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Created in 2010 by longterm friends and residents of Estonia Taavet and Kristo, TransferWise is one of the world’s leading ways of sending money to and from consumers, businesses, and government agencies. TransferWise offers you the service of being alerted by changes in exchange rates so that you can best time your planned money swaps. This company also provides potential clients with complete, accurate breakdowns of financing fees through a widget on TransferWise’s website that is free to use and doesn’t even require users to have accounts with the company. You can utilize TransferWise’s services through debit and credit cards, bank accounts, payment apps, and more, making its services easily available. The company also offers a low-fee borderless exchange account.