Wise (formerly TransferWise) is a digital-only banking app that offers several currency accounts including GBP, EUR and USD. Real time international transaction fees. No fee ATM withdrawals up to £200 per month. *Pro tip: use at the same time or alternatively with Revolut. Find links on my page. Referral code: tiagoc660 What's free? 1 Free money transfer when sign up using "link above" for new application. ***You must manually insert the referral code when apply in the app.