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Transferwise – Get your first transfer of up to £500 fee-free. Plus £50 when you refer 3 friends and they transfer over £200

Transferwise allows you to open a virtual bank account with multiple currencies and order a physical debit card to send and spend money overseas easily.

There are no hidden fees on the exchange rate and you can send money to over 80 countries.

It even provides a physical debit card that allows you to get access of your fund throughout the world. 

No expire date (2022)

https://wise.com/invite/ata/ludmilac20