Highly recommend for business transactions and personal spend abroad in hols. Large savings! Wish had discovered it earlier for receiving USD payments into business!
Use card and virtual card on phone for personal spending on holiday to reduce charges. Also use for UK business and US business and make substantial savings in current conversion fees by transferring funds from uk or us bank accounts to Wise ones of same currency then convert into current accounts for onward payment. Clients increasingly paying invoices to it too. brilliant service and support and never had any issues with transactions and integrates with Xero as a bank account for reconciliations. Shame physical and virtual cards not available for US accounts yet as waiting list taking a long time. Highly recommend and good (yet not huge delays) for controls in place for money laundering in line with regulations.