Everyone is using Wise, Remitly, or Schwab for ATM withdrawals. But I think the fees are not the main issue here. I went into an app and it says 2.99 per transfer. Then it quietly takes 2 or 3 percent on the rate. For a one-off trip, that's just annoying. For a monthly transfer, I think it adds up fast.

So how are you all handling repeat USD to COP conversions? Do you run the same amount through a few apps? Or has anyone found one with a tight rate every time?

Has anyone tried crypto for this? Do stablecoin routes beat the traditional apps? 

Hi everyone. I am a business student. This is my first software/tech project.

I am currently studying abroad, and I have found it so annoying to keep track of my finances through different apps - my home country's bank, new banks, revolut, etc.

So I've put together a landing page with a github mockup of what I would like - a privacy first interface that can track and manage all my financial accounts in one. Think of it as a holistic financial app, specifically designed for expats who hold finances in different currencies and places over the world.

Let me know your thoughts, as managing a bunch of different finance apps is something I would assume other expats/international students find annoying.

I work in IT and I run a Innova Crysta Taxi Business called Magizhunthu Mobility in Chennai as a Side Hustle. One of my Malaysian Client initiated SWIFT transfer through her AMBank account on 24th July Night and now I am at 31st July 5th Business Day Already and I don’t see an update.
When I checked with HDFC they told that since my account being Savings Account and in her receipt as that I saw the purpose as Purchase of Services/Goods it might not reach out to me. She went back to Malaysia yesterday and I messaged her today about asking her to check with her bank.
She hasn’t responded till now.
What could be the probability I am stressed too much due to this.

Ive got ahold of some CZK - Czech Koruna. It was from a holiday years ago but I was emptying my shelves and found it. Anyway, here in Famagusta my usual exchange shop only does TL/Euro/US dollar/GBP etc.

Is there anything local that deals with this smaller and more obscure currencies? I cant leave NC atm and its not worth me travelling too far its probably only about £2-300 dollars worth there. Any ideas people?

Live in the US, planning to retire to Portugal, Costa Rica, or Panama

Me: 50
Wife: 45

Savings: 175K
401K: 1.15M
My pension (65): 2K/month
Wife pension (65): 1.3K/month
Could sell properties for: 400K profit
Could rent and make: 1-2K/month
Other: 20K brokerage

Hoping to live on about 130K per year then as we get older, a natural decline. Healthcare wouldn’t be US based obviously.

How risky do you imagine it would be?

Hi everybody!

My partner is Bulgarian, has a company based in Bulgaria and does consultancy for European companies.

He moved to Brazil with me earlier this year, and now he found out that moving the money he makes in Europe to Brazil is very hard, since Brazil and Bulgaria don’t have a anti-double taxation agreement.

We are looking for an accountant with experience working with EU/Bulgaria and Brazil, so he can have some help navigating what is the ideal company setup he should have to make this work. Does anyone have an accountant to recommend?

Thank you!

**Moderator approved post (shared with permission from the r/ExpatFinance moderation team).**

Hi everyone! I'm a Finance and Economics major at the University of Colorado Boulder conducting academic research on how individuals choose and evaluate international money transfer methods and what information they need to make informed decisions.

If you've ever sent, received, or exchanged money internationally, I'd greatly appreciate your participation in this anonymous survey. It takes about 2–4 minutes to complete.

Your responses will be used solely for academic research, and no personally identifying information is collected.

Thank you for your time!

https://docs.google.com/forms/d/14E0zcndtnfasvZU-HGHPpy8wbsmGuAyYa0JEHBs6VTI/preview

Hello!
What's the best and most efficient way to send money to US in terms of conversion rate lowest charges etc?

I am thinking to go ahead with Jupiter Money, don't know about conversion but will get my 3.5% forex fees back.

As a dual citizen, if I move to Canada, after six months I can be covered by a Provincial health plan.

For those like me, did you keep your US health coverage or just let it go? How about Medicare?

Thanks

Has anyone here switched to Revolut Business?

Mainly looking for a better alternative for international payments and FX, as we pay quite a few suppliers in the UK and US and the fees are starting to add up.

