Creating and managing an account – Free.
Holding currencies in your accounts – Free.
Creating multi-currency bank account details (like IBAN and routing numbers) – Free.
Receiving direct money transfers in EUR, USD, GBP, PLN, AUD, and NZD (by this we mean a transfer from EUR to EUR or USD to USD) – Free.
Fees for converting any currencies – 0.35% to 3% – during my testing it was almost always closer to the 0.35% fee.
Adding a direct debit to your account – 0.2%.
2 Pretty OK customer service although not 24/7
3 I have been using transferwise for 2 years so far and did not have problem with it.