I don't hit with any ATM fees. Fid. will transfer to my BBL account also for free, so Wise is no use to me. ATM and transfer in, gets almost the same, as BBL will charge 200-500 for incoming. ATM is too easy, and marginal differnce if any, on amount received. Added plus of avoiding tax man, if ever enforced. Only other thing I use my pension for, since so little, is booking hotels, on rare occassion that we do book in advance.
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