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> but Wise, my bank

I also use Wise for my "banking services", but remember that Wise is NOT a bank, it's not regulated or insured as one.

For alternatives - doing cross border service is too much adminstration and legal bother for most of the new online services - try an old fashioned bank that has an international presence. At worst you may have to visit an office (from the Netherlands you could make the trip in a day for less than €100), but the service will be an order of magnitude greater.



Yes, for the company we have a large brick & mortar international bank (with custom contracts on money transfer fees) and a backup brick & mortar bank where we put our money that is marked for investments. For payments to staff and expenses, we use Wise + Revolut (both) and we all have both cards. This seems to get us the best rates with the least risk. It's a little bit more expensive than just using Revolut or Wise, but having our funds frozen would be lot more expensive.


If you opt to receive interest on your balance (I don't see a reason not to), your money will be kept in JPMorgan Chase Bank, NA, and FDIC insured.




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