Saturday, October 12, 2024

The top places for digital nomads to travel this winter based on weather, timezone, safety, and cost of living For digital nomads, the possibilities of where to work are virtually limitless. When frigid winter weather rolls around, it’s natural for those who can work remotely to start thinking about snowbirding out to a more temperate locale far from snow, ice, and frozen flurries. After all, when the temperatures drop, it’s hard to do your best work when all you want to do is curl up in front of the fire. That’s why Wise put together a list¹ of the best warm countries for digital nomads to visit this winter based on an evaluation of weather, safety, and cost of living data — along with their exchange rates² with US currency so you can make the most of your budget as you chase the sun. The list includes cities within +/- one hour of continental United States time zones, so it will be easy to adapt your schedule and stay in touch with everyone you work with. 1. Medellin, Colombia colombia Nicknamed the “City of Eternal Spring” and famous for its annual Flower Festival, Medellin is an ideal place for digital nomads to go for the winter. The weather there is near-perfect during the winter months — not too hot and not too cold. Plus, there are a variety of coworking spaces available, so you can easily find a place to set up shop and get your work done. The cost of living is very reasonable, and there are many museums, including the Museo de Antioquia, coffee farms, and nature parks to explore in your free time. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 2. Quito, Ecuador ecuador The capital of Ecuador, nestled in a valley at the base of the majestic Andes Mountains, Quito is a beautiful city built on the ruins of an ancient Incan settlement. It’s home to a growing community of digital nomads, who are drawn to Quito for its affordable cost of living, fast internet speeds, vibrant cultural scene, and rich architectural heritage. The city enjoys year-round mild temperatures, making it an excellent place for working remotely in the winter. The official currency of Ecuador is the US dollar 3. Buenos Aires, Argentina argentina For digital nomads, Buenos Aires offers an appealing mix of mild weather, affordability, and culturally rich city life. Located in the southern hemisphere, Argentina’s bustling capital city enjoys warm weather even in the middle of winter. While prices have been rising in recent years, Buenos Aires is still relatively affordable compared to other major cities — and for many, the chance to be surrounded by the city’s beautiful 19th-century architecture is well worth a slight cost increase. The official currency of Argentina is the Argentine peso and the exchange rate is 1000 USD = 4.87M pesos 4. Bogota, Colombia colombia Located in the Andean mountain range and featuring a subtropical highland climate, Bogota is the sprawling capital city of Colombia and one of the largest cities in South America. Bogota is a great place for digital nomads to go for the winter because of its temperate climate, affordable cost of living, and abundance of coworking spaces. Plus, the city is full of gorgeous colonial-era landmarks, including the Teatro Colón, and many intriguing museums and historical sites. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 5. Montevideo, Uruguay uruguay The seaside capital of Uruguay, Montevideo is an affordable city with lovely warm weather during the winter months. Revolving around the beautiful Plaza de la Independencia, Montevideo has a lively and vibrant culture, and can be an excellent place to learn Spanish. It’s a terrific winter destination for digital nomads looking to escape the cold weather of the northern hemisphere, while still being able to work and enjoy life in a welcoming city full of fascinating Art Deco and colonial architecture. The official currency of Uruguay is the Uruguayan peso and the exchange rate is 1000 USD = 4.87M pesos 6. San José, Costa Rica costa-rica Built on the coffee trade and brimming with elegant Victorian mansions, San José is a fantastic city for digital nomads to visit for the winter, featuring warm weather and many coworking spaces. The cost of living is also very reasonable, and you can find apartments for rent at a fraction of the cost of what you might pay in major cities like New York or London, while still being able to get out and enjoy world-class museums, parks, and historic buildings. The official currency of Costa Rica is the colón and the exchange rate is 1000 USD = 603.20K colon — however, US dollars are accepted in many touristic areas 7. Cali, Colombia colombia Cali is known for its beautiful weather, friendly people, and vibrant salsa dancing street parties. In addition, Cali is an affordable, sunny place to live a relaxed lifestyle during the winter months, with many apartments and hotels offering monthly rates. This makes it a budget-friendly option for digital nomads who want to enjoy all that the city has to offer, including its spectacular neoclassical architecture and historic museums, without breaking the bank. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 8. Mexico City, Mexico mexico Full of stunning historical landmarks dating back to the time of the Spanish conquistadors, Mexico City has a large community of expats and digital nomads — and there are plenty of coworking spaces, cafes, and restaurants to work from. The weather is also perfect for spending time outdoors, and there are plenty of historic buildings, museums, and nature parks to explore. If you're looking for a vibrant, culturally rich spot for both work and adventure this winter, Mexico City could be a great choice. The official currency of Mexico is the Mexican nuevo peso and the exchange rate is 1000 USD = 4.87M pesos — however, US dollars are accepted in many touristic areas 9. São Paulo, Brazil brazil The sparkling financial center of Brazil, São Paulo is home to many iconic architectural landmarks, including the 1929 Martinelli skyscraper. It’s a bustling, highly populous city with a significant community of digital nomads who occupy the many co-working spaces available. As Brazil’s richest city, São Paulo isn’t always the cheapest, but for those seeking to explore its beautiful buildings, memorable museums, and peaceful parks, it may be worth a little splurge. The official currency of Brazil is the real and the exchange rate is 1000 USD = 5.11K real 10. Panama City, Panama panama The capital of Panama, Panama City features a multitude of colonial-era landmarks and vibrant plazas with popular cafes that digital nomads can work from. The city’s warm weather is ideal for those who want to escape the cold, and the nightlife is vibrant. There are also a variety of beaches to visit, and plenty of opportunities to explore the rest of Panama — or simply relax and watch the ships sailing through the city’s iconic canal. It’s the safest city on this list, although the weather isn’t always as pretty as in some other locales. The official currency of Panama is the Panamanian balboa, which is at parity with the US dollar — also, the US dollar is accepted throughout Panama Paying Like a Local If you’re seeking warmer horizons this winter, there are so many exciting places where you can soak up the sun and make incredible memories, all while staying within your digital nomad budget. Just make sure you have a good financial plan in place that enables you to pay like a local wherever you choose to roam. But adventurers beware: that’s probably not simply using your go-to US bank account. From foreign transaction fees and high ATM withdrawal fees, to hidden markups in exchange rates, traditional US bank accounts aren’t typically digital nomad-friendly. Before you depart, consider setting up a Wise Account and card. Wise is everywhere money: 170 countries, 50 currencies and one card. With a Wise Account you can easily send, receive, hold, and spend money with no hidden fees³. That means paying for rent, groceries, activities and your new friends back easily in local currency. And while many countries are digital-first, a lot of destinations — including many on this list — still prefer cash payments. With the Wise card, there’s no need to have the cash converted ahead of time. You can simply withdraw cash from local ATMs, and Wise will convert the amount automatically for you at the best conversation rate at the time for a low fee. For making purchases at places that do accept cards, the Wise Card functions like any other debit card in your wallet. With Wise’s transparent pricing and mid-market exchange rate policy, you always know what you're paying. That means less financial stress and uncertainty, and more time enjoying your warm weather digital nomad excursions this winter.