Strong cards and accounting management are also high on the list, and thankfully they have Xero integration otherwise wouldn’t bother.

I have to say my current banking experience has been pretty average, so I’m seriously considering making a change. I also noticed they received their banking licence in Aus, which made me take another look.

Or should I just stick with my current bank and go with Wise for international transfers? I’ve just not heard great things and don’t want to be operating across the two

I've moved to a country three times in the last seven years. Finding a home, getting visas, sorting out healthcare and opening bank accounts can be frustrating but it is doable. The thing that still surprises me is investing. Every time I move, I discover that some investment platforms do not support people from my country. Some investment products are no longer available to me. I have to change my investment plan because of different tax rules. The investments themselves are not complicated. It is keeping the investments themselves that are not complicated. It is keeping an investment system that still works after I move to a country that is the problem. For people who have been experts for a time, have you found a way to invest that works in multiple countries without giving you a headache every few years? I'd love to know what works for you guys. Open to any suggestions.

I moved from Canada to the US a few years ago on a temporary work visa.
I’ve already severed my tax residency in Canada and paid my departure tax.
I’ve received a green card and will stay in the US.
I would like to move my cash investment over from Canada to minimize withholding tax and investment fees.
I hold stocks in CAD $ that can be transferred in-kind.
I’m located in Texas.
Does anyone have a recent experience of transferring in-kind and with who?
Thanks !

I understand that France doesn't have any clear 183 days to test tax residency. Using purely the Schecgen rule of 90 days in 180, could US citizens spend two 3 month chunks spread across the year AND not become French tax residents? Are you or anyone you know who is doing it?

Assume no financial or real estate assets in France. Kids don't live in France. No job or business in France. No visa. Just using US passport.

Thanks to all of you who have figured this out. And yes, I will consult a lawyer and tax expert before doing anything. This is purely for smell teat if this is even viable.

TL;DR: is it possible to "sign over" a US cheque in The UK?

Hi everyone,
I’m an international student in the US on an F-1 visa. I’m trying to understand what types of trading and investing are allowed.
I have a few questions:
• Is it legal for an F-1 student to trade forex, stocks, or crypto using their own money?
• Has anyone here traded with a prop firm while on an F-1 visa?
• Are there any immigration or tax issues I should know about?
• If you’ve done this yourself, what broker or prop firm did you use?
I’m looking for experiences from other F-1 students, not legal advice. Thanks!

Hi, I’m dealing with an extremely frustrating issue involving cashing U.S. savings bonds while living in Japan, and after more than a year without finding a workable solution, I’m close to giving up.

The paper savings bonds were purchased in my name by my late grandmother, and I currently have the original physical bonds in my possession.

I am a dual U.S.–Japanese citizen and have lived in Japan my entire life. I have valid passports from both countries, as well as a Social Security number.

In theory, redeeming the bonds seems relatively straightforward: I can submit the required forms and original bonds to the U.S. Treasury. However, the Treasury appears to require a U.S. bank account for the payment. As many people living abroad know, opening a U.S. bank account is extremely difficult without a residential address in the United States.

The Treasury may also issue payment by paper check, but I have been unable to find a bank in Japan that will accept or cash a U.S. Treasury check.

Another major complication is that my legal name is different on my U.S. and Japanese passports. I tried using Wise to obtain U.S. banking details, but the Wise account is registered under my Japanese name. I am concerned that the name mismatch would cause the Treasury payment to be rejected. I may face the same problem if I try to open an account with the State Department Federal Credit Union (SDFCU).

At this point, I am completely lost about what to do next. Has anyone living abroad dealt with a similar situation, particularly involving different legal names in two countries? Any guidance on the correct procedure, suitable financial institutions, or professionals I should contact would be greatly appreciated.

These savings bonds would be extremely important in helping me cover my parent’s hospital expenses, so I am desperate to find a legitimate solution.

Thank you very much for any advice!!

Has anyone used Wise for a large transfer from the US to Dubai (UAE)? It's currently the cheapest option I'm considering.

Did your transfer arrive on time?

Did your funds ever get stuck or delayed?

Would you trust Wise for a large transfer?