On all continents
I use Wise (formerly Transferwise) almost since its creation, as I tavel extensively and was frustrated about the massive credit card fees I incurred. I used the Mastercard pretty much on all continents, only in Brazil I experienced situations, where the card did not work. What I particularly like, is the possibility to manage a private and a business account separately in the same app and having two separate cards as well. I do regular payments to India and I must have saved several hundred $ over the time. Charges have increased though, but it‘s still very competitive compared to other providers.