The Complete Guide to Wise: Secrets Revealed and Complete Comparison with Airwallex, N26, Revolut and Payoneer

The Importance of International Banking in the Present Day

Cross-border money management has become a basic requirement for millions of people all over the world. The truth is, no matter what you do—work as a freelancer for international clients, become an entrepreneur and go global, be a digital nomad and travel the world, or simply send money to your family abroad—you definitely need a money solution that will not suck your money through hidden fees and bad exchange rates.

For quite a long time, the traditional banks have been the ones to control the scene of international money transfers, however, they still maintain charging high fees and giving low exchange rates. This is the point where modern fintech solutions like Wise come in to change the way we handle multi-currency finances. But indeed, having so many options at hand—be it Wise, Revolut, Airwallex, N26 or Payoneer—how can one pick the right platform on which to rely?

This detailed manual will delve into the secret of Wise, analyze its features deeply, and compare in detail with its closest competitors, thus giving you a clear picture of how to use international banking to your advantage.

The Point of Departure: What Confers Wise Its Uniqueness

It is absolutely necessary to figure out the offerings of Wise prior to conversion of its qualities with those of other entities. Launched in 2011, Wise (like TransferWise) has become the favorite of over 14.8 million users worldwide and is responsible for a quarterly volume that amounts to approximately $49 billion. Essentially, the company's pioneer idea and still its mainstay is: to employ the authentic mid-market exchange rate and do away with all those hidden charge-ups.

The Central Promise

Where traditional banks are putting the fees into the disguised inflated exchange rates, Wise makes the payment upfront visible to the customer. The platform works with the rate you can verify by yourself on Google or a financial news site—the real mid-market rate—and it also imparts a very minor and completely transparent fee to cover their costs.

Explore Disclosures, Features, and Services of Wise Thoroughly

Multi-Currency Account Functionalities

Wise opens the possibility of a multi-currency account to the user, giving him or her the opportunity to keep, carry on with the business, and convert more than 40 different moneys in one place. This is not some amazing feature that is never used—on the contrary, it is a real and effective tool that can bring a lot of money and time to you.

Features at a Glance:

Be allowed to more than 40 currencies at once
Be paid in more than 9 currencies with your local account details
Convert the currencies at the mid-market rate
Freedom from minimum balance requirement
Considers provision-free maintenance of the basic account

It is particularly worthwhile to have bank details in more than one currency. When you register with Wise, it is possible to get local bank account details for a great plethora of currencies such as USD, GBP, EUR, AUD, NZD, CAD, HUF, RON, SGD, and TRY. What it essentially means is that your clients or employer(s) can pay you as if you have a local bank account in their country which saves them from paying international transfer fees.

International Money Transfers: The Core of the Company

One of the strongest features of Wise is international transfers at affordable prices which is how they earned their reputation in the area and is still very much to the point.

Transfer Features:

Send your cash to more than 160 countries
Make transfers in more than 50 currencies
Variable fees most of the time going from 0.33% to 0.60%
The fixed fees that wire transfers charge starting from around $7
70% of transfers that are less than 20 seconds long
95% of transfers completed within 24 hours

The platform accomplishes a considerable part of its innovative transfers by avoiding the conventional SWIFT networks. What is generally happening in international transfers is money is sent through a sequence of correspondent banks (each pocketing its fee), while Wise does it through local bank accounts in different countries. To give you an example of how it works, if you are sending money from the US to the UK, Wise will take your dollars from its US account and will give pounds from its UK account. Thus, most international transfer costs are removed, and delivery times are shortened drastically.

For large transfers, discounts are automatically applied by Wise when one sends over $25,000 (or an equivalent amount) in a single month. These discounts, which are based on volume, can help a lot of money to which a business or an individual who does large transfers regularly is entitled.

Receiving Money: Local Account Details for Different Regions

What is most impressive about Wise is the multi-location feature where one is able to receive as a local in various currencies different funds, this feature is worth a lot for:

Freelancers receiving payments from international clients
Businesses collecting revenue from multiple markets
Expats receiving salary in one currency while living in another
Digital nomads managing income from various sources

The receiving features comprise:

Free local transfers for most currencies
Local account details in 9+ major currencies
SWIFT/Wire receiving available (with a $6.11 fee for USD incoming wires)
ACH transfers in USD (completely free)
No fees to receive in EUR, GBP, AUD, NZD, RON, HUF, TRY, CAD, or SGD

If you use your Wise referral link to register, then you will have all the receiving capabilities that are necessary and that immediately can start saving you money, if at the moment you are paying high fees for international payments.

