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Wise (ex TransferWise): Rebel, What is Your Cause?

TransferWise Money Transfer: billboard

Tale of Two Wises

“Revolution is a tough business. You can’t make it wearing white gloves and with clean hands”

Lenin

Wise’s (ex-TransferWise) origins are often described as follows: Two Estonians, one a former Skype employee and the other a Deloitte consultant, became fed up with the exorbitant fees charged by banks for money transfers from the UK to Estonia. Fueled by their frustration, they had a stroke of brilliance – matching remittance senders and receivers within the same country. With a sauna in their office and a team unafraid to challenge the banking industry, TransferWise was born. The startup received backing from prominent investors such as Peter Thiel, Richard Branson, and Ben Horowitz, propelling it to the pinnacle of fintech consumer cross-border transfers, surpassing a valuation of $10 billion in 2021.

Like any compelling story, Wise stands out in the otherwise mundane world of fintech with its collection of key elements: suffering victims, conniving old despots, and a young, clever savior. And, as with most captivating tales, Wise’s PR spiel holds some truth on the surface. So, let’s begin with what is genuinely accurate about this intriguing narrative.

Wise Money Transfer: Things to Love

Wise is undoubtedly the epitome of a cool and unconventional money transmitter. Unlike the standard foosball and ping-pong tables found in many offices, Wise’s founders and employees took things to a whole new level, fearlessly running naked through the world’s most famous financial district in the chilling temperatures of February. And if that wasn’t unique enough, having a sauna right in their HQ further sets Wise apart from the crowd:

From its inception, Wise steadfastly focused on exposing the “hidden” fees charged by banks and money transmitters. While many providers may advertise “zero-fee” money transfers, they often impose FX markups. In contrast, TransferWise stood as a solitary voice on this issue among its competitors, persevering in its mission to advocate for legislative changes in the UK.

This commitment to transparency and fairness was evident even before Wise’s official founding, as its co-founder, Kristo Kaarmann, laid the groundwork with his prior startup in 2010:

Source: X

That vision was further refined when TransferWise was launched in 2011:

TransferWise front page November 2011
Source: MarketWatch

Wise’s other distinctive cultural characteristic is its obsessive persistence in trying new approaches. Like many well-known startups, it faced challenges in gaining traction during its first two years, reaching less than $10 million in monthly volumes…

TransferWise end of 2012
Source: X

… but it kept experimenting across different consumer sub-segments, trying out various marketing techniques. Wise’s experimentation velocity was at such a scale that when monthly volumes suddenly jumped to $50 million, the company’s management couldn’t initially pinpoint the exact cause. Unlike many fintech startups and even large financial services companies, Wise possesses a unique ability to rapidly learn from mistakes and adapt quickly:

When it comes to organizational practices, Wise is also at the forefront. The startup fosters a collaborative environment centered on perfecting the user experience and actively seeks out young, bright minds, empowering them with autonomy:

Wise’s employees consistently rate their work highly in this mission-driven, fun, and effective company:

Wise’s operating model autonomy also enables fast scaling (see the list of currently supported corridors here). For example, while WorldRemit took a couple of years to acquire licenses in the US, Wise began offering services right away through an intermediary. It initially partnered with PreCash in 2014, which was fined $150,000 for working with TransferWise, and later in 2015 with CFSB:

TransferWise Money Transfer USA License CFSB

In another example of a quick pivot, due to currency instability, TransferWise suspended support for Nigeria in 2016. However, the company returned in October 2017 by partnering with a local entity, Flutterwave, to share risk and revenue and resume its services in the region.

After the first year in the US, TransferWise was already transferring $2 billion out of the country. Within the first two years, TransferWise had obtained US licenses in 39 states, although it was still missing a few states that required longer approval times, such as New York and Illinois, or were too small to be a significant concern (the latest status is available here). In states where TransferWise had licenses, it only needed a bank for a correspondent account, and it continued relying on CFSB for the rest of its operations:

TransferWise bank accounts in USA - March 3, 2017
Source for March 3rd, 2017: https://transferwise.com/help/article/1870699/good-to-know/transferwise-bank-details

Wise experienced even faster growth in Canada. Within a year of its launch in the Spring of 2016, it was already transferring $2 billion, approaching a 10% share of the country’s outbound cross-border market.

