Do note that Transferwise vs traditional FX is not apples-to-apples. When you exchange at at bank you are done now. With Transferwise you might be done now, or

Do note that Transferwise vs traditional FX is not apples-to-apples. When you exchange at at bank you are done now. With Transferwise you might be done now, or maybe tomorrow, or maybe they'll cancel the deal because the market moved. It's a fine product, but the difference in risk profile needs to be taken into account when considering the price.