The Wise Card: Spend Anywhere in the World Without Paying any Fees

Wise debit card (depending on your area, can be a Mastercard or Visa) is directly connected with your multi-currency account. With this, a wonderful spending tool that could be used worldwide is created.

Card Benefits:

Be allowed to spend in more than 50 currencies at the mid-market rate
Free card payments worldwide
ATM withdrawals (free up to certain limits, then small fees apply)
Instant transaction notifications
Contactless payments and digital wallet support

The card is smart enough to take money from the balances in your account. If you pay in euros and have euros in your account, then it uses those directly. If the payment currency is not in your account, then it automatically converts it from another balance at the mid-market rate with the transparent Wise fee.

For people who are always on the move or those who buy things from foreign countries, this can result in saving from a couple of hundred to even a few thousand dollars annually as opposed to traditional bank cards that charge foreign transaction fees of 2-3%.

Business Accounts: The Features of the Future For Companies

Wise Business accounts provide the user with personal account features and extra ones, the features are designed for commercial use:

Business-Specific Features:

Batch payments (pay up to 1,000 recipients at once)
Integration with accounting software (Xero, QuickBooks)
Team member access with customizable permissions
Invoice creation and management
Currency Groups for team spending management
Business debit cards for team members
API access for automated workflows

Wise's pricing model is particularly attractive to businesses. There are no setup fees, no monthly subscriptions for the basic business account, and its transparent, low fees which apply to business transfers are the same as to personal ones.

Growing Your Money: Interest and Investment Options

Wise has been adding to its features for the past several years and has gone beyond mere money transfer and storage to include ways to make your money grow while still being liquid.

Wise Interest (Available on GBP, USD, EUR):

Current USD interest rate: 3.4% APY
Daily interest calculation and payment
Full instant access to funds—you can still send, spend, and receive
Money held in low-risk government-backed assets
FDIC insured up to $250,000 (for USD balances)

Wise Assets (Stocks):

Invest in BlackRock's iShares World Equity Index Fund
Tracks 1,557 major global companies
Available across all currencies Wise supports
Can spend or send up to 97% of invested money anytime
Annual fees: 0.55% (Wise service fee) + 0.15% (fund management)
Capital at risk—returns not guaranteed

These options turn Wise from just a money transfer service into a more complete financial platform. Your money does earn returns while still at your disposal for instant use—a rare occasion that traditional banks rarely provide, especially with multi-currency balances.

Comprehensive Comparison: Wise vs. Competitors

Now let's look at how Wise stacks up against the other main players in the international banking field. In this comparison, we are going to use features that matter most to users: fees, the currencies that are supported, account types, card offers, and how easy it is to use the system.

Fee Structure Comparison

Knowledge of fees is very important as they have a direct effect on the amount of money you keep. Here's how these platforms compare:

Analysis: Wise consistently offers the most transparent and often lowest fee structure. While Airwallex can be competitive for businesses, Wise's fees are generally lower and more predictable. Revolut's weekend markup can be costly for those trading outside business hours. Payoneer's receiving fees make it expensive for frequent incoming payments, though it integrates well with freelance marketplaces. N26's partnership with Wise for transfers means you essentially get Wise's pricing when making international transfers through N26.

Supported Currencies and Geographic Reach

The number of currencies you can hold and send matters significantly if you operate across multiple regions.

Analysis: Wise offers excellent currency coverage with particularly strong local account details—crucial for receiving payments cheaply. Airwallex provides impressive business-focused options with more local account details than any competitor. Revolut supports many currencies but limited local account details. N26 primarily serves European customers with euro accounts but leverages Wise for international transfers. Payoneer covers many countries but with fewer currency options.

When you create a Wise account, you immediately gain access to receive money in 9+ currencies with local account details—more than most competitors offer.

Card Offerings and Spending Features

How you spend money abroad is just as important as how you send it.

Analysis: Wise and N26 offer the best value for card spending abroad with zero foreign transaction fees. Wise's card particularly shines because it allows holding and spending in 50+ currencies at the real exchange rate. Revolut charges high ATM fees. Airwallex focuses on business use with good card options but a 1% conversion fee. Payoneer's 3.5% card conversion fee makes it expensive for frequent card use.

