Hey folks. I need to move AUD 40,000 to my EUR bank account and want the cheapest way.

Context:

I have a Wise account (I’ve seen a 0.33% fee) XE’s first-transfer / promotion pages and their rate preview make it look cheaper than Wise for this amount, and I’ve read people say their rate can be better. Not sure if there are hidden costs depending on how I pay. I’ve also seen people talk about using an XML and TRON . I have no idea how that works. I have a Kraken account.

Practical step-by-step would be appreciated: Thank you so much.

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