx8bKOpkQukW2TpG2hqwXe13-2Fil8svH5ydUbl4-2F1Y5QyeNMY24pgXR8d1bCgILGFrh-2B6jXxpKkxPUX1kNXhcd6KAr9vU1NMGlU4-2B3Nij4DjLlBJE9IeLeIRM5WNNUBFBI00m2uW-2BFbC9-2Fjxk85rmiMExwNIXGV8liQKyaGQA5vkP3K9N3NBm4z3M2Enj8TrrNELP4YG3yj2HZP-2FzQ3rWbBCbpCBR0K-2FYfj4BA3kx2oLVb-2Fm8hUmxy8TGsN-2BD0LaHx7kIQ-2F-2BQMeptbLXRkrnGjggc6VD-2BD391H-2F4zlkW55TIuCGBtiw0RanmNO1YOJDq1lU8AXxvSg7cwEYRHvwRQfAZc3dxdiSvjm2Y-2BRmKlHPtl-2BCEsX7Kjh4PVVVNsQg1jY4jlHmCE4aWPTDjACPjALqVbL22XBQOHUMPvFQ5ETZESJq44ItehqJM-2BDzdn7zjvOidTfS7Cwe9r6AZ2UcGjFNnvb1kItqpDvrZL7pLVveMwDhn69kwidquYXWY7aKLGQRgcreaWRIHdYeQkkUoA-3D" target="_blank" hidden>
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		<center style='color:#163300; font-family:Inter, Helvetica, Arial, sans-serif; font-size:16px; font-weight:700; line-height:16px;  mso-text-raise:1px'>Learn more</center>
	</v:roundrect></a>
<![endif]-->
                  <!--[if !mso]><!-- -->
                  <span class="bh msohide" style="border-style:solid;border-color:#163300;background:#ffffff;border-width:1px;display:block;border-radius:30px;width:auto;mso-hide:all">
                   <a class="f msohide g" style="mso-style-priority:100 !important;text-decoration:none !important;mso-line-height-rule:exactly;color:#163300;font-size:16px;padding:15px 60px;display:block;background:#ffffff;border-radius:30px;font-family:Inter, Helvetica, Arial, sans-serif;font-weight:bold;font-style:normal;line-height:19.2px;width:auto;text-align:center;letter-spacing:0;mso-padding-alt:0;mso-border-alt:10px solid #ffffff;mso-hide:all" target="_blank">
                    Learn more
                   </a>
                  </span>
                  <!--<![endif]-->
                 </td>
                </tr>
                <tr>
                 <td align="center" class="d" style="padding:0;Margin:0;padding-top:30px">
                  <p class="b" style="Margin:0;mso-line-height-rule:exactly;font-family:Inter, Helvetica, Arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   *Past performance is not a reliable indicator of future results. This figure is the total combined GBP, EUR and USD returns earned through Wise Assets UK and Wise Assets EU, from December 2022 to March 2025, and was converted to GBP on 28 March 2025.
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
         </table>
        </td>
       </tr>
      </table>
      <table align="center" cellpadding="0" cellspacing="0" class="x" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:100%;table-layout:fixed !important">
       <tr>
        <td align="center" style="padding:0;Margin:0">
         <table align="center" bgcolor="#ffffff" cellpadding="0" cellspacing="0" class="bp" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#ffffff;width:600px">
          <tr>
           <td align="left" bgcolor="#ffffff" class="cf cd bz" style="padding:0;Margin:0;padding-right:40px;padding-left:40px;padding-bottom:30px;background-color:#ffffff">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:520px" valign="top">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="center" style="padding:0;Margin:0">
                  <h1 class="bk" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:30px;font-style:normal;font-weight:600;line-height:36px;color:#0e0f0c">
                   <strong>
                    Get to know Wise Interest
                   </strong>
                  </h1>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
          <tr>
           <td align="left" class="by cf cd" style="padding:0;Margin:0;padding-right:40px;padding-left:40px;padding-bottom:20px">
            <!--[if mso]><table style="width:520px" cellpadding="0" cellspacing="0"><tr><td style="width:75px" valign="top"><![endif]-->
            <table align="left" cellpadding="0" cellspacing="0" class="bb" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:75px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;border-radius:15px" width="100%">
                <tr>
                 <td align="right" class="bk bz bx bw" style="padding:0;Margin:0;padding-right:15px;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:14px" target="_blank">
                   <img alt="" height="50" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_f0afc3c0a89f754e5810e75fb1eeefeb236181746682c8aad0b4ee91d128571b%252Fimages%252Favatar_medium1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDUxNDIwMzAuNDUxNzkxfQ:1u6RA6:GFlZsD-n3J9qveYI8Kecoq6k8zfZVG2Zy0VoORSmd1M" style="display:block;font-size:14px;border:0;outline:none;text-decoration:none" width="50"/>
                  </a>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td><td style="width:445px" valign="top"><![endif]-->
            <table align="right" cellpadding="0" cellspacing="0" class="bc" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:445px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="left" class="bv bu" style="padding:0;Margin:0">
                  <h3 class="bk" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:18px;font-style:normal;font-weight:600;line-height:24px;color:#0e0f0c">
                   <strong>
                    <b>
                     Spend your money as usual
                    </b>
                   </strong>
                  </h3>
                 </td>
                </tr>
                <tr>
                 <td align="left" class="bv bu k" style="padding:0;Margin:0;padding-top:5px">
                  <p class="bk b l" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   Continue to spend the money you’ve invested while it grows. Any returns you earn will be added to your balance, every working day — and you can spend them straight away.
