Comment by robocat

My only issue with a personal Wise account is that it was unobvious to me that they charge 1.75% on ATM withdrawals (over NZD350).

I'm not sure if using Wise actually saves money otherwise - but it mostly works fine.

The one technical issue I've hit in the US was a bowser asking for my ZIP code which it couldn't verify so I couldn't use that gas station.