Wise Reviews

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Uses Wise as their main account and has been with it for eight-plus years without an issue, keeping Revolut only for its joint account feature.

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Used Wise to move all the money for their daughter's three years at university in Amsterdam and found it the cheapest option and always very reliable.

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Has sent a lot of money from the US to Canada through Wise for a car and a house with no problems and the best exchange rates, though one final transfer had to wait a month because of a maximum within a 3-month period.

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Lived in the UK for 24 years with accounts on both sides and used Wise whenever shifting funds, finding it very fair at under 0.3% compared with over 2% at most banks.

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Has used Wise for two years without issues and finds it usually the cheapest, with transfers normally arriving within minutes, though an unusual or larger amount can take an extra day.

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Used Wise recently to transfer a fairly large sum in several wires, finding fees competitive and upfront and the exchange on their currency pairs streets ahead of banks and xe.com.

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Says that with Wise you know the exact fees and outcome before sending, and in their experience it is the fastest and usually cheapest option compared with wire transfers.

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Typically paid around 0.6% to convert small amounts with Wise, calling the rate competitive and the fee disclosure very transparent, though wary of using it for very large transfers.

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After accidentally sending a small payment twice, Wise credited a generous amount toward fees that lasted a year.

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Funded a house purchase with several ACH transfers into Wise in 2024; each took about five days to clear but there were no issues.

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Has used Wise a few times a month for ten years and finds its fees generally much lower than a bank wire or Western Union, and lower than Remitly too.

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Sent a large transfer from a US account to a European bank through Wise and it worked fine, though they were nervous while waiting for it to clear.

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Finds Wise better than a credit union wire for smaller amounts, and likes being able to set up the Wise US account as an external account to move money easily.

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Has transferred large amounts through Wise without any issues.

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On an established account, moving their own money between USD and EUR with Wise rarely takes more than two minutes; says it avoids intermediary banks and shows exact amounts before sending.

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Always uses Wise to move money from a US account to Ireland by wiring to a US account, exchanging in Wise, then sending euros to their Irish bank; uses Revolut mainly like Venmo.

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Opened a Wise account before moving to Spain, chose the digital card first, then ordered a cheap physical card that was mailed right away, and feels comfortable relying on it.

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Lived in Europe using Wise for its IBAN and never had to set up a local bank, keeping money in the US and using credit cards for everything but rent.

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Says Wise is better than Revolut in terms of rates and usability, though it is not flashy or famous, and that neobank accounts should not be used as a primary bank.

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Has Social Security direct deposits going to Wise on the scheduled day, calls it great and flawless, and used it to send a large amount directly to a dealership for a car with zero complaints.

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Has used Wise consistently for four to five years for international transfers.

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Keeps both Wise and Revolut, and finds Wise works great for sending money to family in Canada, since Revolut does not let Canadians use its app.

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Prefers Wise to Revolut for transfers because Revolut can deduct undisclosed intermediary-bank fees along the way and charges more on weekends, while Wise is more transparent and uses local accounts to avoid those fees.

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Sends money internationally to family monthly through Wise for decades, finding it cheaper and less likely to trigger fraud flags when the transfer is initiated from the bank side.

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Has used Wise for business for around ten years, receiving money from around the world and paying people globally, and calls it flawless.

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Has used Wise many times for international transfers and finds its fees quite low.

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Used Wise on a trip abroad to send money to their spouse local bank account in her home country, and it worked just fine.

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Uses Wise all the time for a small business and finds it faster and cheaper than their bank.

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Has used Wise for six years for international bank transfers with no issue and says they trust it more than their own bank.

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Says their recent Wise transfers from a US account to a Dutch euro account cost less than half a percent in fees.

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Their US credit union asked many questions about a large outgoing amount, but the transfer through Wise itself worked well.

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Lives abroad and has had no issues receiving Social Security payments into Wise for three years running.

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Has moved large amounts through Wise without a problem and says its rates cannot be beaten, though they split transfers into smaller ones.

