Wise
★ 4.7Wise is a low-cost international money-transfer account - best for cheap, transparent international transfers. Multi-currency account (40+) with local details.
Reviewed by Market Minute · Updated June 2026 · ✓ Fact-checked · how we rate
Our take
Our benchmark for moving money abroad: transparent mid-market rates, low fees, and it works in both the US and EU.
- Market Minute
FeesFX from ~0.57%; no monthly fee; card $9 once
Minimum to start$0
Available inUS + EU
Pros
- + Transparent mid-market FX
- + Available in the US and the EU
- + Hold 40+ currencies in one account
Cons
- − Not a full bank (no interest/credit)
- − Transfers slower than instant apps
Good to know
Faced AML scrutiny/account freezes; balances aren't bank-insured like a deposit.
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Source: wise.com
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