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1. Medellin, Colombia
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Nicknamed the “City of Eternal Spring"” and famous for its annual
Flower Festival, Medellin is an ideal place for digital nomads to go for
the winter. The weather there is near-perfect during the winter
months — not too hot and not too cold.
Plus, there are a variety of coworking spaces available, so you can
easily find a place to set up shop and get your work done. The cost of
living is very reasonable, and there are many museums, including the
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Nicknamed the “City of Eternal Spring"” and famous for its annual
Flower Festival, Medellin is an ideal place for digital nomads to go for
the winter. The weather there is near-perfect during the winter
months — not too hot and not too cold.
Plus, there are a variety of coworking spaces available, so you can
easily find a place to set up shop and get your work done. The cost of
living is very reasonable, and there are many museums, including the
Museo de Antioquia, coffee farms, and nature parks to explore in your
free time.
The official currency of Colombia is the Colombian peso and the
exchange rate is 1000 USD = 4.87M pesos

2. Quito, Ecuador

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NEWS

The 10 Best Warm Weather Destinations for

Digital Nomads this Winter

Wise
Z7 17.1.22
6 minute read
The top places for digital nomads to travel this winter based on
weather, timezone, safety, and cost of living
For digital nomads, the possibilities of where to work are virtually
limitless. When frigid winter weather rolls around, it's natural for
those who can work remotely to start thinking about snowbirding out
to a more temperate locale far from snow, ice, and frozen flurries.
After all, when the temperatures drop, it's hard to do your best work when all
you want to do is curl up in front of the fire.

That's why Wise put together a list' of the best warm countries for
|}-7W"e Send money v  Receive money v  Debitcard v  Businessv Aboutv Login
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News >
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l{ . : : ” 3 ¢ , o] ”~ i w “ ..‘-} N Remittances. Wise was founded by immigrants, built by
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T ;’ _.j:‘j‘f‘n ‘ 'h ! { L ...!__!2 — m Joshua Contreras
P W e . = noy ™ ‘ N ' 16.06.22 2 minute read
The 10 Best Warm Weather Destinations for Digital Nomads this Winter
Work away from the cold in these warm destinations.
Wise )
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Blog News v  Personal Finance v  Living Abroad v  Travel v  Business v Lives Without Borders
digital nomad excursions this winter.
Get started with Wise .
' Methodology: To compile this list, Wise looked at cities that operate within plus- or minus-one hour of
continental US time zones. Cities were then scored based on their rankings on third-party data sources
assessing cost of living including rent (source: Numbeo), weather (source: Global Residence Index) and
safety (source: Numbeo), as well as whether or not their countries offer digital nomad visas.
2 Exchange rates were pulled via wise.com on November 1, 2022.
® Please see Terms of Use for your region or visit Wise Fees & Pricing: Only Pay for What You Use for
the most up to date pricing and fee information.
This publication is provided for general information purposes only and is not intended to cover every
aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely.
You must obtain professional or specialist advice before taking, or refraining from, any action on the
basis of the content in this publication. The information in this publication does not constitute legal, tax
or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a
similar outcome. We make no representations, warranties or guarantees, whether express or implied,
that the content in the publication is accurate, complete or up to date.
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Disputes Pain Points for Employers: Global Nomad This Winter
So you've recently done some shopping, but come Employee Reimbursements Imagine working remote from a cozy mountain lodge in
home and see your account has way more transactions The “Going Global" Challenge In today's post-pandemic a foreign country by day, flying down the mountain on
and less funds than vou made purchases for. But then R P TR AR P o P T our skis after vour work is done. followed bv a...


