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TransferWise (Wise) uses a transparent fee structure based on a fixed fee plus a percentage of the transfer amount, depending on the currency and payment method. For example, credit card payments incur higher fixed fees than bank transfers. The platform uses the mid-market exchange rate, which is one of the most competitive in the market. From my perspective, Wise’s transparent fees make it a reliable option for those looking to send money internationally, although credit card payments come with higher costs.