Since I might be travelling to oversea, I had made comparison for a few currencies between Wise and Mastercard (Jumpstart) exchange rate.

USD:




SGD:




EURO:




JPY:

Continued from previous post due to number of picture limitation

Baht:




GBP:




It seems like even with recent fee increased, Wise can still be cheaper for some currencies while Mastercard is not always cheaper than Wise even without conversion fee. Did I make any mistake in this comparison?

I think it also depend on the time you check the exchange rate. I found that almost all currency is more expensive in Wise if you check it at night while if I check it in the afternoon, Wise some time can be slightly cheaper. Another thing I found out is, USD is always more expensive in Wise no matter what time you check.

Those ambank cards are credit card.