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Co-founded by Kristo K&darmann and Taavet Hinrikus, Wise launched in 2011 under its original @ @ ° e
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Wise enters 2023 with 15 new partners SR
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in 4 new markets, bringing total to over & Download POF
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60 partners worldwide T Copyton
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10 million people and businesses gained access to fast, cheap
international payments powered by Wise in 2022
CONTACT US
26 January 2023 - Wise, the global technology company building the best way to move
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These partnerships are made possible through Wise Platform, which allows banks and
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What's more, Wise Platform launched in four new markets last year: in Israel with credit card @ @ ° e
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the UAE with neobank Wio, and in Hong Kong with virtual bank ZA Bank.
Wise Platform also deepened their footprint in Asia and North America, expanding in two
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© 10 August 2022 * NEWS ® 9 August 2022 * NEWS © 30 November 2021 * NEWS
Wise and Plaid Launch Open Wise Deepens Roots in Canada With Wise Card Launches in Canada
Finance Agreement to Enable Secure New INTERAC e-Transfer Request Giving a Fast, Cheap and Easy Way
Financial Connectivity Money Feature to Spend Across Multiple Currencies
Wise customers can now connect their accounts to Customers now have even more convenient ways to Global spending card, connected to the Wise Account,
more than 6,000 apps powered by Plaid via Core fund their Wise Account and transfers using a suite of allows customers to hold, send and spend instantly
Exchange, the data network's newest open finance secure and trusted methods like a local at rates up to 4x cheaper than banks
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Capabilities Financial Connectivity Money Feature
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accounts payable (AP) automation software and more than 6,000 apps powered by Plaid via Core fund their Wise Account and transfers using a suite of
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Automate work with our API Pay invoices and people abroad Receive money with no fees Integrate seamlessly with Xero
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Getting account details

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[©] Deposit 20 USD
You only need to do this for your first set of details. You can
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Compare prices for sending money abroad.
Banks and other transfer services have a dirty little secret. They add hidden markups to their
exchange rates - charging you more without your knowledge. And if they have a fee, they
charge you twice.
Wise never hides fees in the exchange rate. We give you the real rate, independently provided
by Reuters. Compare our rate and fee with Western Union, ICICI Bank, WorldRemit and more,
and see the difference for yourself.
. B Recipient gets Exchange rate
Sending 1,000.00 GBP with Transfer fee
(Total after fees) (1 GBP -» USD)
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STARLING BANK 1,234,66 USD 4.30 GBP 1.23999
1,234.35 USD
}.7 W’Ie 4.64 GBP 1.24010
1,228.50 USD
o orX 0.00 GBP 1.22850
v -6.16 USD
1,225.42 USD
@MoneyGram 0.00 GBP 1.22542
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bank transfers.
Wise is cheaper and faster than most banks — and
@ BOFAUS3NXXX creating an account only takes a few seconds.
Bank name BANK OF AMER'CAI NA.
Swift code BOFAUS3NXXX
Bank address 222 BROADWAY
City NEW YORK
Country United States
Compare prices for sending money abroad
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Search by bank  Browse by country  Check a code
Everything you need to find the right SWIFT/BIC code for your transfer. Search by bank or country to find the right
branch code. Or, if you already have a code, you can use our checker tool to make sure it's correct.
Check a SWIFT code Find a SWIFT code
Enter a SWIFT/BIC to check it's correct and to find Just fill in the country and account details below.
out which bank it belongs to.
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So what do these letters and numbers mean?

A SWIFT code — sometimes also called a SWIFT humber — is a standard format for Business Identifier Codes (BIC).
Banks and financial institutions use them to identify themselves globally. It says who and where they are — a sort of
international bank code or ID.

These codes are used when transferring money between banks, particularly for international money transfers or SEPA
payments. Banks also use these codes to exchange messages between each other.

SWIFT:
BOFAUS3NXXX
BANK OF AMERICA, N.A..
Bank code  Country code Location code Branch code
|So what do these letters and numbers mean?

A SWIFT code — sometimes also called a SWIFT number — is a standard format for Business Identifier Codes (BIC).
Banks and financial institutions use them to identify themselves globally. It says who and where they are — a sort of
international bank code or ID.

These codes are used when transferring money between banks, particularly for international money transfers or SEPA
payments. Banks also use these codes to exchange messages between each other.