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td></tr></table><![endif]-->
           </td>
          </tr>
          <tr>
           <td align="left" class="by cf cd" style="Margin:0;padding-right:40px;padding-left:40px;padding-bottom:20px;padding-top:10px">
            <!--[if mso]><table style="width:520px" cellpadding="0" cellspacing="0"><tr><td style="width:75px" valign="top"><![endif]-->
            <table align="left" cellpadding="0" cellspacing="0" class="bb" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:75px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;border-radius:15px" width="100%">
                <tr>
                 <td align="right" class="bk bz bx bw" style="padding:0;Margin:0;padding-right:15px;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:14px" target="_blank">
                   <img alt="" height="50" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_f0afc3c0a89f754e5810e75fb1eeefeb236181746682c8aad0b4ee91d128571b%252Fimages%252Favatar_medium2.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDUxNDIwMzAuNDUxOTg3M30:1u6RA6:ApVj95NrLaAZ4XjD9zspJLLsiIqkPaQO1eBQlJIK-x0" style="display:block;font-size:14px;border:0;outline:none;text-decoration:none" width="50"/>
                  </a>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td><td style="width:445px" valign="top"><![endif]-->
            <table align="right" cellpadding="0" cellspacing="0" class="bc" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:445px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="left" class="bv bu" style="padding:0;Margin:0">
                  <h3 class="bk" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:18px;font-style:normal;font-weight:600;line-height:24px;color:#0e0f0c">
                   <b>
                    Low stakes, high rewards
                   </b>
                  </h3>
                 </td>
                </tr>
                <tr>
                 <td align="left" class="bv bu a" style="padding:0;Margin:0;padding-top:5px">
                  <p class="bk b l" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   When you turn on Interest, your money is invested in a low-risk, interest-earning fund that holds government-guaranteed assets. Visit
                   <strong style="font-size:16px">
                    <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#163300;font-size:16px" target="_blank">
                     our website
                    </a>
                   </strong>
                   to learn more.
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td></tr></table><![endif]-->
           </td>
          </tr>
          <tr>
           <td align="left" class="by cf cd" style="Margin:0;padding-right:40px;padding-left:40px;padding-bottom:30px;padding-top:10px">
            <!--[if mso]><table style="width:520px" cellpadding="0" cellspacing="0"><tr><td style="width:75px" valign="top"><![endif]-->
            <table align="left" cellpadding="0" cellspacing="0" class="bb" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:75px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:separate;border-spacing:0px;border-radius:15px" width="100%">
                <tr>
                 <td align="right" class="bk bz bx bw" style="padding:0;Margin:0;padding-right:15px;font-size:0px">
                  <a style="mso-line-height-rule:exactly;text-decoration:underline;color:#2CB543;font-size:14px" target="_blank">
                   <img alt="" height="50" src="https://inboxflows.com/_/image/https%253A%252F%252Fnvsrpq.stripocdn.email%252Fcontent%252Fguids%252FCABINET_f0afc3c0a89f754e5810e75fb1eeefeb236181746682c8aad0b4ee91d128571b%252Fimages%252Favatar_medium_iqp.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZudnNycHEuc3RyaSIsInRpbWUiOjE3NDUxNDIwMzAuNDUyMjUwNX0:1u6RA6:U-shngjfOnnBkeeMfOsStv5lgBuWT7qywXOdRgzRUiY" style="display:block;font-size:14px;border:0;outline:none;text-decoration:none" width="50"/>
                  </a>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td><td style="width:445px" valign="top"><![endif]-->
            <table align="right" cellpadding="0" cellspacing="0" class="bc" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right">
             <tr>
              <td align="left" style="padding:0;Margin:0;width:445px">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
                 <td align="left" class="bv bu" style="padding:0;Margin:0">
                  <h3 class="bk" style="Margin:0;font-family:inter, helvetica, arial, sans-serif;mso-line-height-rule:exactly;letter-spacing:0;font-size:18px;font-style:normal;font-weight:600;line-height:24px;color:#0e0f0c">
                   <strong>
                    <b>
                     See the rates we offer
                    </b>
                   </strong>
                  </h3>
                 </td>
                </tr>
                <tr>
                 <td align="left" class="bv bu m" style="padding:0;Margin:0;padding-top:5px">
                  <p class="bk b l" style="Margin:0;mso-line-height-rule:exactly;font-family:inter, helvetica, arial, sans-serif;line-height:24px;letter-spacing:0;color:#454745;font-size:16px">
                   Our variable** rates are staying strong, with 3.96% on GBP, 2.24% on EUR, and 4.08% on USD.
                  </p>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
            <!--[if mso]></td></tr></table><![endif]-->
           </td>
          </tr>
          <tr>
           <td align="left" bgcolor="#ffffff" class="cf cd ce" style="padding:0;Margin:0;padding-right:40px;padding-bottom:60px;padding-left:40px;background-color:#ffffff">
            <table cellpadding="0" cellspacing="0" role="none" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
             <tr>
              <td align="center" style="padding:0;Margin:0;width:520px" valign="top">
               <table cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" width="100%">
                <tr>
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