: 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, a website and newsletter on building wealth for global professionals. Over the last 10 years, he's been a product leader, product manager, consultant and coach at companies like Dropbox, Xendit, and growth-stage startups across the US, Asia Pacific, and Latin America. His work has been featured in global publications like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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