The 10 Best Warm Weather Destinations for Digital Nomads this Winter

The top places for digital nomads to travel this winter based on weather, timezone, safety, and cost of living For digital nomads, the possibilities of where to work are virtually limitless. When frigid winter weather rolls around, it’s natural for those who can work remotely to start thinking about snowbirding out to a more temperate locale far from snow, ice, and frozen flurries. After all, when the temperatures drop, it’s hard to do your best work when all you want to do is curl up in front of the fire. That’s why Wise put together a list¹ of the best warm countries for digital nomads to visit this winter based on an evaluation of weather, safety, and cost of living data — along with their exchange rates² with US currency so you can make the most of your budget as you chase the sun. The list includes cities within +/- one hour of continental United States time zones, so it will be easy to adapt your schedule and stay in touch with everyone you work with. 1. Medellin, Colombia colombia Nicknamed the “City of Eternal Spring” and famous for its annual Flower Festival, Medellin is an ideal place for digital nomads to go for the winter. The weather there is near-perfect during the winter months — not too hot and not too cold. Plus, there are a variety of coworking spaces available, so you can easily find a place to set up shop and get your work done. The cost of living is very reasonable, and there are many museums, including the Museo de Antioquia, coffee farms, and nature parks to explore in your free time. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 2. Quito, Ecuador ecuador The capital of Ecuador, nestled in a valley at the base of the majestic Andes Mountains, Quito is a beautiful city built on the ruins of an ancient Incan settlement. It’s home to a growing community of digital nomads, who are drawn to Quito for its affordable cost of living, fast internet speeds, vibrant cultural scene, and rich architectural heritage. The city enjoys year-round mild temperatures, making it an excellent place for working remotely in the winter. The official currency of Ecuador is the US dollar 3. Buenos Aires, Argentina argentina For digital nomads, Buenos Aires offers an appealing mix of mild weather, affordability, and culturally rich city life. Located in the southern hemisphere, Argentina’s bustling capital city enjoys warm weather even in the middle of winter. While prices have been rising in recent years, Buenos Aires is still relatively affordable compared to other major cities — and for many, the chance to be surrounded by the city’s beautiful 19th-century architecture is well worth a slight cost increase. The official currency of Argentina is the Argentine peso and the exchange rate is 1000 USD = 4.87M pesos 4. Bogota, Colombia colombia Located in the Andean mountain range and featuring a subtropical highland climate, Bogota is the sprawling capital city of Colombia and one of the largest cities in South America. Bogota is a great place for digital nomads to go for the winter because of its temperate climate, affordable cost of living, and abundance of coworking spaces. Plus, the city is full of gorgeous colonial-era landmarks, including the Teatro Colón, and many intriguing museums and historical sites. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 5. Montevideo, Uruguay uruguay The seaside capital of Uruguay, Montevideo is an affordable city with lovely warm weather during the winter months. Revolving around the beautiful Plaza de la Independencia, Montevideo has a lively and vibrant culture, and can be an excellent place to learn Spanish. It’s a terrific winter destination for digital nomads looking to escape the cold weather of the northern hemisphere, while still being able to work and enjoy life in a welcoming city full of fascinating Art Deco and colonial architecture. The official currency of Uruguay is the Uruguayan peso and the exchange rate is 1000 USD = 4.87M pesos 6. San José, Costa Rica costa-rica Built on the coffee trade and brimming with elegant Victorian mansions, San José is a fantastic city for digital nomads to visit for the winter, featuring warm weather and many coworking spaces. The cost of living is also very reasonable, and you can find apartments for rent at a fraction of the cost of what you might pay in major cities like New York or London, while still being able to get out and enjoy world-class museums, parks, and historic buildings. The official currency of Costa Rica is the colón and the exchange rate is 1000 USD = 603.20K colon — however, US dollars are accepted in many touristic areas 7. Cali, Colombia colombia Cali is known for its beautiful weather, friendly people, and vibrant salsa dancing street parties. In addition, Cali is an affordable, sunny place to live a relaxed lifestyle during the winter months, with many apartments and hotels offering monthly rates. This makes it a budget-friendly option for digital nomads who want to enjoy all that the city has to offer, including its spectacular neoclassical architecture and historic museums, without breaking the bank. The official currency of Colombia is the Colombian peso and the exchange rate is 1000 USD = 4.87M pesos 8. Mexico City, Mexico mexico Full of stunning historical landmarks dating back to the time of the Spanish conquistadors, Mexico City has a large community of expats and digital nomads — and there are plenty of coworking spaces, cafes, and restaurants to work from. The weather is also perfect for spending time outdoors, and there are plenty of historic buildings, museums, and nature parks to explore. If you're looking for a vibrant, culturally rich spot for both work and adventure this winter, Mexico City could be a great choice. The official currency of Mexico is the Mexican nuevo peso and the exchange rate is 1000 USD = 4.87M pesos — however, US dollars are accepted in many touristic areas 9. São Paulo, Brazil brazil The sparkling financial center of Brazil, São Paulo is home to many iconic architectural landmarks, including the 1929 Martinelli skyscraper. It’s a bustling, highly populous city with a significant community of digital nomads who occupy the many co-working spaces available. As Brazil’s richest city, São Paulo isn’t always the cheapest, but for those seeking to explore its beautiful buildings, memorable museums, and peaceful parks, it may be worth a little splurge. The official currency of Brazil is the real and the exchange rate is 1000 USD = 5.11K real 10. Panama City, Panama panama The capital of Panama, Panama City features a multitude of colonial-era landmarks and vibrant plazas with popular cafes that digital nomads can work from. The city’s warm weather is ideal for those who want to escape the cold, and the nightlife is vibrant. There are also a variety of beaches to visit, and plenty of opportunities to explore the rest of Panama — or simply relax and watch the ships sailing through the city’s iconic canal. It’s the safest city on this list, although the weather isn’t always as pretty as in some other locales. The official currency of Panama is the Panamanian balboa, which is at parity with the US dollar — also, the US dollar is accepted throughout Panama Paying Like a Local If you’re seeking warmer horizons this winter, there are so many exciting places where you can soak up the sun and make incredible memories, all while staying within your digital nomad budget. Just make sure you have a good financial plan in place that enables you to pay like a local wherever you choose to roam. But adventurers beware: that’s probably not simply using your go-to US bank account. From foreign transaction fees and high ATM withdrawal fees, to hidden markups in exchange rates, traditional US bank accounts aren’t typically digital nomad-friendly. Before you depart, consider setting up a Wise Account and card. Wise is everywhere money: 170 countries, 50 currencies and one card. With a Wise Account you can easily send, receive, hold, and spend money with no hidden fees³. That means paying for rent, groceries, activities and your new friends back easily in local currency. And while many countries are digital-first, a lot of destinations — including many on this list — still prefer cash payments. With the Wise card, there’s no need to have the cash converted ahead of time. You can simply withdraw cash from local ATMs, and Wise will convert the amount automatically for you at the best conversation rate at the time for a low fee. For making purchases at places that do accept cards, the Wise Card functions like any other debit card in your wallet. With Wise’s transparent pricing and mid-market exchange rate policy, you always know what you're paying. That means less financial stress and uncertainty, and more time enjoying your warm weather digital nomad excursions this winter.
