it's good, the reviews from others are good too.
I’ve got a Wise card.
Have used it in the UK, France, Germany, UAE, Japan, US.
It’s great!! The key benefit is the ability to lock in your FX rate at any time before your holiday. When the rate is acceptable to you - you transfer.
Their app is great too.
Also - if stolen its limited to how much you’ve got in there. So it’s also good risk management.