revolut for a hot second was a better USD-EUR rate, but wise has kept the lowest fees thus far

It’s not horrible… compared to the competition. It’s least evil.

what rate do you typically get? around 50bps or so?

let's just say it's a guy I know 0.9%, though I'm sure there's some spread in there Sent: 200 USD Total fees: 1.80 USD (0.26 USD = ACH fee) (1.54 USD = wise fee) exchange rate: 0.938550 received: 186.02 EUR

revolut imposed an additional fee for US ACH or debit transfers sending to EUR that made it about twice more expensive than Wise

Jesus. That blows.