If you're an expat, you likely need to transfer money between countries frequently. We've found Wise to be a fast and cost-effective solution, using them for several years. They offer many currencies converted at the mid-market exchange rate with low, transparent fees, potentially saving you money compared to traditional banks.

 Wise also provides a handy debit card. You can load it with your local currency by transferring funds from your bank account. Then, wherever you travel, the Wise card automatically converts the balance on your card to the local currency at the time of purchase.

 If you're concerned about fluctuating exchange rates, Wise allows you to create separate currency accounts within your account (think dollars, euros, pounds, etc.). This lets you hold money in the currency of your choice.  You can even deposit your overseas income directly into your Wise account, avoiding unnecessary conversion fees. Plus, the money held in these accounts earns competitive interest rates.

 To sign up for a Wise money transfer account visit https://wise.com/