@jonossaseuraava @kaia As far as I can tell others are more like credit cards, they have all kinds of weird rewards and monthly plan tiers and crap. none of which I care about, I just want to hold currencies and pay with them.

And that's what Wise does, you pay once to get the card (which is also free if you're referred) and then you do your thing.

The only other fee seems to be ~0.5% for conversions and like 25 cents if doing top-ups via a debit card rather than from your bank account.