Account Types and Availability

Not all platforms serve all customer types or regions equally.

Analysis: Wise offers the broadest accessibility with both personal and business accounts available in most countries globally. The platform is fully regulated and for USD balances, funds are FDIC insured up to $250,000. Airwallex primarily targets businesses and may not be suitable for personal use in many regions. Revolut has strong European presence with actual banking licenses in some regions but limited US availability. N26 is excellent in Europe with a German banking license but has restricted US operations. Payoneer excels in connecting freelancers with marketplaces but charges high fees for many transactions.

Integration and Automation Features

For businesses and power users, integration capabilities matter significantly.

Analysis: Airwallex leads in integration capabilities, particularly for e-commerce businesses needing tight platform connections. Wise offers solid business features with good accounting software integration and useful automation like batch payments. Revolut provides API access on paid plans with decent integration options. N26 offers minimal integration features, focusing on simplicity. Payoneer excels specifically at marketplace integration—ideal for freelancers using platforms like Upwork or Fiverr.

Speed and Reliability

Transaction speed can be critical, especially for time-sensitive payments.

Analysis: Wise leads in transaction speed with their innovative payment network enabling most transfers to complete in under 20 seconds. Airwallex also offers fast same-day processing for most routes. Revolut provides instant transfers between Revolut users but longer for external transfers. N26 and Payoneer typically require 2-3 business days for most international transfers.

Hidden Secrets and Pro Tips for Using Wise

Beyond the basic features, here are valuable insights that experienced Wise users know:

Maximizing Your Savings

Volume Discounts Activate Automatically: Once you transfer $25,000 (or equivalent) in a month, discounts apply automatically to all remaining transfers that month. The discount can be up to 0.17%, which adds up significantly on large amounts.
ACH Transfers Cost Less Than Wires: When funding your Wise account, using ACH (bank transfer) is always cheaper than wire transfers. The only trade-off is speed—ACH takes 1-2 business days while wires are same-day.
Holding Currency When Rates Are Good: You can exchange currency in advance when the exchange rate is favorable, then hold it in your account until you need it. This strategy, called "forward planning," can save money if you know you'll need a currency soon.
Using Balance for Transfers: Transfers funded from your existing Wise balance are often cheapest because there's no need for initial currency conversion or bank deposit processing.

Receiving Money Strategically

Provide Local Details When Possible: Always share your local account details (like USD account number for US payments) rather than asking senders to use SWIFT. This eliminates their international transfer fees and reduces costs.
Avoid Incoming Wire Fees: Request ACH or local bank transfers to your USD account instead of wires to avoid the $6.11 incoming wire fee.
Invoice in Received Currency: If you're a freelancer or business, consider invoicing in the currency your client will pay from. This eliminates conversion fees on their end and makes payment more likely.

Card Usage Optimization

Pre-load Currencies Before Travel: Before traveling, convert some money to your destination currency when you see good rates. Then your card spending comes directly from that balance with no conversion needed.
Monitor ATM Fees: While Wise offers free ATM withdrawals up to certain limits (varies by region), always check for fees charged by the ATM owner—these are separate from Wise fees.
Use Card for Large Purchases: Since card payments have no foreign transaction fees, using your Wise card for large purchases abroad (hotels, flights) can save 2-3% compared to regular bank cards.

Business-Specific Strategies

Batch Payments for Efficiency: Use batch payment features to pay multiple suppliers or contractors at once, saving time and potentially money if they're in the same currency.
Set Up Team Member Access: Grant team members limited access with their own cards and spending limits. This streamlines expense management while maintaining control.
Use API for Automation: Businesses with high transaction volumes can automate transfers, balance checks, and reporting through Wise's API, saving administrative time.
Tax Documentation: Wise provides detailed transaction history and statements that can integrate with accounting software, simplifying tax preparation and bookkeeping.

Interest and Investment Strategies

Enable Interest on Operating Funds: Even money you need for operations can earn interest with Wise Interest since funds remain fully accessible. This is essentially free money on working capital.
Consider Assets for Long-term Holds: If you have currency you won't need soon, the Assets feature (investing in stocks) historically offers better returns than interest, though with more risk.
Dollar-Cost Averaging: You can systematically invest portions of your balance into Assets over time, reducing the impact of market volatility.