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Moved a large sum through Wise in three tranches to buy an apartment with no delays, and after comparing brokers and other services found Wise the cheapest, easiest and most convenient.

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Says Wise is that much cheaper than a bank; they now have Wise pull dollars by ACH, convert to euros and send by SEPA to an IBAN, with fees about 15 cents per 10 dollars sent.

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Moved a large sum domestically through Wise into a brokerage and savings account in a few minutes, and found the international quote far cheaper than a traditional bank would have been.

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Moved a large sum from a US bank into Wise to buy an apartment in Europe; the fee and exchange rate were fair, the transfer took a few days after a source-of-funds form, and conversion was very quick.

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Says Wise is much cheaper than a bank wire and, in their experience, fast and reliable.

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Uses Wise a lot, as do their in-laws, finding fees low and the exchange rate normal; once the accounts are connected they can move money from the US to the Netherlands instantly.

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Does regular transfers between the US, UK and EU with Wise and remembers only one small fee of 2 or 3 dollars; transfers from their US bank to Wise are free push transactions.

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Says a Wise transfer from the UK to the US took 6 hours and avoided the 10 dollar incoming wire fee they had paid with other services.

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Moved funds from a US bank into Wise after Revolut failed to give a gym-accepted IBAN, then used the Wise details to sign up at a Paris gym without trouble.

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Moved their Social Security direct deposit to Wise with no issues, though it arrives on the due date rather than early, and uses Remitly to send it on because it is cheaper than Wise.

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Used both for transfers and found Wise infinitely better and more reliable than Revolut, whose transfer got lost for over a week.

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Received a large transfer into their Wise account from someone else's name with no questions asked, and has used Wise for four years for both personal and business.

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Uses both Stripe and Wise for client invoicing and notes Wise invoicing costs nothing extra, unlike PayPal which they call a ripoff.

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Argues Wise does not take a cut beyond a fair conversion and transfer cost and that it is cheaper than most alternatives, including regular banks.

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Found Wise far cheaper than a nominally free Chase international wire, which cost hundreds more in poor rate, and can link it to their own foreign account for a free transfer.

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Has made multiple larger transfers from US accounts to euro and pound accounts via Wise with no issues, and finds it beats the bank's rates and fees.

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Realized they were paying to use Revolut with a high spread, while Wise works out cheaper with no account fees and much better rates, so saves a lot using Wise.

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Has never had an issue using their Wise German and Belgian IBANs with French payers, with payments always deposited quickly in the correct account.

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Uses Wise to transfer between a US account and a Portuguese account, and in almost three years has had no hiccups and paid only the minimal Wise transfer fees.

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Has used Wise for over a decade to send money monthly from the US to the EU, including large sums for an apartment and car, with zero problems, and says it has saved them a bundle.

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Prefers Wise to Revolut, noting you can actually call customer services and that they once read a comparison finding Wise slightly cheaper for the average user.

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Has Wise for personal and pays Revolut monthly for business, slightly preferring Wise since Revolut increased its fees twice while Wise has never introduced monthly fees.

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US resident with a EU bank account who opened USD and EUR accounts at Wise, which lets them send money from the EU account, convert, and push to any US bank account.

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Had an employer pay euros into a Wise-issued EUR account while living in Europe and could move that money freely as a US resident after returning.

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UK-born US resident who switched their Wise account to a US location and has no trouble moving pounds from a UK account into Wise, converting to dollars and sending to a US bank account, and back.

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Uses Wise daily and is very happy with it.

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Uses Wise mainly to transfer from a US account to an EU account and has never had a problem.

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Their wife and other Americans use Wise as the cheapest way to move USD into euros.

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Has used Wise every month for ten years and never had an issue.

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Has used Wise for seven years for transfers large and small, and whenever there has been an issue they could phone a live person.

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Has never found a better deal than Wise for sending pesos, and likes choosing the exact amount received with the USD total shown.

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Pays their house cleaner in Mexico through Wise, which is always fast thanks to SPEI, and has not found a lower fee.

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Used Wise recently and saved a bundle in fees.

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Has used Wise for a long time, maybe a decade, with not one problem and low cost.