The company’s growth strategy revolves around a referral channel, achieved by providing customers with a superb experience. During SaveOnSend’s blind calls to the provider’s early days in the US, Wise’s phone representatives stood out for their ability to quickly understand and personally resolve issues pleasantly and humorously. Some of their under-serviced customers even received chocolates as a delightful gesture.

TransferWise Chocolates Sorry

Wise’s approach to driving referral growth is indeed innovative. The company doesn’t merely test various referral amounts and their distribution between existing and new customers. Instead, Wise takes it a step further by actively engaging customers to act as a virtual army of individual PR agents. This strategy leverages satisfied customers’ enthusiasm to spread the word about the platform, fostering a strong and organic growth mechanism:

TransferWise Viral innovation - June 2015
TransferWise Viral innovation – June 2015

Wise analyzes referral data and uses it in marketing campaigns to drive more referrals.

TW Customers reasons for Referrals - AUD, Nov 1 2017
Source: X

Wise offers transparent pricing with a fixed amount for smaller transfers and a percentage fee for larger amounts in the US. SaveOnSend can confirm that for corridors like the US to China, India, Mexico, and the Philippines, Wise does not charge an FX markup, and any price fluctuations are due to intra-day adjustments.

TransferWise FX Markup USA-to-India 2015 through August

Indeed, Wise’s pricing is remarkably stable compared to other well-known providers. Unlike companies like Xoom, which often have fluctuating fees that can go up or down 2-3 times in a single day, Wise maintains a consistent and consumer-friendly pricing strategy. This reliability is one of the reasons why Wise stands out in the market.

Wise’s commitment to transparency extends to the first-of-a-kind-in-Fintech world sharing of its product roadmap. This open approach allows customers and partners to stay informed about upcoming features and improvements, enhancing trust and engagement with the platform.

In many large corridors, such as USA-to-Mexico or USA-to-Philippines, Wise is often, but not always, one of the cheapest providers for larger amounts ($300+) when using a bank-to-bank method. Customers in these corridors may be less price-sensitive and not conduct frequent price comparisons, making Wise a favorable option for cost-effective transfers.

Comparison of Providers - USA to Mexico, $500 transfer, bank-to-bank linked accounts, May 12, 2018
Comparison of Providers – USA to Mexico, $500 transfer, bank-to-bank linked accounts, May 12, 2018

Overall, Wise tends to be much cheaper than even fellow fintechs.

Unlike Wise, some other money transfer companies, including fintechs, may engage in misleading practices by temporarily dropping prices in certain corridors to gain market share, only to raise them again later. This approach can create a false impression of competitiveness and may mislead both customers and investors:

WR Markup in Select Corridors as of April 2019

Indeed, while many Fintech startups promote their empathy for the underserved and disadvantaged, their actions during critical moments like the panic after Trump’s election in 2016 may tell a different story. Some of these players chose to raise prices for their services during a time when Mexican migrants needed affordable remittance options the most:

USA to Mexico - FX Markups across providers around Nov 2016 election

Around the same time, Wise chose to drop its prices to support its customers, setting itself apart from those firms that take advantage of vulnerable consumers for PR purposes and financial gains.

True to its price-reduction-and-transparency mission, in October 2017, Wise began emphasizing to its customers the higher fees for card payments while simultaneously lowering prices for transfers originating from the UK.

TW Price Drop Oct 2017 - Monito Blog
Source: https://www.monito.com/blog/transferwises-new-pricing-winners-%F0%9F%8F%86-losers/

Besides pricing differentiation, Wise prioritizes transfer speed to provide a customer-centric experience.

The combination of these unique features led to phenomenal and profitable growth, propelling Wise to become the world’s 3rd largest remittances company by mid-2017, a remarkable achievement within just six years of its launch.

In October 2017, Wise’s exceptional performance was validated with a $280 million funding round, the largest among consumer cross-border money transfer startups:

Funding-rounds-by-date-Aug-2019

At that point, Wise might have raised too much money:

By January 2018, Wise claimed a 15% market share of the UK outbound market. In May 2019, Wise was valued at $3.5 billion. By mid-2021, as Wise went public, its valuation exceeded $10 billion, and it had the best digital product on the market:

By 2022, Wise caught up to Western Union, a 40-year champion of consumer cross-border money transfers.

Now, let’s look under the hood.