Special Offer: Getting Started with Wise

When you join Wise through this link, you'll receive a special benefit: your first transfer up to £500 (approximately $625 USD) is completely fee-free. This means you can test Wise's service and save money on your first transaction immediately.

What you get when signing up:

Fee-free transfer up to £500
Full access to multi-currency account features
Instant ability to get local account details in major currencies
Wise debit card (where available)
Interest earning capability on USD, EUR, and GBP
Access to Assets investment features

How to claim:

Click on the Wise referral link
Complete the simple signup process (usually takes under 5 minutes)
Verify your identity (upload ID and proof of address)
Make your first transfer and the fee waiver applies automatically

This promotional offer provides immediate value and lets you experience firsthand why millions of users have switched to Wise for their international money needs.

Making Your Decision: Which Platform Is Right for You?

After this comprehensive comparison, here's guidance on choosing the right platform for different use cases:

Choose Wise If You:

Need broad currency coverage with low, transparent fees
Want to receive money cheaply in multiple currencies
Make regular international transfers to individuals
Travel frequently and want to spend without foreign transaction fees
Need a reliable platform with excellent customer support
Want to earn interest on your currency balances
Value transparency and simplicity
Are an individual, freelancer, or small-to-medium business

Choose Airwallex If You:

Run a medium-to-large business with complex payment needs
Need extensive local account details (23+ currencies)
Require advanced expense management workflows
Integrate heavily with e-commerce platforms
Process high payment volumes
Need robust API integration
Focus primarily on business rather than personal use

Choose Revolut If You:

Want access to cryptocurrency trading alongside banking
Need stock trading capabilities in the same app
Prefer an all-in-one app for personal finance
Are primarily based in Europe or UK
Value budget analysis and spending tracking tools
Don't transfer money on weekends (to avoid markup)
Want a free basic account with decent features

Choose N26 If You:

Are based in Europe and primarily need a euro account
Want a simple, user-friendly banking app
Don't need extensive currency options
Value the security of a German banking license
Want to combine N26's interface with Wise's transfer capabilities
Prefer integrated banking rather than specialized services

Choose Payoneer If You:

Are a freelancer working primarily through marketplaces (Upwork, Fiverr, Amazon)
Need to receive payments from these specific platforms
Operate in one of the 195+ countries Payoneer serves
Don't mind paying higher fees for marketplace convenience
Need payment gateway integration
Primarily receive rather than send money

The Wise Advantage: Why It Stands Out

After comparing all features, fees, and capabilities, Wise emerges as the most balanced and cost-effective solution for the majority of users. Here's why:

Superior Fee Transparency: While competitors hide costs in exchange rate markups or charge varying fees based on plans, Wise shows exactly what you pay upfront using the real mid-market rate. This transparency alone can save hundreds or thousands annually.

Comprehensive Currency Support: With the ability to hold 40+ currencies and receive money in 9+ currencies with local account details, Wise provides more practical currency options than most competitors. This isn't just about numbers—it means you can receive payments cheaply from more countries.

Fast Transfers: With 70% of transfers completing in under 20 seconds, Wise's proprietary payment network outperforms traditional banking rails significantly. When speed matters, Wise delivers.

Balanced Feature Set: Wise offers personal accounts, business accounts, debit cards, interest earning, investment options, and more—providing comprehensive financial services without complexity.

Global Availability: Operating in 100+ countries with proper licensing and regulation, Wise is accessible to more users worldwide than region-specific alternatives.

No Subscription Required: Unlike Revolut's tiered system or Airwallex's monthly fees for full features, Wise's basic account costs nothing monthly. You only pay for what you use.

Continuous Innovation: From adding Interest earning to launching Assets for stock investment, Wise consistently enhances its platform while maintaining its core principle of low, transparent fees.

