I always found transfer.xe.com far cheaper than transferwise. Though it might depend on the currency you are converting to.
When I tried to convert EUR to ZAR, they wanted 25€ in flat fees, a percentage and had a worse conversion rate than xe who had no fees and a better conversion rate.
When I tried to convert EUR to ZAR, they wanted 25€ in flat fees, a percentage and had a worse conversion rate than xe who had no fees and a better conversion rate.