: 2024 Review

Best for Global Money Transfer
Starts at 0.43% per transfer



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Wise is one of my preferred online money transfer services due to its low and transparent fees, broad network (50+ currencies), and simple UX.

Key Benefits and Features

  • Transfers to 160 countries
  • Available for personal and business
  • Real exchange rate with no markup
  • Multi-currency account for easy management of funds in different currencies
  • Integration with various banking and financial platformsFast or even instant global payments
  • Earn 4.33% APY with their interest feature (USD balance account)


  • Monthly fee: $0
  • Annual fees: $0
  • Transactional fees: vary by currency, from 0.43%
  • Exchange rates: mid-market exchange rate
  • ATM fees: no fees for withdrawals over $100 USD per month per account, $1.50 USD per withdrawal thereafter'
  • Account funding transactions: 2%
  • Getting the Wise debit card: $9 USD
  • Converting money: fee varies by currency, from 0.43%
  • Holding money in your account: free

Sources: Transumo, Exiap

Dexter Zhuang
Dexter Zhuang

Dexter is the founder of Money Abroad, an online education platform helping high-performers design their independent money path. He has 10+ years of experience building products and teams at public companies (Dropbox) and scaling startups (Xendit) across the US, Asia, and Latin America. His work has been featured in global outlets like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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