Real-World Use Cases: Wise in Action

Understanding how Wise works in practice helps illustrate its value:

Freelancer Scenario

Maria, a graphic designer in Mexico, works with clients in the US, UK, and Australia. Using Wise, she:

Receives payments in USD, GBP, and AUD using local account details
Converts to Mexican pesos only when needed at good exchange rates
Holds USD when the exchange rate is unfavorable
Pays for Adobe subscriptions in USD from her USD balance
Saves approximately $250 monthly compared to receiving all payments through her Mexican bank

Small Business Scenario

A US-based e-commerce company selling to Europe:

Receives payments in EUR, avoiding currency conversion for customers
Holds EUR balance to pay European suppliers directly
Converts remaining EUR to USD at the mid-market rate
Uses Wise Business cards for team members traveling to trade shows
Saves approximately $15,000 annually compared to traditional business banking
Batch payment feature cuts payment processing time by 70%

Digital Nomad Scenario

James travels continuously while working remotely:

Holds multiple currencies in his Wise account
Spends in local currency using his Wise card without fees
Receives salary in USD from his employer using US account details
Converts only what he needs to local currency
Earns 3.4% APY on unused USD balance
Saves approximately $1,800 annually on foreign transaction fees alone

Expat Scenario

An American living in London:

Receives UK salary in GBP using local UK account details
Holds both USD and GBP in the same account
Sends money to family in the US using the mid-market rate
Pays US student loans from USD balance
Transfers between currencies when rates are favorable
Saves approximately $3,000 annually versus using traditional bank for currency conversion

Regulatory and Safety Considerations

When choosing any financial platform, understanding security and regulation is crucial:

Wise Security Measures

Regulated by financial authorities in every country it operates
FDIC insurance up to $250,000 for USD balances (through program banks)
Two-factor authentication required
Real-time transaction monitoring and fraud detection
Funds segregated from company operational funds
Regular security audits and compliance reviews

Comparison of Regulatory Status

Wise: Licensed money transmitter in most markets; FDIC insured USD accounts
Airwallex: Licensed in Hong Kong, UK, Australia, Singapore, US
Revolut: Bank license in EU/UK; Money transmitter in US
N26: Full German banking license; FDIC insured in US
Payoneer: Licensed money transmitter globally

All platforms mentioned are legitimate, regulated financial services. However, Wise and N26 offer additional security through banking regulations and insurance schemes.

Common Questions and Concerns Addressed

"Can I use Wise as my primary bank account?"

Wise offers many banking-like features, but it's not technically a bank. You can receive salary, hold balances, spend with a debit card, and earn interest. However, you won't get services like loans, credit cards, or local branch support. Many users successfully use Wise as their primary account, especially if they don't need traditional banking services.

"How does Wise make money if fees are so low?"

Wise makes money through:

The small transparent fee charged on transfers
Very small percentage on currency conversions
The number of users and transactions—millions of users making billions in transfers
Auxiliary services such as card issuance and selected premium features

This model paves the way for business to run sustainably and still maintain low user costs.

"Is my money safe with Wise?"

Indeed it is. Wise meets all the requirements for the regulatory authorities in each and every one of its operating jurisdictions. Customer funds are kept in separate accounts from operational funds, so they are safe even if Wise is going through a hard time financially. Additionally, USD balances have FDIC insurance coverage up to $250,000. The company has been around for more than ten years and during that time it has successfully processed very large numbers of transactions without any breaches in security.

"What if the exchange rate changes during my transfer?"

Wise guarantees the exchange rate at the moment of your transfer request. Even if the rates change when the money is being sent, you get the exact amount that was first quoted. This is a bind for both the payer and the recipient.

"Can I cancel my transfer or ask for a refund?"

Indeed, you can preclude the processing of your transfer by canceling it beforehand. A money bailout to the recipient makes it impossible to cancel. Nevertheless, Wise has a very transparent system with regard to tracking and timing, so usually, the status of the transfer is known at all times.

The Future of International Banking

The fintech revolution has transformed how we manage cross-border money. While traditional banks charged exorbitant fees with opaque pricing, platforms like Wise, Airwallex, Revolut, N26, and Payoneer have forced the industry toward transparency and customer-friendly pricing.

This competition has been a great win for the consumers. Features that seemed next to impossible a decade ago—one account holding 40+ different currencies, interest on foreign currency, instant transfers—have become a new standard. As these platforms keep on developing, we, the users, can look forward to:

Transfer speeds getting even faster
More currencies and countries being supported
Enhanced investment and wealth-building features
Better integration with everyday financial tools
Lower costs due to technological improvements and the economies of scale

Taking Action: Start Saving Today

In case you are still relying on traditional banks to send money abroad, or maybe you are using some other services and are paying high fees, then it is very likely that you are losing hundreds, if not thousands, of dollars every year. This guide's comparative analysis serves as evidence that for most users, Wise is the best option when it comes to the mix of low fees, transparent pricing, comprehensive features, and reliability.