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Has used Wise since it was Transferwise and has never had an issue.

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Uses Wise all the time in the US for payments around the world.

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Received international inheritance payments through Wise, meaningful if not life-changing, without trouble.

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Transferred a large sum through Wise without being asked anything.

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Has made large transfers through Wise multiple times with no issues.

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Moved a large sum from Australia to Europe through Wise with no trouble at all, after telling their bank in advance.

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Uses Wise for transfers between three different currencies and finds it speedy and wonderful.

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Used Wise in Germany and China with a small US bank and had no issues whatsoever.

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Says Wise is so much better than traditional banks and saved them thousands when they moved overseas.

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Says they basically use Wise as their main personal account now.

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Has transferred non-negligible amounts through Wise and everything went through fine.

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Transferred a large sum through Wise to Sweden and found the rates pretty good.

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Has used Wise for larger amounts and likes seeing the exact cost before sending.

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Uses Wise for transfers as a US citizen abroad and is happy enough with it, having passed on Revolut metal after controversy over frozen funds.

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Says Wise has been solid for them and recommends it highly.

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Wise has completely replaced Revolut as their main consumer, shopping and travel account, with Jars similar to vaults and small interest.

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Uses Wise in the UK alongside hard accounts in other countries and calls it great with no issues for personal use.

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Sends a large monthly amount to pesos through Wise and calls it amazing.

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Has had Wise for quite a while with no issues.

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Has used Wise for many years across several countries, holding euros, US dollars and pounds, and would recommend it.

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Uses Wise to pay many payees in Mexico, none of whom need a Wise account, with money arriving in seconds and great conversion.

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Many years with Wise, with low fees and quick helpful service, and it even worked great in China.

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Four years with Wise and very happy, noting fees rose gradually but are still fine.

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Says Wise has been great for them for years, with low fees and fast transfers.

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Compared a bank transfer with Wise for a North America to Europe transfer; Wise charged a visible fee but its better rate left them several thousand euros ahead.

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Has used Wise for bank transfers and Revolut for everyday spending for almost three years, with no problems and good exchange rates, though they only load small amounts to Revolut over its AML reviews.

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Used Wise and HSBC to move assets back to France; HSBC rates were good for a while but Wise was the best fee and service alternative.

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Says Wise is very reliable, having processed millions of dollars through it in the course of business.

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Has used Wise for several years, including a transfer of a similar large size between the US and Germany, without issue, and says it was still the best option.

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Found that starting a transfer from within Wise rather than from their Bank of America account was way cheaper.

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Transfers money between the US and Canada, comparing Wise, XE, Currencies Direct, PayPal and Xoom each time, and says Wise always wins with a more powerful conversion and fast transfers.

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Finds Revolut cheaper for their conversions, but says Wise support was incredibly objective and honest, recommending the cheapest option even when it is not Wise.

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Used Wise in Canada to transfer US funds, finding it much cheaper than bank conversion, quick and easy to set up.

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Never had any issues with Wise, having been verified long ago and only doing normal transactions.

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Found that when Wise's transparency comparison said another service was cheaper it was wrong and Wise was in fact cheaper, and appreciated its honesty.

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Used Wise for years and moved a very large house-sale sum through it; funds were held a couple of days for document verification, with no issues.

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Has used Wise for several years to make exact-amount transfers between currencies for tax tracking, including regular transfers of around twenty thousand euros, with no issues.

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Has moved mid-sized sums through Wise and never found a better offer.

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Bought a house in the EU with money moved from a US bank into Wise USD and out of Wise EUR to escrow; apart from daily limits and having to document the source of funds it took under a day.

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Used Wise with their spouse to transfer a large sum for a house purchase in Spain and it all went through very smoothly.

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Wise has always worked well for smaller sums, though they would use a direct wire for a very large transfer.

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Has used Wise since 2017 for their business, receiving several currencies and travelling a lot, and says it has been great.

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Transferred a large sum through Wise to Europe and Mexico over 18 months and finds it trustworthy, relatively cheap and efficient.