Wise Strategy

1. Segmentation

Wise’s co-founder, Taavet Hinrikus, elaborated on the company’s strategic focus during an AMA on Reddit:

TransferWise Money Transfer: co-founder quote
TransferWise Money Transfer view on competition

In the context mentioned, “non-remittance” refers to cross-border money transfers sent by white-collar expats, retirees, or students, rather than typical blue-collar migrants. As a result, Wise’s average sent amount is much higher than the average amount sent by remittance startups like WorldRemit or Remitly.

Remittance providers - Average Send Amounts Dec 2017

However, it is much smaller than the average transaction amount of the majority of large banks (Wells Fargo is a special case – see here why):

For that reason, Wise was initially dismissed as a threat by incumbents. Here is how Euronet’s CEO, the parent company of Ria Money Transfer, responded in 2017 to a question on whether he was worried about TransferWise with regards to disrupting his cash-to-cash remittances business:

Euronet CEO on UK remittances startup Q4 2017 Investors Call

2. Pricing differentiation

Over the years, while being generally cheaper, Wise has made numerous misleading claims about its pricing. The practical concern with Wise’s behavior is about what it will do if and when it gains decisive market share. Will it raise prices, as PayPal did in a similar circumstance, with some justification for the greater good? Here are the facts, so you can judge whether this behavior has been due to incompetence/ignorance, as Wise claimed when caught, or due to a lack of ethics in achieving its mission.

From the previously mentioned TransferWise CEO’s AMA on Reddit in 2015:

Here is a quote from a co-founder’s interview in June 2016 comparing Western Union and TransferWise pricing:

“Hinrikus says the company [Western Union] charges 10 times more than TransferWise, on average…”

TransferWise also repeatedly mentioned “10x cheaper” and “up to 90%” savings in its advertising:

With time, the company became less misleading. In this PR interview from October 2016, TransferWise claimed to be 80% cheaper than other cross-border providers from the US. In June 2017, TransferWise downgraded its “10x” claim to only be 7x cheaper:

By April 2018, TransferWise was claiming only 3x superiority, while competitors maintained about the same margins over those years.

Let’s compare Wise’s claims of pricing superiority with the reality at the time. As mentioned earlier, Wise is indeed often the cheapest provider for bank-to-bank transfers for amounts above $300. However, this was not the case for sending smaller amounts:

Comparison of Providers - USA-to-Philippines, $100, bank-to-bank, July 15, 2017
Comparison of Providers: money transfer USA-to-Philippines, sending $100, bank-to-bank, July 15, 2017

It was also not the case in some of the world’s largest corridors. For example, for USA-to-China:

Comparison of providers - money transfers from USA to China, USD-to-CNY, $1,000, bank-to-bank, March 18, 2018
Comparison of providers – money transfers from USA to China, USD-to-CNY, $1,000, bank-to-bank, March 17, 2018

In the USA-to-India corridor, which includes uniquely sophisticated senders, TransferWise was not even among the top five cheapest providers for money transfers:

Comparison of Providers - USA-to-India, $1,500, bank-to-bank, May 12, 2018
Comparison of Providers – USA-to-India, $1,500, bank-to-bank, May 12, 2018

Indeed, on its own comparison site, Wise admitted to being in the last place in the unique USA-to-India corridor while still claiming 3X savings on the same page!

The US-to-India corridor is unique on a global scale (as mentioned in this SaveOnSend article). Wise couldn’t win on price and didn’t want to lose money to gain market share, but it continued to advertise its pricing superiority. Here are some ads that specifically targeted this corridor:

TransferWise Money Transfer: Facebook ads for sending money from USA to India, March 2015
TransferWise Money Transfer: Facebook ads for sending money from USA to India, March 2015
TransferWise Money Transfer: Facebook ads for sending money from USA to India, April 2015
TransferWise Money Transfer: Facebook ads for sending money from the USA to India, April 2015
TrasnferWise Twitter ad for money transfer to India, April 22, 2015
TrasnferWise Twitter ad for money transfer to India, April 22, 2015

India-specific ads were not different from the generic ones. Here is an ad from TransferWise’s launch in the US in 2015, displayed on the NYC Subway:

TransferWise Money Transfer: billboards in New York city subway, March 2015
TransferWise Money Transfer: billboards in New York City subway, March 2015

Or, here is an example of TransferWise’s advertisement on Google during those years, claiming “up to 90%” savings (compare it with the wording of its competitors’ ads on the same page).