Wise was founded by immigrants, built by immigrants, and is used by immigrants. The United States is a nation of immigrants — shaped by the courageous people from around the world who have left their homes and loved ones to seek refuge and opportunity. Hispanic Heritage Month is celebrated from September 15 to October 15 and is a time to celebrate the rich culture, history, and contributions of Hispanic and Latino communities in the United States. It's also a time to shed light on important issues that affect these communities, such as the often-overlooked problem of hidden fees in remittance services. Did you know that most people are unaware of what they actually pay to send, spend, or receive money internationally? That’s because remittance providers often mislead people on the fees they charge. They may say they have low, or even no fees, but they hide extra fees in a marked-up exchange rate. In fact, there's only one rate that you ever need to care about: the mid-market rate, like the one you see on Google. The Importance of remittances Remittances, or money transfers sent by individuals working abroad to their families in their home countries, play a vital role in the economic well-being of Hispanic and Latino communities in the United States. According to the World Bank, remittances are a lifeline for millions of families worldwide, helping to alleviate poverty, improve access to education and healthcare, and promote economic development in recipient countries. But today, it’s still expensive for people sending remittances, with the global average cost at 6.3% of the amount sent. The international community wants to fix this. The United Nations Sustainable Development Goal 10c aims to bring down these costs to less than 3% on average by 2030. In the United States, Hispanic immigrants make up a substantial portion of remittance senders. These funds serve as a way to support loved ones and contribute to their homeland's economy, making remittances a deeply ingrained cultural and financial practice among Hispanic communities. Exchange rate markups are junk fees: The hidden problem While remittances are a lifeline for many, the process of sending money overseas can be expensive due to various fees and hidden costs. One issue that often goes unnoticed is the hidden exchange rate mark-up imposed by some remittance service providers. Exchange rate mark-ups refer to the difference between the actual exchange rate and the rate offered to customers. Many remittance services offer less favorable exchange rates, effectively taking a portion of the sender's money in the form of hidden fees. This practice can lead to recipients receiving less money than expected, negatively impacting their financial well-being. The Impact on Hispanic Communities The United States is by far the biggest remittance sending country in the world, with Mexico receiving the largest portion of those remittances. The impact of these junk fees in remittances is felt within Hispanic communities. Immigrants who work tirelessly to support their families back home lose a significant portion of their hard-earned money to these hidden fees. This can create financial strain and hinder the intended purpose of the remittances, which is to improve the lives of recipients. In the United States, $8.7 billion is lost to hidden exchange rate mark-ups. Currently, there’s no rule banning hidden fees in the exchange rate, but the consumer watchdog, the Consumer Financial Protection Bureau (CFPB) wants to make it easier for people to understand the fees charged by remittance providers. The CFPB is considering taking action to improve how fees and exchange rate mark-ups are displayed. This idea has gained support from US Senators, consumer and immigration groups, and an industry trade association. The goal is to provide clearer information to people, helping them make better decisions when sending money abroad. The solution: Ending junk fees in international payments To address the problem of junk fees when sending remittances, it is essential to take several steps: Price transparency: Remittance service providers should be transparent about their fees and exchange rates. Senders should have access to clear information on the total cost of sending money. The fees shown to consumers should include exchange rate mark-ups to prevent unfair practices in the remittance industry. The consumer watchdog (CFPB) should require disclosures to show the “total cost” that includes both exchange rate margin and upfront fees in one single amount, by updating the Remittance Rule or issuing clear guidance to industry. Consumer education: Hispanic communities should be educated about the potential hidden fees in remittance services and how to compare providers to find the best value for their money. During Hispanic Heritage Month, it is crucial to recognize the contributions of Hispanic and Latino communities in the United States and the vital role remittances play in supporting their families and home countries. While remittances are a lifeline for many, hidden exchange rate mark-ups reduce the benefits and intended purpose from these financial transactions. By raising awareness about the hidden fees in remittance services and advocating for transparency and fair practices, we can ensure that Hispanic communities, and all remittance senders, are not unfairly burdened by these junk fees. In doing so, we can ensure remittance payments go further to support for families both in the United States and abroad. Help us change the law — share your story with the CFPB. Help us end junk fees in remittance payments by sharing your hidden fees story directly with the U.S. consumer finance watchdog (CFPB). This will help save Americans millions of dollars and contribute to the United Nations goal to reduce remittance costs to 3% by 2030. Join our campaign to end hidden fees around the world, Nothing to Hide. We need policymakers to address these misleading practices, close the loopholes in the law and make it possible for consumers and businesses to accurately compare prices. By signing up you’ll stay up to date with the latest developments and learn about ways to get involved.

