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Wise
Wise (formerly TransferWise) is the go-to app for anyone who sends, spends, or holds money across currencies, and wants to ditch banks and their ridiculous fees. Launched in 2011, Wise made its name by offering ultra-low-cost, lightning-fast international transfers, and has since evolved into a full-blown multi-currency account with a slick debit card, local bank details in 10+ currencies, and some of the best exchange rates around, no hidden markups. You can hold and convert over 40 currencies, get paid like a local when abroad or freelancing, and even use Wise for international business. Whether you're a traveler, remote worker, expat, or just someone tired of losing money on FX fees, Wise makes managing global money feel seamless and stress-free. And yes, there’s a referral bonus: sign up through my link and you’ll get a free card or zero fees on a transfer up to £500 once you start using the account. not a great offer but fingers crossed they will make it better one day. If you're done overpaying to move money across borders, Wise is the smartest way to go global. (promotions regularly change so what is being advertised you might not receive, check the terms and conditions before you begin)