Earn 3% APY on your dollars
Morse Earn pays 3% APY on the dollars you set aside. Interest lands in your wallet every day, and you can withdraw whenever you like.
Rates may change and are subject to eligibility. Earn isn't available to Morse users in the UK or EU.
Put some money away for a rainy day
Give every goal its own Earn Wallet: an emergency fund, next summer's trip, a new laptop. Name it, pick an icon and a color, and watch each one grow on its own.
Your money makes your money
Interest is worked out on your balance every day and paid into the same Earn Wallet the next day, so you earn interest on your interest too, with nothing for you to do.
Save without locking anything away
No fixed terms, no notice periods, no penalties. Move money into Earn whenever you have some spare, and move it back the moment life needs it.
How Morse Earn works
Everything happens inside the Morse app, in a few taps.
Create an Earn Wallet
Pick a savings type, then give the wallet a name, an icon and a color. You can open up to five Earn Wallets.
Add money
Move dollars from your main Morse balance into the wallet, when you create it or any time later.
Earn every day
Interest accrues daily at 3% APY and is paid into your Earn Wallet the next day, in whole cents. Fractions of a cent carry over until they add up to one.
Earn is a promotional program covered by the Promotional programs section of the Morse Terms. Rates may change and are subject to eligibility. Read the full details in our Help Center.
Morse Earn, explained
What is Morse Earn?
Morse Earn is a savings wallet inside the Morse app that pays interest on the US dollars you hold in it. It sits apart from your main Morse balance, so the money you set aside stays set aside until you decide to move it.
How much interest does Morse Earn pay?
Every Earn Wallet pays 3% APY, with no cap on your balance and no qualification steps. Hold $1,000 USD for a year and you earn around $30 USD. Rates may change and are subject to eligibility.
How and when is interest paid?
Interest is calculated on each wallet's balance every day and paid into that wallet the following day. It is paid in whole cents: anything under a cent carries over until it adds up to one, so nothing is lost.
Can I withdraw my money at any time?
Yes. There are no fixed terms, no notice periods and no penalties. Move money from an Earn Wallet back to your main Morse balance whenever you like, and it is ready to spend, send or invest straight away.
How many Earn Wallets can I have?
Up to five. Each one has its own name, icon, color and balance, so you can save for several goals at once and see how each one is growing.
Can I spend or send directly from an Earn Wallet?
Not directly. To spend, send, transfer or invest, first move the money back to your main Morse balance. It takes a couple of taps and is instant.
What is the 10% APY wallet for Colombia?
Eligible Morse users in Colombia can open one Earn Wallet that pays 10% APY on the first $1,000 USD. Any balance above $1,000 USD stays in that wallet but does not earn interest, so it's worth keeping the rest in a standard 3% wallet.
Who can use Morse Earn?
Earn is available to eligible Morse users outside the UK and EU. It is a promotional program and is covered by the Promotional programs section of the Morse Terms.
Join hundreds of thousands using Morse worldwide
From Bogotá to Mexico City, Lagos to Manila, see why people trust Morse with their money on the App Store and Google Play.
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.
Scan to start saving
Download Morse, create an Earn Wallet and start earning today.
