John Cooler 🤣 too trusting? Yet you probably have used credit card at shops, random atms, online shopping, but scared to use world famous global company? You kidding right?

Ed Ferrageau stories 🤣 its always friend of a friend 🤣

Exactly that- just stories.

Wise both options

Can use them to transfer using account or card

Can also hold a wise account in any currency and add money, and simply change it to different currencies at mid market exchange rate.

Used it for years, both transfers and holding money in wise account, which is good for paying for things straight from wise account without needing the transfer part.

Easy and without issue.