I've used Revolut, Wise, and Keytom for over a year. Here's my take on all three

Overview

I get asked pretty often which app I actually use for money stuff, so here's the real answer instead of a one liner. I've had all three running at once for a while now, and each one earns its spot for a different reason. Wise is still what I reach for when I need to send or receive money internationally. The mid-market rate with no markup is genuinely hard to beat, and having proper local account details in multiple currencies makes getting paid by foreign clients painless. Where it gets

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