No,

I send money to France and UK regularly, I send direct via IBAN number / SWIFT to their bank accounts. I hold dollar , EURO and Sterling balances , which I top up as convenient or opprtunistically on favourable currency moves. In 3 years I have never paid a fee and neither has any counterparty. I pay my french utilites and various tradespeople through it as well., and on a very significant amount once. Moved it at the push of a button. I had informed them about a month prior this was going to happen, but I think it would have worked on that move as well , without the heads up...
when you need to speak to someone, the phone/text/email is answered almost immediately. A family member has WISE, she is also happy with it,but is not based in USA.
I hope this helps.