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Wise was set up with a mission to make it cheaper and easier to send payments overseas. With Wise you can send money to 80+ countries, hold a balance in 50+ currencies, and spend with a linked Wise card all over the world. The good news is that Wise is safe to use, whether you want to send or receive a payment, spend internationally, convert currencies or hold a balance. As a financial service provider, Wise is covered by regulations around the world which are designed to keep customers and their money safe.