Wise is a wallet that allows you to hold cash in several currencies and provides you with local bank accounts in the US (in Dollars), Belgium (in Euros) and the UK (in Pounds). So if you need to transfer money say, in Euros, you can do it with a Bank Account in your name. It's a complete solution for someone that needs to transfer money in different currencies and pay online services, with the lowest possible fees (It is cheaper than Neteller, actually). How to open and use a Wise account? (1) Download the App on the phone by clicking on the website's path, it will request you some personal data [Passport and a Utility Bill]. (2) Once the account is open (It only takes a few days), you deposit cash via credit cards, bank transfers, or even via other payment processors and then you are ready to shop, pay, receive money, transfer money and pay for online services. In other words, once the account has been funded, there's little you can't do with it in terms of fulfilling your money movement needs: Do you like gambling? Are you an online trader? Do you need to buy on foreign shopping sites? Do you need to transfer money abroad? Well, you can do this and more with Wise. Also, a key feature for Samoan residents is that it allows to hold a balance in Tala so, whenever you are about to receive an international transfer, you can make a local transfer into your own account in USD, EUR or GBP, convert it in between your balances, and then transfer it to your local bank account. This will make you save a massive cash transfer cost.