Kapital and ScotiaBank

I use a combination of Wise and ScotiaBank.

Wise is great for money transfers, international payments, etc. The exchange rate is good but the monthly fee-free ATM withdrawal limit is pretty low.

I have a Canadian Tangerine Bank account. TB is owned by SB. I can withdraw from SB ATMs fee-free and get the interbank exchange rate.

I do a monthly withdrawal from Wise and for the rest of the month I withdraw from my TB account.