Wise
Much more than great exchange rates
Great exchange rates are an obvious attraction, but what makes Wise so useful to me is everything around them:
- Local account details in several countries. It's like having a virtual bank account in each, making it easy to receive funds locally.
- One physical debit card and multiple virtual cards. I can set strict daily and monthly spending limits, or freeze and unfreeze cards in real time, straight from the app.
- Returns on balances without locking my money away. As I write on 9 October 2026, I'm seeing about 3.6% a year on my US dollar balance, while still being able to send and spend it.
Features depend on where you live. Rates are variable; Wise's Interest investment product puts capital at risk.
Visit Wise (affiliate link)