am i doing this as efficiently as possible?
Hey all, I recently moved to Spain (from the US) and am on a digital nomad visa. for my finances, I have a capital one checking account and credit card, a Fidelity credit card, my Wise account, and now a Santander account.
I receive my money in USD to my capital one checking. A lot of my monthly bills here in Spain need to come from my Santander account. So to do this, I put money in my Wise account, then, in Wise I've added myself (santander)as a recipient, and I send the money to myself that way.
My first question is, is this the best way? The conversion rate is reeeeally tough right now, but is there anything else I could or should do to make this set up better?
My second question is in regard to using my Spain account vs my American credit card. Is there a reason I should use one over the other? Should I always default to Santander instead of Fidelity? I do not have any international fees, but aside from that, does anyone have any thoughts on what is the most cost effective or best route? Thank you so much for any advice!