Wise

Move money at the real exchange rate and show the fee up front — then keep cutting the price as scale lowers cost: Wise Group plc (Nasdaq: WSE; LSE: WISE) charges a small, transparent fee on the mid-market rate with no FX markup, and its average cross-border take rate fell from 0.58% to 0.52% in FY26 (0.50% in Q1 FY27) while volume grew 31% to $243.5 billion for 18.9 million active customers. The multi-currency account, card, balances and Wise Platform for banks turn a transfer app into everyday money infrastructure: FY26 net revenue $2.50 billion (+19%), almost half from non-cross-border revenue, a 26% income-before-tax margin, and Q1 FY27 net revenue of $714.0 million (+25%).

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