TransferWise Money Transfer Google Ads April 26, 2015

Similar misleading claims were made on TransferWise’s own comparison tool. Notice below a claim that “Bank average” equals a $46.58 fee and a much worse exchange rate.

TransferWise Money Transfer: money transfer form USA to India, landing page pricing comparison, April 15, 2015
TransferWise: money transfer from USA to India, landing page pricing comparison, April 15, 2015

TransferWise conveniently compared its pricing with banks’ wire transfer services, which were rarely used by Indians to transfer money, except for very large amounts. Similarly, TransferWise compared its digital prices with Western Union’s offline service, which was also not commonly used by Indians in the US to send money home. As shown in the earlier comparison table, no provider was charging such large fees for sending money to India. Additionally, the top competitors’ exchange rates around the same time were as follows: Western Union – 61.98, MoneyGram – 62.21, Xoom – 61.5, Ria – 62.17, TransFast – 61.9. These rates were only slightly worse than TransferWise’s “honest rate” of $62.3418. While TransferWise still had a competitive edge, it seemed insufficient for its viral marketing claims.

Wise’s advertising strategy was misleading as it compared its pricing against traditional banks and offline services of traditional money transfer providers. It made Wise’s criticism of competitors for being “unfair” and “hiding” fees somewhat ironic. Despite SaveOnSend’s request to address this concern, Wise did not change its approach.

Deservingly, TransferWise was reprimanded by the UK government in 2015 and again in May 2016 for misleading ads. Here was TransferWise explanation in 2017:

TransferWise Mea Culpa July 21 2017
Source: “When to Think Big and when to Execute Small” by Kyrylo Novotarskyi, @TransferWise

In 2017, Wise came up with a new marketing technique, a price comparison tool. Listen to this Fintech Insider podcast from October 2017 where TransferWise managers promoted it. They claimed that even if TransferWise’s pricing was not the best, the tool would transparently point a user to the cheapest provider.

How did the tool work at the time? It displayed a falsely inflated price for Western Union and omitted other competitors with better-than-TransferWise prices:

TW site comparison vs. WU Oct 28 2017
Comparison of WU pricing in the TW comparison tool vs. WU website, October 28, 2017

At that time, SaveOnSend tweeted the above feedback, and within 2 weeks, TransferWise fixed the issue:

In a January 2018 interview, Wise’s CEO described the fee structure as follows:

“Käärmann said, would allow users to change dollars into euros and back again without seeing the value of their money diminished. He said the company charges a fee — $3.50 per $1,000 in Europe and $7 per $1,000 in the United States — to cover its costs.”

Let’s compare that “$7” claim to the actual fee displayed on the TransferWise website on the same day:

TW fees for popular currencies Jan 19 2018

In February 2018, TransferWise announced price reductions:

In reality, TransferWise raised prices in many corridors, once again attributing it to their ignorance. Some of the increases, as in the case of US-to-Japan, were quite dramatic, while others were described as “up a bit” by TransferWise:

TransferWise price increase Japan February 2018
Source: Monito

In its “Mission Reports,” published every quarter starting in April 2018, TransferWise aimed to showcase transparency and stay connected with customers. However, let’s compare Wise’s actual performance against its stated mission, “Making money transfers eventually free.” In 2018, the average price was 0.63%, and despite growing the transfer volume 4X and becoming the leader in consumer cross-border money transfers, achieving the mission of free transfers doesn’t seem to be any closer five years later:

A sensible response by Wise’s management would be to apologize for setting unrealistic expectations. However, deviating from a PR message is not Wise’s style. Instead, the company has inexplicably decided to blame poor forecasting on some one-off occurrences, like the switch to AWS:

Or, blaming the ACH fees.

