The problem is a newbie can not have a local bank account. And Wise card is higher percentage than many other cards when used for cash in ATM. Most newbies will use ATM card for at least a few months but try to have low fee/and return of ATM charge type if they can. As said above Wise card is high percentage fee to obtain cash at ATM. But one size does not fit all - some people will not be that concerned about the extra 3 or 4 percent costs (especially if for only a limited time),