Hispanic Heritage Month: The hidden problem of sending money back home

Wise was founded by immigrants, built by immigrants, and is used by immigrants. The United States is a nation of immigrants — shaped by the courageous people from around the world who have left their homes and loved ones to seek refuge and opportunity. Hispanic Heritage Month is celebrated from September 15 to October 15 and is a time to celebrate the rich culture, history, and contributions of Hispanic and Latino communities in the United States. It's also a time to shed light on important issues that affect these communities, such as the often-overlooked problem of hidden fees in remittance services. Did you know that most people are unaware of what they actually pay to send, spend, or receive money internationally? That’s because remittance providers often mislead people on the fees they charge. They may say they have low, or even no fees, but they hide extra fees in a marked-up exchange rate. In fact, there's only one rate that you ever need to care about: the mid-market rate, like the one you see on Google. The Importance of remittances Remittances, or money transfers sent by individuals working abroad to their families in their home countries, play a vital role in the economic well-being of Hispanic and Latino communities in the United States. According to the World Bank, remittances are a lifeline for millions of families worldwide, helping to alleviate poverty, improve access to education and healthcare, and promote economic development in recipient countries. But today, it’s still expensive for people sending remittances, with the global average cost at 6.3% of the amount sent. The international community wants to fix this. The United Nations Sustainable Development Goal 10c aims to bring down these costs to less than 3% on average by 2030. In the United States, Hispanic immigrants make up a substantial portion of remittance senders. These funds serve as a way to support loved ones and contribute to their homeland's economy, making remittances a deeply ingrained cultural and financial practice among Hispanic communities. Exchange rate markups are junk fees: The hidden problem While remittances are a lifeline for many, the process of sending money overseas can be expensive due to various fees and hidden costs. One issue that often goes unnoticed is the hidden exchange rate mark-up imposed by some remittance service providers. Exchange rate mark-ups refer to the difference between the actual exchange rate and the rate offered to customers. Many remittance services offer less favorable exchange rates, effectively taking a portion of the sender's money in the form of hidden fees. This practice can lead to recipients receiving less money than expected, negatively impacting their financial well-being. The Impact on Hispanic Communities The United States is by far the biggest remittance sending country in the world, with Mexico receiving the largest portion of those remittances. The impact of these junk fees in remittances is felt within Hispanic communities. Immigrants who work tirelessly to support their families back home lose a significant portion of their hard-earned money to these hidden fees. This can create financial strain and hinder the intended purpose of the remittances, which is to improve the lives of recipients. In the United States, $8.7 billion is lost to hidden exchange rate mark-ups. Currently, there’s no rule banning hidden fees in the exchange rate, but the consumer watchdog, the Consumer Financial Protection Bureau (CFPB) wants to make it easier for people to understand the fees charged by remittance providers. The CFPB is considering taking action to improve how fees and exchange rate mark-ups are displayed. This idea has gained support from US Senators, consumer and immigration groups, and an industry trade association. The goal is to provide clearer information to people, helping them make better decisions when sending money abroad. The solution: Ending junk fees in international payments To address the problem of junk fees when sending remittances, it is essential to take several steps: Price transparency: Remittance service providers should be transparent about their fees and exchange rates. Senders should have access to clear information on the total cost of sending money. The fees shown to consumers should include exchange rate mark-ups to prevent unfair practices in the remittance industry. The consumer watchdog (CFPB) should require disclosures to show the “total cost” that includes both exchange rate margin and upfront fees in one single amount, by updating the Remittance Rule or issuing clear guidance to industry. Consumer education: Hispanic communities should be educated about the potential hidden fees in remittance services and how to compare providers to find the best value for their money. During Hispanic Heritage Month, it is crucial to recognize the contributions of Hispanic and Latino communities in the United States and the vital role remittances play in supporting their families and home countries. While remittances are a lifeline for many, hidden exchange rate mark-ups reduce the benefits and intended purpose from these financial transactions. By raising awareness about the hidden fees in remittance services and advocating for transparency and fair practices, we can ensure that Hispanic communities, and all remittance senders, are not unfairly burdened by these junk fees. In doing so, we can ensure remittance payments go further to support for families both in the United States and abroad. Help us change the law — share your story with the CFPB. Help us end junk fees in remittance payments by sharing your hidden fees story directly with the U.S. consumer finance watchdog (CFPB). This will help save Americans millions of dollars and contribute to the United Nations goal to reduce remittance costs to 3% by 2030. Join our campaign to end hidden fees around the world, Nothing to Hide. We need policymakers to address these misleading practices, close the loopholes in the law and make it possible for consumers and businesses to accurately compare prices. By signing up you’ll stay up to date with the latest developments and learn about ways to get involved.
“Junk fees” were certainly a buzz word of 2023, as the Biden Administration announced a crackdown across industries to protect American consumers. The White House defines junk fees as “unnecessary, unavoidable, or surprise charges that inflate prices while adding little to no value”, costing Americans billions. While the fight against junk fees has been crucially expanding to the financial sector from the initial focus on concert, resort and airline fees, there’s one major “junk” fee that is still being overlooked: exchange rate markups in international payments and remittances. International payments are riddled with hidden fees in the US, which is the largest source of remittances worldwide. Specifically, providers can advertise “$0” or “no fees”, but hide fees via a bloated exchange rate. Recent research found that these hidden fees in international transfers are costing Americans billions: $5.8 billion was lost by Americans in exchange rate markups in 2023 alone. Alarmingly, Californians made up over a billion of these fees. Further, New Yorkers, Floridians, and Texans each lost over $500 million. At Wise, we have been fighting for transparency in international payments since our founding, because we know how much junk fees hurt. That’s why we launched a new report on the impact of junk fees, including in international payments, to further understand how Americans are impacted by them. It shows that 81 percent of Americans surveyed consider a hidden fee included in a currency exchange transfer (i.e. an FX markup) to be a junk fee. Cracking down on these fees could stand to save Americans billions. The White House must refocus its efforts on the fees Americans encounter every day. And that includes junk fees in international payments.

Hidden costs in international payments: The overlooked junk fee that’s burning a hole in Americans’ pockets

“Junk fees” were certainly a buzz word of 2023, as the Biden Administration announced a crackdown across industries to protect American consumers. The White House defines junk fees as “unnecessary, unavoidable, or surprise charges that inflate prices while adding little to no value”, costing Americans billions. While the fight against junk fees has been crucially expanding to the financial sector from the initial focus on concert, resort and airline fees, there’s one major “junk” fee that is still being overlooked: exchange rate markups in international payments and remittances. International payments are riddled with hidden fees in the US, which is the largest source of remittances worldwide. Specifically, providers can advertise “$0” or “no fees”, but hide fees via a bloated exchange rate. Recent research found that these hidden fees in international transfers are costing Americans billions: $5.8 billion was lost by Americans in exchange rate markups in 2023 alone. Alarmingly, Californians made up over a billion of these fees. Further, New Yorkers, Floridians, and Texans each lost over $500 million. At Wise, we have been fighting for transparency in international payments since our founding, because we know how much junk fees hurt. That’s why we launched a new report on the impact of junk fees, including in international payments, to further understand how Americans are impacted by them. It shows that 81 percent of Americans surveyed consider a hidden fee included in a currency exchange transfer (i.e. an FX markup) to be a junk fee. Cracking down on these fees could stand to save Americans billions. The White House must refocus its efforts on the fees Americans encounter every day. And that includes junk fees in international payments.
