Are the currency conversions automatic, do they fetch the rate of whatever service you're using? E.g. converting USD to EUR on Wise on 28 Dec 2025 surely gets you a different amount compared to doing it on Revolut, or paying EUR with your card (which is USD-denominated), and on Jan 2 2026 the rates are also different..

I was travelling in the Nordics (they had 4 currencies back then, and they still do!) and wanted to have some precision what cash I exchanged with what rate...