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Without clicking what this is in reply to, I'd add my +1 to Revolut. They provide cards / physical or digital, free fx transfers (presume up to a certain threshold but I've never had to test it) and bank accounts in various currencies. I've paid people all over the world with it this past month or two since I started using it. Very impressed. Very easy to use, reliable etc.
CYOA
Another +1 for revolut. Awesome for people who travel a lot.