3. P2P: reality vs. fiction

“P2P” (“person-to-person”) is when consumers send money to each other without a licensed financial intermediary that keeps reserves for such payouts. The debate over whether P2P could work for international remittances on a global scale or is a slight myth began in 2014. Startups like TransferWise and its B2B counterpart CurrencyFair were founded with the initial focus on cross-border money transfers among intra-Western-Europe expats. Those flows tend to be highly balanced, and, hence, allow for a relatively high P2P ratio according to CurrencyFair’s CEO:

TransferWise Money Transfer: comment by CurrencyFair CEO, Apr 20, 2015

After a few months of operating in the US, TransferWise began to realize the fundamental differences when working across different money transfer corridors. One example was the USA-to-Mexico corridor, which is the #1 global remittance corridor, with $60 billion in annual money transfers. However, the amount sent back from Mexico to the US was less than $5 billion. This realization was acknowledged by TransferWise’s general manager in the USA, Joe Cross, and by a co-founder, Taavet:

TransferWise Money Transfer: quote by TransferWise Head of USA, Joe Cross, Apr 8, 2015
TransferWise Money Transfer: quote by TransferWise Head of USA, Joe Cross, Apr 8, 2015

By June 2016, TransferWise acknowledged that only a fraction of the corridors they served had a balance of money transfer inbound-outbound flow, which was applicable for any provider, even those who didn’t claim a secret sauce of “P2P” in their marketing.

“… it finds true peer-to-peer matches on at least 60 percent of its transaction volume on 20 “routes” among Europe, the U.S., the U.K., and Australia… almost every transfer into pounds is matched 100 percent peer-to-peer…”

On the cost side, “P2P” doesn’t mean much either – all providers are trying to minimize the flow of internal transfers. Wise doesn’t literally wait for $1,000 to arrive from the UK to the US to initiate an exact transfer of $1,000 from the US to the UK. Other money transfer players are also, obviously, not initiating bank transfers every time a request is made. They estimate how much money and in which currency is required in countries of their operation and then buy-sell those currencies, often daily.

The largest players also have hedging operations to mitigate against FX volatility (read this SaveOnSend article for more details). Moreover, for some corridors where there is an option to transfer money cross-border without FX conversion (e.g., USD-to-USD), incumbents offer a similar pricing structure, e.g., for USA-to-China or USA-to-Philippines.

By 2020, TransferWise finally stopped marketing “P2P” as its differentiator and acknowledged that it had to manage liquidity like anyone else:

4. Word-of-mouth acquisition: is it a differentiation?

“… the stat I’m most proud of, and the hardest thing to make happen out of all of that was we acquired 70% of the users that found out about Wise last month through word of mouth:

Source: Nilan Peiris, Wise’s Chief Product Officer, September 2023

Hiding from investors and charging users to slow down growth, WhatsApp set the bar for what is meant by “viral” expansion. Wise wants us to believe that its growth has similar roots:

TransferWise Money Transfer: Slide 12, http://www.slideshare.net/pnilan/kpi-driven-growth
Source: SlideShare

Overall, Wise is deploying standard marketing channels for acquiring customers as every other money transfer player: referral programs, partnerships, affiliate marketing, billboards, social, PR, and SEO. All together, marketing expenditure represents about 8% of Wise’s administrative expenses:

Nevertheless, Wise’s referral program seems to be responsible for the majority of new customers, innovative, and data-driven. See a visual representation below and an explanation here:

TransferWise Vizualization of Connections July 2017

But there is a catch—Wise’s referral program is not free, and not even cheap. It pays almost $40 for each referral on top of a free first transfer:

Source: Wise

This referral amount is twice as high as it was a few years ago, and yet it is not helping to prevent the collapsing growth in transfer volumes. Moreover, paid “referral programs” and aggressive marketing strategies are not the same as organic, viral growth, or true “evangelism” among customers. WhatsApp and Skype gained popularity because people found real value in their services and started using them without any financial incentives. SaveOnSend blogs would not be spammed by customers of those companies because true viral growth comes from genuine user enthusiasm and word-of-mouth recommendations, not from paid promotions.

TransferWise Customer Spam on SaveOnSend blog

Indeed, some companies tend to overemphasize customer love while employing various acquisition and marketing techniques. Wise, unfortunately, went a step further by conflating “evangelism” with “paid referral” and using PR tactics to promote its brand. In 2014-2015, Wise received a series of positive mentions in The Guardian over six articles, including a podcast that seemed like a blatant PR stunt. While some other remittance providers also leverage PR channels, Wise’s approach appeared more unethical as it presented these articles as genuine reporting, blurring the line between objective journalism and promotional content (see here).

