I have a US bank account and an EU bank account. Can open new bank accounts anywhere if needed.
So far the best deal I've found is transferwise, which takes about 0.5% off the Google rate.
I was also looking at crypto but exchange fees don't make it worth it at my level (O(10k)).
Any advice?
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Also incoming USD transfers via ACH are blocked for withdrawal for 45 days or so as they are reversible. But not wire transfers AFAIK