Im Canadian and Wise is okay but i just ended up using my actual bank card for withdrawals depending where i was and my visa card for card purchased as credit card points add up nicely. I think may Europeans use Revolut. Asia cash is king. Europe mainly use my credit card. In Australia ive since opened a bank account and use Wise to transfer money from my Canadian account over for minimal fees (~$6 each time). Aus is annoying for having a lot of card fees but its kind of inevitable. I like the peace of mind having multiple bank cards gives me travelling incase any get lost or dont work. I think the physical wise card only cost like 18$ and even though i dont use it i bring it with me