The United States has long been a nation of immigrants, shaped by the courageous people who left their homes, lives, and loved ones in search of refuge and opportunity. Immigrants have been the foundation of the United States’ growth and development. During National Hispanic Heritage Month, we honor and celebrate the contributions of Hispanic and Latin American communities, whose aspirations and achievements continue to shape our nation. Their hard work, dedication, and perseverance fuel not only the U.S. economy but also that of their countries of origin. Remittances: A Lifeline and a Legacy Remittances tell a powerful story of sacrifice and hope. These transfers of money, sent by people living and working in the U.S. to their families in their home countries, are a vital part of many people’s lives. For decades, remittances have been a pathway to upward mobility, helping families access better education, healthcare, and opportunities for future growth. In 2023 alone, remittances to Latin America and the Caribbean reached $155 billion. Mexico, the second-largest recipient of remittances worldwide, after India, received over $66 billion. Despite this crucial financial support, the cost of sending remittances remains high, with fees averaging 6.35% per transaction. This is more than double the United Nations' target to reduce remittance costs to below 3% by 2030. Why price transparency matters Transparent pricing is critical to ensuring that Hispanic and Latin American communities can send money home without being unfairly burdened by excessive fees. Today, the remittance market faces significant challenges due to inconsistent pricing practices and hidden fees, which make meaningful price comparisons difficult. Many people remain unaware of the true costs associated with sending, spending, or receiving money internationally. This is largely due to international money transfer providers misleading consumers by advertising low or no fees while hiding additional fees within inflated exchange rates. In the past three years, Americans have lost $15.4 billion to hidden exchange rate mark-ups, with half of these losses concentrated in just four states: California, Texas, Florida, and New York—states with large Hispanic and Latino populations. In 2023, Californians alone lost $1.1 billion due to these markups, more than any other state. A UnidosUS survey found that 67% of Latinos either didn’t know remittance providers could add fees through exchange rate mark-ups or weren’t sure. This lack of awareness makes it difficult for people to understand the true cost of transferring money internationally, leaving them vulnerable to hidden fees. These practices not only prevent competition but also keep prices artificially high. Eliminating hidden fees in remittances The U.S. is taking important steps to address these issues. In March 2024, the Consumer Financial Protection Bureau (CFPB) issued a warning to remittance providers and banks, stating that marketing “no fee” or “free” transfers while hiding fees in exchange rates may violate federal law. Policymakers, including Senator Elizabeth Warren, have long advocated for greater transparency in remittance pricing. Last year, the Congressional Hispanic Caucus urged the CFPB to take further action to eliminate hidden remittance fees, urging the need for transparency. A coalition of consumer and immigration advocacy groups has also been working toward greater transparency in remittances. In 2021, these groups sent a letter to the CFPB calling for action to address hidden fees. In 2023, they reiterated the need for continued efforts, recommending the adoption of Best Practice Guidance. More recently, they urged the CFPB to take decisive action to eliminate hidden fees entirely, rather than just regulating deceptive marketing practices. The Financial Technology Association (FTA) has also voiced support for increased transparency in exchange rate mark-ups. Why price transparency matters more than ever During Hispanic Heritage Month—an annual celebration that honors the history, culture, contributions, and achievements of Hispanic and Latino communities in the United States—it is more important than ever to emphasize the critical role remittances play in supporting families across borders and to advocate for transparent pricing for these financial transactions. At Wise, our global LatinX Wisers Network —a voluntary, employee-led group—is a space where Hispanic and Latin American Wisers and allies foster community, culture, and diversity. Embracing this year's theme, "Pioneers of Change: Shaping the Future Together," we recognize that by raising awareness and advocating for price transparency, we can ensure that remittance senders are not unfairly burdened by hidden fees. By doing so, we empower communities to shape a more equitable future, helping remittances go further to benefit families both in the U.S. and abroad.

Hispanic Heritage Month: Shaping the future of remittances together

The United States has long been a nation of immigrants, shaped by the courageous people who left their homes, lives, and loved ones in search of refuge and opportunity. Immigrants have been the foundation of the United States’ growth and development. During National Hispanic Heritage Month, we honor and celebrate the contributions of Hispanic and Latin American communities, whose aspirations and achievements continue to shape our nation. Their hard work, dedication, and perseverance fuel not only the U.S. economy but also that of their countries of origin. Remittances: A Lifeline and a Legacy Remittances tell a powerful story of sacrifice and hope. These transfers of money, sent by people living and working in the U.S. to their families in their home countries, are a vital part of many people’s lives. For decades, remittances have been a pathway to upward mobility, helping families access better education, healthcare, and opportunities for future growth. In 2023 alone, remittances to Latin America and the Caribbean reached $155 billion. Mexico, the second-largest recipient of remittances worldwide, after India, received over $66 billion. Despite this crucial financial support, the cost of sending remittances remains high, with fees averaging 6.35% per transaction. This is more than double the United Nations' target to reduce remittance costs to below 3% by 2030. Why price transparency matters Transparent pricing is critical to ensuring that Hispanic and Latin American communities can send money home without being unfairly burdened by excessive fees. Today, the remittance market faces significant challenges due to inconsistent pricing practices and hidden fees, which make meaningful price comparisons difficult. Many people remain unaware of the true costs associated with sending, spending, or receiving money internationally. This is largely due to international money transfer providers misleading consumers by advertising low or no fees while hiding additional fees within inflated exchange rates. In the past three years, Americans have lost $15.4 billion to hidden exchange rate mark-ups, with half of these losses concentrated in just four states: California, Texas, Florida, and New York—states with large Hispanic and Latino populations. In 2023, Californians alone lost $1.1 billion due to these markups, more than any other state. A UnidosUS survey found that 67% of Latinos either didn’t know remittance providers could add fees through exchange rate mark-ups or weren’t sure. This lack of awareness makes it difficult for people to understand the true cost of transferring money internationally, leaving them vulnerable to hidden fees. These practices not only prevent competition but also keep prices artificially high. Eliminating hidden fees in remittances The U.S. is taking important steps to address these issues. In March 2024, the Consumer Financial Protection Bureau (CFPB) issued a warning to remittance providers and banks, stating that marketing “no fee” or “free” transfers while hiding fees in exchange rates may violate federal law. Policymakers, including Senator Elizabeth Warren, have long advocated for greater transparency in remittance pricing. Last year, the Congressional Hispanic Caucus urged the CFPB to take further action to eliminate hidden remittance fees, urging the need for transparency. A coalition of consumer and immigration advocacy groups has also been working toward greater transparency in remittances. In 2021, these groups sent a letter to the CFPB calling for action to address hidden fees. In 2023, they reiterated the need for continued efforts, recommending the adoption of Best Practice Guidance. More recently, they urged the CFPB to take decisive action to eliminate hidden fees entirely, rather than just regulating deceptive marketing practices. The Financial Technology Association (FTA) has also voiced support for increased transparency in exchange rate mark-ups. Why price transparency matters more than ever During Hispanic Heritage Month—an annual celebration that honors the history, culture, contributions, and achievements of Hispanic and Latino communities in the United States—it is more important than ever to emphasize the critical role remittances play in supporting families across borders and to advocate for transparent pricing for these financial transactions. At Wise, our global LatinX Wisers Network —a voluntary, employee-led group—is a space where Hispanic and Latin American Wisers and allies foster community, culture, and diversity. Embracing this year's theme, "Pioneers of Change: Shaping the Future Together," we recognize that by raising awareness and advocating for price transparency, we can ensure that remittance senders are not unfairly burdened by hidden fees. By doing so, we empower communities to shape a more equitable future, helping remittances go further to benefit families both in the U.S. and abroad.
