[nout]

For larger amounts it makes sense to use the bitcoin rails for international transfers. I'm doing bank to bank international transfers and using bitcoin saves around 3% compared to Wise and you get the money immediately (or within 1hr, depending on what you use).

[fpoling]

Few years ago I needed to transfer a big sum from a Scandinavian country into Euro. The official bank exchange rate plus fees was worse than Wise’s. But I asked the bank and the bank gave me an exchange rate that was like 0.1% better than one from wise.

[nout]

Depending on the direction, but there are ways to actually make a little extra on top of the middle exchange rate (e.g. on the USD to EUR path), since there are many people that want to buy no-KYC bitcoin in Europe and they are willing to pay a couple % extra.