code and that comes directly from your bank account. user should look out for fees though often sending money to friends is free of charge but many providers make a profit on other transactions pay pal charges 5 percent on international money transfers for instance that can become costly in the long run. so here's a checklist for finding the your wallet that's best for your needs what countries and currencies does it work and how can i top it up what payment options do i have . and what does the option i use most cost and as always it's also important to look out for your security and personal data and take expert julie mopp and some basic advice for choosing the right provider look for multiple factor authentication look for making sure that there is backup practices and make sure that they are warning you about how you should and shouldn't be interfacing with the technology. whether or not my money is safe depends on how i keep it leaving my