Travelling to Fiji in October and everywhere I turn, the recommended option is to use a Wise card loaded with NZD and use it as you would any debit card using their superior currency conversion rates. However, when checking out their pricing online and using their currency conversion calculator (https://wise.com/nz/pricing/card-fees?sourceAmount=1000&sour…), the fee is a crazy ~3.2% (https://imgur.com/a/fvci8k2) which appears to be one of the highest fees for any currency. Am I misinterpreting something here or is 3+% typical for Fiji when using Wise?
My only reference point is other forum threads online and places like MoneyHub (https://www.youtube.com/watch?v=pl_N5SwI6Kc&t=235s) who show a fee of 0.89% from ~8 months ago when using, presumably, the same calculator which is far more inline with what I was expecting. It doesn't make sense to me to use Wise with this high of a fee.
EDIT: Signed up and used Revolut to pre-book some things and it worked fine with no fee and only a marginally lower FX rate than Wise quotes.
What kind of rates are you getting when you try other options? If they are similarly 'high fee' (whether explicitly fees or in the rate) then it might be something related to issues within Fiji (maybe a tax they have on currency conversions?)