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?

UK.

The cheap and fast international transfers are done by a simply brilliant (but old fashioned) method: they don't depend on how fast a bank can do it because they don't actually move your money. They have a balance in every country, and when you say "move this money to Greece", they just take your money where you are and have their Greek account send the money to your payee simultaneously. From time to time they rebalance their own country accounts asynchronously. This is more or less an automated version of the traditional hawala network, still in use after about 700 years.

The credit card is not available to 100% of the countries in which you can get an account. I had to wait a few years for it to be supported for Monaco residents.

Jim