For nearly 40 years, daring smugglers transported nearly 40,000 Lithuanian-language books into the nation each year when it was forbidden under Russian rule. Following the gentle bends of the Nemunas, Lithuania's largest river, the Panemunė road stretches for more than 100km and marks the former border between Lithuania and East Prussia (now Kaliningrad, Russia). Considered the most romantic road in Lithuania by locals, it travels past a series of 17th-Century castles, Renaissance-era mansions and postcard-worthy towns. Yet, the route is perhaps best known as the site of a remarkable movement that took place in the late 19th Century and helped save Lithuanian, which is commonly considered the world's oldest surviving Indo-European language. Panemunė was built in the early 13th Century along a chain of early medieval fortresses and castles designed to protect the Grand duchy of Lithuania from the invading Teutonic forces coming from Prussia. By the 1800s, it had developed into a major trade and travel route as the fortresses became mansions for the nobility, and smaller towns grew around them. Among the road's many regal attractions are the Castle of Panemunė, a 17th-Century manor complete with intricate frescoes and a park with cascading ponds that's been transformed into a lavish hotel and artist residence. Ten kilometres east of the castle, Raudone ("The Red Castle") is a 16th-Century fortress that was partially destroyed during World War Two but has since been rebuilt and now offers horseback riding, archery lessons and a weekly food and arts fair. Alamy The Castle of Panemunė is one of many castles found along the route (Credit: Alamy)Alamy The Castle of Panemunė is one of many castles found along the route (Credit: Alamy) A further 20km east, the ancient city of Veliuona and the castle hill of Seredzius come into view, where a 30-minute hike up the wooden steps to the top of the lush green hill reveals sweeping views of the Nemunas river below. As the road unfurls in one final sweeping bend before the city of Kaunas, the towers of the Raudondvaris Castle emerge. Built where the Nemunas and Nevezis rivers meet, this sprawling 17th-Century estate now features a concert hall, labyrinth park, museum and a restaurant. "The Panemunė road is often called the 'paradise road' in Lithuania: it boasts exceptional scenery, rich history and countless cultural experiences ranging from the [Honey Valley]; boat trips along River Nemunas; [and] local dandelion wine tastings; to art and history museums, food fairs and cultural events in the Renaissance mansions along the road," said Eglė Speičienė, founder of the local travel agency TavoGidas. Because of the many castles, rolling hills and boutique wineries located along the Panemunė, Speičienė says some travellers liken the road to France's famed Loire Valley. However, stunning scenery and dreamy castles aren't the only thing Panemunė is known for. The road is also where a unique Lithuanian movement took place in the late 19th Century that would help shape the nation's character: book smuggling. From 1865 to 1904, the Lithuanian language (which is actually related to ancient Sanskrit and diverged thousands of years ago) was banned under the tsarist Russian rule, which controlled large swathes of the country at the time. The ban prohibited the printing, possessing and distributing of any publications in Lithuanian with the Latin alphabet – but instead of creating a complete Russification of the country, it had the opposite effect. Alamy Lithuanian is considered the oldest surviving Indo-European language (Credit: Alamy)Alamy Lithuanian is considered the oldest surviving Indo-European language (Credit: Alamy) A large network of resistance publishers, book smugglers and distributors sprang up and more than three million books, scientific papers, textbooks and newspapers were printed in Lithuanian in East Prussia and the US, which each had large populations of Lithuanian émigrés. According to historian Vytautas Merkys, during this 39-year-period more than 40,000 Lithuanian-language publications were smuggled into the country each year, reaching villages, parishes and towns across the nation via the Panemunė road. Panemunė's proximity to both East Prussia and Poland, (where the books entered) helped it serve as an entry point into the nation for book-smugglers. Tilžė (now Sovetsk, Kaliningrad) was one of the main points where smugglers crossed, and the road's final point, the city of Kaunas, served as Lithuania's capital from 1919 to 1940 and was a centre for cultural resistance against the Russians. "Essentially, Panemunė was the main artery through which the Lithuanian printed press and books reached the country. River Nemunas was a crucial point for crossing into the country. Some book smugglers swam across, carrying bundled-up books on their bodies, while some transported books hidden in steamboats or paid merchants to help," explained Vaidas Banys, a historian and educator. "[These] banned books, newspapers and religious texts reached deep into the country." According to Banys, these book smugglers were key to saving the Lithuanian language. They frequently carried up to 80lbs of printed Lithuanian books and other publications, smuggling them from East Prussia and other border locations across the Nemunas river, then transporting them along the backroads of Panemunė in horse-drawn carts hidden among stacks of hay, furniture or even empty coffins. Lukas Pileckas The fact that the Panemunė road crossed the Nemunas river was very helpful for book smugglers (Credit: Lukas Pileckas)Lukas Pileckas The fact that the Panemunė road crossed the Nemunas river was very helpful for book smugglers (Credit: Lukas Pileckas) "All routes were intricately connected, and no book smuggler worked alone. It wasn't just the person who smuggled the books across the border or carried them on their bodies. There were people who would carry the printed materials for a leg of the way, further distribute the prohibited press, finance the printing or supply local communities, parishes and schools," Banys said. "There [wasn't] a 'typical' book smuggler profile, either: people involved in the printing and transporting of the books came from all backgrounds – from simple peasants and devout women to landowners, priests, merchants, bankers and doctors. The network spanned thousands of individuals and organisations. That, in the end, was why the Russians eventually gave up and lifted the ban – the network was so vast and well-connected that it was impossible to destroy." According to Banys, crossing the border was the most dangerous part of the journey. If caught, book smugglers could be shot on sight by Russian officials, imprisoned, tortured and banished to Siberia. More like this: • The chefs reclaiming Lithuania's cuisine • The European region where young people are happiest • Užupis: A tiny republic of free spirits "A book smuggler had to know the smallest details – when the border guards would be changing, which ones could be bribed, which trails or river crossings were watched more closely. Even inside the country, they had to be careful who to trust, how to transport the books and press – using double floors in carts and boxes, paying Jewish merchants aboard the Nemunas steamboats, hiding the books under haystacks and merchandise," Banys added. "The severity of the punishment, when caught, also depended on the kind of books they carried: religious materials were considered