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Uses Wise to move money from a US bank to their Revolut IBAN by ACH; small sums arrive instantly, larger ones a day later, and it has been the cheapest option so far.

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Tops up Revolut from the Wise card as their primary funding source; large amounts initially needed splitting into several transactions but it has been fine since.

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Sends euros to New Zealand dollars regularly with Wise and values that the amount received is always exactly as quoted.

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Moved a large sum from the EU to the US using Wise and found it reliable and easy.

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Sent a large sum to a German bank through Wise and saved hundreds in fees compared with a standard bank transfer, calling it surprisingly good.

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Has used Wise to move savings from the US back to the EU, calls it a core business that works well, and keeps a Wise account with debit card and IBAN.

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Recently made several large transfers through Wise and it went just as smoothly as past smaller ones.

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Converted a large sum to euros for a boat purchase from their phone with a charge far below any bank, and uses Wise all the time for conversions and ATM withdrawals.

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Says banks charge a fixed fee on top of a crappy exchange rate, and they have found Wise to have the best rates net of all fees by far.

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Has used Wise for 5 years for transfers with no issues, all smooth and cheap, and now uses the Wise Visa debit card for foreign-currency purchases.

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Has used Wise for three years without problems, finding it way cheaper than bank wires with multiple currency accounts, and uses its card abroad to avoid card cloning risk on their normal bank card.

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Says Wise's exchange rate was about 3% better than their bank's, which really adds up on large amounts.

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Uses Wise to move money between bank accounts in the US and Canada and finds its exchange rates way better than banks, with a dedicated section for large sums.

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Uses Wise only to move money from a US account to a foreign account; it usually arrives in 24-48 hours and seems to have the best exchange rate.

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Compared total costs in a spreadsheet and found the advantage of Wise (formerly TransferWise) is knowing exactly what the total cost will be, unlike a wire where the final rate is uncertain.

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Has a Borderless account that has been good for Canada, France and Kazakhstan, though the shared EUR IBAN requires putting the account number in the memo, which could be an issue.

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Uses TransferWise to wire money between a French BNP account and a US Chase account at least ten times a year and has not found better, saying it does the job at one of the best costs.

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Sends a large sum from the US to Europe each year and, after a couple of years with Transferwise instead of bank wires, says they have saved a significant amount.

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Has had a very smooth experience with Wise, receiving international payments in seconds.

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Used Wise last year to transfer money for a house purchase and it worked like a charm.

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Used Wise before to buy a home in Spain, and it was super easy.

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Uses the Wise ETF option, an S&P 500 tracker, and says it has been great.

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Has used Wise for smaller transfers and says it has worked perfectly every time.

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Paid about 0.6% total on their last few EUR to USD transfers through Wise and suspects it is the cheapest option.

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Says Wise has been great all the years they have used it, with no problems.

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Does frequent euro, dollar and pound exchange for a small business and has found the best rates with Wise.

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Has transferred between Canadian dollars and pounds with Wise all the time for almost a decade.

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British expat who uses Wise for mid-sized transfers and has never had a problem.

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Has used Wise for years and even transferred cash for home construction through it.

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Uses Transferwise and has never had any issues with them.

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Uses both Wise and Revolut and strongly prefers Wise, citing balance cash back on held currency and interest-bearing jars for savings depending on region.

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Finds Wise the most cost effective, with a low-cost debit card that makes local-currency transactions easy.

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Uses Wise to hold some foreign currency as a backup and to transfer money at a low fee.

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Stays with Wise for US-to-France euro transfers because their Wise euro account is set up in Europe and works with SEPA.

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Prefers Wise for moving money between their own accounts because of the exchange rate, while using HSBC as their main bank.

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Holds CAD, USD and GBP in Wise without being charged any holding fee.

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Has used Wise several times without a problem, as have family members who moved abroad and transferred quite a bit of money.

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Says Wise works great between USD and AUD and that they could not have survived without it in Australia.

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Used Wise to convert the remainder after hitting Revolut's free conversion limit, since Revolut charges extra beyond it.