The perfect moment to do the transition is now thanks to the special promotional offer. Use this link to sign up for Wise and get a free transfer for up to £500. The saving of money right away along with the lower costs that are ongoing as from the very first day, you will be the one to benefit.

Final Recommendations Summary

This guide's comprehensive analysis suggests the following:

For Most Individual Users: Wise is the provider that delivers the most value overall with clearly stated fees, wide-ranging support for different currencies, fast transfers, and helpful extra features such as interest and investment options.

For Large Businesses with Complex Needs: Airwallex provides more advanced business features, a greater number of local account details, and powerful API integration, however, it is accompanied by higher costs.

For All-in-One Personal Finance: Revolut combines banking, investment, crypto, and international transfers in a single app and is mainly suitable for European users who are more focused on the convenience than the lowest cost.

For European Banking: N26 comes with a fully-fledged banking license that allows SEPA transfers and partnerships with Wise to facilitate international transfers, thus, offering an ideal hybrid solution for residents of Europe.

For Marketplace Freelancers: Payoneer is great in terms of platform integration (Upwork, Fiverr, Amazon), but its fees are higher than the ones of the competitors.

The bottom line is that: Wise is at the top of the international banking field when it comes to transparent pricing, wide accessibility, full currency support, and reliable service. Become a member and save on international transfers right away.

Additional Resources and Next Steps

Ways to Optimize Your Wise Account

Do not waste time on account verification by having your ID and proof of address ready
Create local account details for the currencies that you deal with on a regular basis
Turn on Interest earning for balances in USD, GBP, and EUR
Get ready for foreign spending by ordering your physical Wise card
If you have savings medium to long-term, then look into Assets
For added protection, set up two-factor authentication

Helpful Links

Wise Fee Calculator: Get the most accurate and transparent fee of your transfer routes
Wise Help Center: Guides and FAQs covering all aspects
Currency Converter: Sources with real-time mid-market exchange rates
Transfer Speed Estimates: Provide info on how long your transfer will take
Business Account Information: Discover the possibilities and advantages of commercial use

Keep Learning About Money

Knowledge of global finance will lead you to better decisions. Some ideas:

Keep an eye on currency markets if you often do large transfers
Understand the different account types thoroughly (personal, business, multi-currency)
Know the distinctions between SWIFT, ACH, SEPA, and other wire systems
Find out how exchange rates work and what factors influence them
Be on the lookout for reg changes in the field of intl banking

Conclusion: The Smart Choice for International Money

Even though managing money across borders can seem complicated and expensive, it doesn't have to be. This detailed comparison has proven that although there are several good options, Wise is the one that most of the time provides the best balance of low costs, transparency, speed, and features.

Whether it be sending money to the family, paying for goods and services abroad, getting paid by foreign clients, or traveling around the globe, the right financial tools will save you a lot of money and give you peace of mind at the same time. The data and the analysis that this guide contains are an illustration of the fact that in most cases, Wise is the one that offers these benefits the most generously in comparison to the alternatives.

The promotional offer—the first transfer up to £500 free of charge when you sign up through this link, sign here—is a way to provide value immediately as well as giving a risk-free opportunity to experience the Wise difference. In addition to that, there are no monthly fees and the pay-as-you-use pricing model is in place, so there's absolutely no downside to opening a Wise account and having it ready for when you will need it.

Make your financial decisions wisely today. Don't keep overpaying for international money transfers and start saving more of your hard-earned money. Your future self will definitely be thankful for that, thousands of dollars over time, just by switching to a transparent and customer-friendly platform like Wise.

Start your journey with Wise right now and get your first transfer for free

Disclaimer: This article serves as a comparison of publicly available data. Fees, features, and access may be subject to change. Always double-check the official website of the respective service for the most current terms and conditions. The referral link is part of Wise's standard referral program and as such, provides benefits both to the referrer and the newly referred users. All information presented here was accurate at the time of writing and is meant solely for informational purposes.

The Complete Guide to Wise: Uncovering Secrets and Comprehensive Comparison with Airwallex, N26, Revolut, and Payoneer