I use wise a lot. I just did a mock transfer of $5,000 USD to a CDN account. I went to xe.com to see the real currency value( not the BS ones the banks use) $5,000 USD is worth $6,684.10 CDN. If I had sent that much to my CDN account through Wise I would have received $6,635.02 CDN. The total fee would be $34.60 USD so far less than 1%.
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