You may never look at Travel Money the same way again.  Wise started life as TransferWise in 2011 by two friends from Estonia who, working in London, were always looking for cheaper ways to send money back home to Estonia (International Money Transfers).

We at Plan It For Me have been using the Wise App for Years, and is a trusty, hassle free, and more importantly, Cheap way to convert and send money, as well as make payments in foreign currency. 

Richard started using the service in 2016 while working in Dublin.  Being paid in Euros, he used it to convert and send money back to the UK every month to pay his (GPB) mortgage in Scotland.  You simply select the amount you want to transfer from the source currency, and the app instantly shows you the amount that will be sent to the requested account in the destination currency, along with the fixed fee for the conversion rate/transaction (These fees are always considerably lower than your bank of other foreign exchange providers).

Fast forward a few years, and Wise launched the Wise Card account.  A similar concept to older style pre-loaded currency cards, but with huge differences and benefits.

With the Wise card, you never have to worry about exchange rate markups,
or high transaction fees when you spend abroad. You get access to 40+ different currencies, and a service that is ready to use immediately.

Once you sign up, You simply add the amount of money you want to, to your base currency of choice (For us it is £GBP) account.

Select the Currency you want to use (eg:  EUR), and the app instantly creates a basic bank account in that currency for you.

From your base currency account, you then select to convert some or all of the funds you have available to the new currency.  The app shows you the exchange rate, how much you will receive, and like the international money transfers, the fee you pay.

Now – The fee you pay is the important bit.  Say for Example your fee is £2.  That is the only exchange fee you are going to pay, unlike your bank who will charge you a fee, and offer you a (less that great) exchange rate every time you tap your card. 

Use your Wise Card instead of your bank card while you are travelling, ‘Tap’ to pay like a local and withdraw money from local ATM’s at no additional cost (You pay only a super-low fee on withdrawals  from ATM’s after the first £200 of withdrawals from an ATM).

The best bit is – Wise Card offers you access to 40+ different currencies, and Its available to use as soon as your account is set up, via a Virtual card that can be added to Apple Pay or Google Pay Instantly, as well as having a physical card sent to you.  We have also found the Wise Card to be more reliable than competitors like Revolut.

Richard spends a lot of time working in Germany, and uses his Wise card on a monthly basis, saving himself a small fortune in bank fees.  This is a service he recommends to family and friends frequently, and is how the rest of us at Plan It For Me started using it (Seriously, once you get him started, he doesn’t shut up about it!).

If you too want to take advantage of this, you can open a Wise Account here:   

Get your Wise Account Here

Wise also offer a referral programme to new and existing customers.  Wise will give you £75 for every 3 friends or family you refer, who spend over £100 each on their card.  If your family or friends like to travel as much as we do, it’s easy money!