Alongside the fees they tell you about, banks and other providers add a mark up to the exchange rate they offer you. Which means you pay more than you need to when you send money abroad.
TransferWise only ever use the REAL exchange rate and charge a low, transparent fee, which means it's up to 8x cheaper than banks. It's only fair. It's your money.
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TransferWise serves over 300 transfer routes. You can learn more about the countries TransferWise supports here.
It depends on the country you're sending money to. In the Eurozone, you'll always need an IBAN and a SWIFT BIC code. Banks in the USA use SWIFT codes, but they don't use IBANs. It's the same in New Zealand too. Learn more about IBAN numbers here.
As of today, 35 countries in the extended Eurozone are within the SEPA (Single European Payments Area) - including the United Kingdom, Switzerland and Germany. Learn more about which countries are in SEPA here.
TransferWise takes no responsibility for any financial loss that might be caused by the use of an incorrect code.
If you're unsure about anything, it's recommended that you contact the bank or financial institution in question in order to ensure you have the right information.