Subject: Re: OK - so now what?
I hadn't heard of the Wise card. It sounds very interesting, especially the ability to have a virtual bank account wherever you need one. Where is it domiciled?

The Visa ATM/Debit card I use is issued from Fidelity. They have an arrangement with an external bank who supplies a "Fidelity" (their name in tiny font) checkbook.
Fidelity does not charge a currency conversion when their card is used abroad and in all domestic and foreign transactions immediately refunds all the assorted service charges that banks/ATM's tack on.

From a nuts and bolts standpoint they have a unit trust money market account and a "trading" account for cash (which pays a slightly lower interest rate. They have a bill-pay function on the trading account to send out checks and payments and which accepts various payments made to me (exactly like a bank account). What is a bit unique is that should the trading account balance run low, they immediately add the required funds from the money market account. It works very well, pays higher interest than local banks and now takes on their function.

Jeff