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The processing time depends on the chosen service and delivery method.
Transfers through international money transfer systems (MoneyGram, Ria Money Transfer, Western Union) are usually credited within minutes.
SWIFT bank transfers may take 1 to 3 business days.Wise's fees depend on the transfer amount and chosen payment method. You can calculate the exact cost of your transfer on their website before making a transaction.
If for some reason the bank's rate on that day was higher than the Central Bank's rate (the rarest case), the "service" received is also taxed. It is easier to follow this point than to deal with additional calculations.
Yes, most services allow you to transfer money in various currencies.
The exchange rate will be set by the service at the time of the transfer.