5. Wise’s performance

In the early days, the media often echoed Wise’s PR narrative of disruption and imminent threat to to established players like Western Union. Over time, Wise achieved significant milestones, surpassing Xoom’s volumes in 2015, reaching break-even by 2016, surpassing MoneyGram in 2018, outpacing Ria Money Transfer in 2019, and surpassing Finablr in 2020. By 2022, while Western Union hit the wall, Wise kept growing:

Since 2018, Wise’s regional performance has remained relatively stable, with Europe being the primary contributor to its revenue. The Asia Pacific and North America regions each contribute approximately 20% of Wise’s revenue, while the rest of the world contributes less than 10%.

Despite Wise’s significant consumer transfer volumes globally, it is still far behind Western Union’s dominant position in the US since its launch in 2015. It might take another 3-5 years for Wise to potentially become the top player in the US unless Remitly manages to achieve that milestone first:

The real question about Wise’s performance is whether its leaders have the tenacity to continue pushing forward. The company is clearly superior not just to its competitors but to almost all fintechs in terms of its business, operating, and technology models. Wise is a global case study on how to launch and scale a business, despite some misleading marketing. However, as is often the case with “disruptors,” after a decade of scaling, the original entrepreneurial leadership fades away, being replaced by corporate types. Consequently, the volume growth in Wise’s core consumer business has collapsed to less than 10%.

The same slowdown has affected most of the other players. Even the typically confident CEO of Euronet, which owns Ria Money Transfer, had to acknowledge how tough the digital competition for remittances had become by late 2023:

The expectation was that Wise would be a sufficiently effective and persistent fintech, capable of thriving even in a tougher competitive environment – not only acquiring first-time users of cross-border money transfers but also figuring out how to attract customers away from the likes of Chase, Western Union, and Remitly. However, it doesn’t appear to be the case, with transfer volume growth collapsing to less than 10%.

Wise now needs to decide how to jump-start its customer acquisition, either by further increasing referral payouts or by spending more on paid advertising. However, Wise has another hope in store: the monetization of internal platforms with banks.

6. Wise Platform

In the financial services industry, the concept of monetizing internal platforms for competitors has gained popularity, following the success stories of Amazon AWS and Blackrock’s Aladdin. In the cross-border money transfer sector, numerous large players have introduced platform solutions. Wise has also expanded into bank partnerships, offering its cross-border money transfer solution to banks instead of them maintaining their own. This initiative began as a small-scale experiment in 2016, initially partnering with two relatively insignificant banks (N26 and LHV), followed by another in 2017 (Starling). In 2018, TransferWise decided to elevate this channel to a central part of its strategy. A dedicated global partnership team was established, and an API portal was launched. Also that year, Wise lost Starling but signed Monzo.

In June 2018, TransferWise made a significant announcement about its partnership agreement with a major bank, BPCE. However, there have been no indications that BPCE ever went live with the partnership. In 2019, TransferWise managed to secure a few more partnerships with smaller banks in the US and Australia. During its Missions Days event in June 2019, TransferWise’s CEO humorously mentioned the possibility of signing a partnership with HSBC but clarified that it would probably take place in 2029.

TW CEO jokes about signing HSBC partnership during Mission Days in June 2019

By early 2023, Wise Platform had signed agreements with 60 partners who serve 10 million customers and businesses (N26 and Monzo got much bigger since the initial signing). Some partners even claim a 15% penetration rate by Wise’s platform. Wise expects that the majority of its future volume will eventually come through its API business, but so far, it hasn’t helped reverse the overall rapid decline in transfer volumes.

Source: Wise

In Conclusion: Rebel-Schmebel

In 2019, the TransferWise CEO expressed the hope that within 10 years, even reaching an African villager with their services would be feasible through digital means.

However, the transition from offline to online methods of sending money has been slow, with only temporary acceleration due to the global pandemic in 2020:

While Wise may not push out incumbents, its journey has been filled with positive surprises, making it unwise to bet against its continued success. However, with slower growth and the pressures of being a publicly traded company, Wise’s rebellious days may be behind them. Ethically, the disruptor appears to be on par with the banks they criticize, given their history of cutting corners in marketing while condemning others for doing the same. The biggest mystery remains why Wise engaged in such practices.

Any Feedback?

Hopefully, you found this overview helpful and feel more confident in your choices of whether or not to use Wise. Please let us know if we got anything wrong or did a good job – leave your comment in the section below.

We will be keeping this post regularly updated, so come back soon!

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