Wise shows you the fee they charge for any transaction and you get the international rate exchange. Visa told me that they do not charge for money transfers, but they do not give you the proper international exchange rate. This could mean hundreds or thousands of dollars on larger transactions.
I don’t know about Swift accounts. I’m sure it’s used in the commercial world.
That’s correct, declare any amount and make sure you can show where it came from. I’m going to take over $100, 000 with me upon my enter. Plan on an Elite Visa for my wife and I. They will help set up a bank account for us. Wise limits you at $50,000 from the US.
My wife also a NZ’er has a friend which wanted to go to Australia. She mentioned it. It’s certainly not fair but I guess they want to keep people in New Zealand. A British government will pay their pension, but they are frozen at the time they leave so there won’t be any increases over the years.