SWIFT:
BOFAUS3NXXX
BANK OF AMERICA, N.A..
Bank code  Country code Location code Branch code
This SWIFT code is for the BANK OF AMERICA, N.A.
|Wl’e ‘ Business Features v  Pricing Help Login
Search by bank  Browse by country  Check a code
Everything you need to find the right SWIFT/BIC code for your transfer. Search by bank or country to find the right
branch code. Or, if you already have a code, you can use our checker tool to make sure it's correct.
Check a SWIFT code Find a SWIFT code
Enter a SWIFT/BIC to check it's correct and to find Just fill in the country and account details below.
out which bank it belongs to.
Enter a SWIFT code Select Country
AAAA-BB-CC-123 Select a country v
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News archive

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xxf% 'i AvidXchange (Nasdag: AVDX), a leading provider of accounts payable (AP) automation software and payment
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November 2022
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Wise Platform and Deel make it even faster to get paid with new feature
deel. ;Ox;;:elatform Wise Platform has launched a new service with leading global HR and payroll company, Deel.
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August 2022
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C ) ” g Is Burnout Driving The Future Of Work? A New Era of American Expats
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Emerging Amid Hesitation to Vacation
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January 2023
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© 13 December 2022 ®* NEWS
Wise Accelerates Headcount as Customer Demand Fuels Continued
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Company plans to grow its U.S. presence with over 250 new hires in 2023
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1USD - 0.91935 EUR
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Payment requests

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/I\ JANE DOE 3SGD
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Opening a jar

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Search by bank  Browse by country  Check a code
Everything you need to find the right SWIFT/BIC code for your transfer. Search by bank or country to find the right
branch code. Or, if you already have a code, you can use our checker tool to make sure it's correct.
Check a SWIFT code Find a SWIFT code
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Your details

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February 15th, 1995 +16282679041

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Send money to a specific country

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Browse a help topic

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Sending money ° Managing your account
E Setting up, paying for, editing, and cancelling S Setting up your account and getting verified.
transfers.
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using Assets. troubleshooting.
Receiving money a Wise Business
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Help home > Sending money
Sending money
Setting up, paying for, editing, and cancelling transfers.
Sending money basics AN
How do | send money with Wise?
How long does a transfer take?
Can | send exact amounts?
How do you notify me about a transfer?
How do | download a transfer receipt?
Do | need to pay any tax on transfers?
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What we do

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Money should travel as cheaply and quickly as email. Which : 3 3 ‘ vati
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Adding a bank account

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Money transfers

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1. Register for free. 2. Choose an amount to send. 3. Add recipient's bank details.
Sign up online or in our app for free. Tell us how much you want to send. Fill in the details of your recipient's
All you need is an email address, or a We'll show you our fees upfront, and bank account.
Google or Facebook account. tell you when your money should
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transfers, we need a photo of your ID. (ACH), wire transfer, or a debit or your transfer in your account, and
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Online scams are on the rise. Learn how to stay safe.
See what the world's largest publications have to say.
I E] E m FINANCIAL TIMES
Smart tech and sharp thinking are disrupting Wise is looking to use the internet to spark a Wise takes a machete to the hefty fees that
high-street banks digital revolution in current financial services banks levy to send money across borders
Send money to 77 countries
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Opening a balance

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Searching Help Centre

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Sending money ° Managing your account
E Setting up, paying for, editing, and cancelling S Setting up your account and getting verified.

transfers.
|}'7W”e Help Centre @ENv Login
Help home > Sending money > Do | need to pay any tax on transfers?
Do | need to pay any tax on transfers?
Wise may have to levy tax on its transfer fee according to local tax laws. For example, Brazilian
real (BRL) transactions where IOF (Imposto sobre Operagdes Financeiras — financial operations
tax) may be imposed by our banking partner(s). Where transactional taxes apply, these will either
be included in the fee payable or shown separately at the time of payment, and won't impact the
amount sent to the recipient.
Wise will pay out the agreed amount to the recipient and won't withhold any taxes on money
you transfer. Depending on the nature of a transfer, you and/or the recipient may need to
declare and pay tax. Wise can't advise whether tax applies to your transfer and we recommend
that you ask a financial advisor and/or the relevant tax authority.
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