less of an offense, and a book smuggler might get away with a fine or a few years of imprisonment. Newspapers and literature that promoted the ideas of freedom, democracy, Lithuanian national identity and the like usually carried a death sentence or deportation to Siberia." According to Banys, these book smugglers didn't just save the language – they helped solidify Lithuanian identity, and, ultimately, its battle for independence. Alamy Book smugglers helped to solidify Lithuanian identity (Credit: Alamy)Alamy Book smugglers helped to solidify Lithuanian identity (Credit: Alamy) "Although many of the fates of the book smugglers were tragic, their contribution and their memory remain vital. During the years of the language ban, one book smuggler from Kėdainiai was caught by the Russian officers and beaten so severely he went mad. Even when the ban was lifted, this man would still wander around with books on his back, and people would tell their kids: look what our language has cost us; study it and cherish it," Banys said. When the Lithuanian language ban was lifted in 1904, Juozas Masiulis, one of the prominent book smugglers, opened his own book store in the town of Panevezys. The shop is now Lithuania's oldest bookstore. It's still operational today, and every year on 16 March, the nation commemorates the Day of the Book Smugglers. The river ferry near Vilkija – the only remaining Nemunas ferry – is now a popular attraction along the Panemunė road, and travellers can experience what it must have been like to cross the river on smaller boats. In Kaunas, the final stop along the Panemunė road, visitors can also see the Wall of the Book Smugglers – a monument honouring those who perished on their perilous journeys. Today, this scenic drive lives on as a living testament to Lithuania's rich culture, complex history and defiant spirit.

Panemunė: The scenic road that saved Europe's banned language

For nearly 40 years, daring smugglers transported nearly 40,000 Lithuanian-language books into the nation each year when it was forbidden under Russian rule. Following the gentle bends of the Nemunas, Lithuania's largest river, the Panemunė road stretches for more than 100km and marks the former border between Lithuania and East Prussia (now Kaliningrad, Russia). Considered the most romantic road in Lithuania by locals, it travels past a series of 17th-Century castles, Renaissance-era mansions and postcard-worthy towns. Yet, the route is perhaps best known as the site of a remarkable movement that took place in the late 19th Century and helped save Lithuanian, which is commonly considered the world's oldest surviving Indo-European language. Panemunė was built in the early 13th Century along a chain of early medieval fortresses and castles designed to protect the Grand duchy of Lithuania from the invading Teutonic forces coming from Prussia. By the 1800s, it had developed into a major trade and travel route as the fortresses became mansions for the nobility, and smaller towns grew around them. Among the road's many regal attractions are the Castle of Panemunė, a 17th-Century manor complete with intricate frescoes and a park with cascading ponds that's been transformed into a lavish hotel and artist residence. Ten kilometres east of the castle, Raudone ("The Red Castle") is a 16th-Century fortress that was partially destroyed during World War Two but has since been rebuilt and now offers horseback riding, archery lessons and a weekly food and arts fair. Alamy The Castle of Panemunė is one of many castles found along the route (Credit: Alamy)Alamy The Castle of Panemunė is one of many castles found along the route (Credit: Alamy) A further 20km east, the ancient city of Veliuona and the castle hill of Seredzius come into view, where a 30-minute hike up the wooden steps to the top of the lush green hill reveals sweeping views of the Nemunas river below. As the road unfurls in one final sweeping bend before the city of Kaunas, the towers of the Raudondvaris Castle emerge. Built where the Nemunas and Nevezis rivers meet, this sprawling 17th-Century estate now features a concert hall, labyrinth park, museum and a restaurant. "The Panemunė road is often called the 'paradise road' in Lithuania: it boasts exceptional scenery, rich history and countless cultural experiences ranging from the [Honey Valley]; boat trips along River Nemunas; [and] local dandelion wine tastings; to art and history museums, food fairs and cultural events in the Renaissance mansions along the road," said Eglė Speičienė, founder of the local travel agency TavoGidas. Because of the many castles, rolling hills and boutique wineries located along the Panemunė, Speičienė says some travellers liken the road to France's famed Loire Valley. However, stunning scenery and dreamy castles aren't the only thing Panemunė is known for. The road is also where a unique Lithuanian movement took place in the late 19th Century that would help shape the nation's character: book smuggling. From 1865 to 1904, the Lithuanian language (which is actually related to ancient Sanskrit and diverged thousands of years ago) was banned under the tsarist Russian rule, which controlled large swathes of the country at the time. The ban prohibited the printing, possessing and distributing of any publications in Lithuanian with the Latin alphabet – but instead of creating a complete Russification of the country, it had the opposite effect. Alamy Lithuanian is considered the oldest surviving Indo-European language (Credit: Alamy)Alamy Lithuanian is considered the oldest surviving Indo-European language (Credit: Alamy) A large network of resistance publishers, book smugglers and distributors sprang up and more than three million books, scientific papers, textbooks and newspapers were printed in Lithuanian in East Prussia and the US, which each had large populations of Lithuanian émigrés. According to historian Vytautas Merkys, during this 39-year-period more than 40,000 Lithuanian-language publications were smuggled into the country each year, reaching villages, parishes and towns across the nation via the Panemunė road. Panemunė's proximity to both East Prussia and Poland, (where the books entered) helped it serve as an entry point into the nation for book-smugglers. Tilžė (now Sovetsk, Kaliningrad) was one of the main points where smugglers crossed, and the road's final point, the city of Kaunas, served as Lithuania's capital from 1919 to 1940 and was a centre for cultural resistance against the Russians. "Essentially, Panemunė was the main artery through which the Lithuanian printed press and books reached the country. River Nemunas was a crucial point for crossing into the country. Some book smugglers swam across, carrying bundled-up books on their bodies, while some transported books hidden in steamboats or paid merchants to help," explained Vaidas Banys, a historian and educator. "[These] banned books, newspapers and religious texts reached deep into the country." According to Banys, these book smugglers were key to saving the Lithuanian language. They frequently carried up to 80lbs of printed Lithuanian books and other publications, smuggling them from East Prussia and other border locations across the Nemunas river, then transporting them along the backroads of Panemunė in horse-drawn carts hidden among stacks of hay, furniture or even empty coffins. Lukas Pileckas The fact that the Panemunė road crossed the Nemunas river was very helpful for book smugglers (Credit: Lukas Pileckas)Lukas Pileckas The fact that the Panemunė road crossed the Nemunas river was very helpful for book smugglers (Credit: Lukas Pileckas) "All routes were intricately connected, and no book smuggler worked alone. It wasn't just the person who smuggled the books across the border or carried them on their bodies. There were people who would carry the printed materials for a leg of the way, further distribute the prohibited press, finance the printing or supply local communities, parishes and schools," Banys said. "There [wasn't] a 'typical' book smuggler profile, either: people involved in the printing and transporting of the books came from all backgrounds – from simple peasants and devout women to landowners, priests, merchants, bankers and doctors. The network spanned thousands of individuals and organisations. That, in the end, was why the Russians eventually gave up and lifted the ban – the network was so vast and well-connected that it was impossible to destroy." According to Banys, crossing the border was the most dangerous part of the journey. If caught, book smugglers could be shot on sight by Russian officials, imprisoned, tortured and banished to Siberia. More like this: • The chefs reclaiming Lithuania's cuisine • The European region where young people are happiest • Užupis: A tiny republic of free spirits "A book smuggler had to know the smallest details – when the border guards would be changing, which ones could be bribed, which trails or river crossings were watched more closely. Even inside the country, they had to be careful who to trust, how to transport the books and press – using double floors in carts and boxes, paying Jewish merchants aboard the Nemunas steamboats, hiding the books under haystacks and merchandise," Banys added. "The severity of the punishment, when caught, also depended on the kind of books they carried: religious materials were considered less of an offense, and a book smuggler might get away with a fine or a few years of imprisonment. Newspapers and literature that promoted the ideas of freedom, democracy, Lithuanian national identity and the like usually carried a death sentence or deportation to Siberia." According to Banys, these book smugglers didn't just save the language – they helped solidify Lithuanian identity, and, ultimately, its battle for independence. Alamy Book smugglers helped to solidify Lithuanian identity (Credit: Alamy)Alamy Book smugglers helped to solidify Lithuanian identity (Credit: Alamy) "Although many of the fates of the book smugglers were tragic, their contribution and their memory remain vital. During the years of the language ban, one book smuggler from Kėdainiai was caught by the Russian officers and beaten so severely he went mad. Even when the ban was lifted, this man would still wander around with books on his back, and people would tell their kids: look what our language has cost us; study it and cherish it," Banys said. When the Lithuanian language ban was lifted in 1904, Juozas Masiulis, one of the prominent book smugglers, opened his own book store in the town of Panevezys. The shop is now Lithuania's oldest bookstore. It's still operational today, and every year on 16 March, the nation commemorates the Day of the Book Smugglers. The river ferry near Vilkija – the only remaining Nemunas ferry – is now a popular attraction along the Panemunė road, and travellers can experience what it must have been like to cross the river on smaller boats. In Kaunas, the final stop along the Panemunė road, visitors can also see the Wall of the Book Smugglers – a monument honouring those who perished on their perilous journeys. Today, this scenic drive lives on as a living testament to Lithuania's rich culture, complex history and defiant spirit.
Once nearly hunted to extinction, Pacific gray whales in Mexico's Laguna San Ignacio now seem to be as curious about us as we are about them. "Here she comes again!" our guide, José Sanchez, announces as a massive gray whale approaches us for the fifth time in 45 minutes. Each time our curious new friend returns to our idle fishing boat, it stays a bit longer on the surface, watching us as we watch her. This is our final outing to see what locals call "the friendlies" – the gray whales in Mexico's Laguna San Ignacio. As our boat quietly sits with its engine off, this 40-ton whale playfully rubs up against the sides of the boat, raising the top half of its white-speckled body and cosying up right along the hull as if to check out all six of us onboard. When the whale's eye – which is about the size of a baseball – breaks the surface and meets mine for a moment, I shriek with delight. We're told to give whales distance, but what happens when they come to watch us? Located on the western coast of Baja California Sur's peninsula, the Laguna San Ignacio is considered the last undisturbed breeding and calving lagoon of the Pacific gray whale. The protected whale sanctuary is also home to one of the world's most unusual wildlife encounters: here, curious whales regularly, and voluntarily, seek out contact with humans. Alamy In the Laguna San Ignacio, curious gray whales voluntarily approach boats and people (Credit: Alamy)Alamy In the Laguna San Ignacio, curious gray whales voluntarily approach boats and people (Credit: Alamy) Every year from January to mid-April, thousands of gray whales arrive in the lagoon during a 19,300km journey from the icy waters of the Arctic to the warm waters of Baja California Sur to mate and give birth. While these are now safe waters for nursing and breeding, gray whales were once hunted here. Yet, the animals now seem to have learned to trust humans. In fact, during my recent whale-watching trip with Sanchez's eco-tourism company Pure Baja Travels, we witnessed mothers bringing their calves over to boats to present them like proud parents. These unique encounters have influenced the conservation and protection of these gentle giants and spurred a thrilling – and responsible – whale-watching experience like nowhere else. Why do Baja's gray whales seek out human contact? For more than 50 years, gray whales in Baja have shown they seem to be as curious about us as we are them. Marine biologists believe a combination of circumstances contribute to this unique behaviour. "In the lagoon, today, there are no real threats," says Dr Steven Swartz, a cetacean researcher who has been studying gray whales at Laguna San Ignacio for 45 years. While gray whales have been known to occasionally approach humans elsewhere, according to Swartz, this is the only place where they regularly do so, and where the animals linger and often rise above the water's surface, allowing humans to touch them. Alamy In the protected reserve, whales often rise above the water, as if asking to be touched (Credit: Alamy)Alamy In the protected reserve, whales often rise above the water, as if asking to be touched (Credit: Alamy) Whale-watching is only permitted in a specific "zone" of the protected whale sanctuary, and there are strict rules: only 16 pangas (small fishing boats) are allowed in this zone at a time. To not overwhelm the whales, all boats must turn off their motors when whales approach. And most importantly, boat operators don't chase or pursue the whales. "[Guides] put you in the presence of the whales, and let the whales decide if they're going to come over, and say hello or not," says Swartz. But why do the whales seem to come and say hello? "Mammals are curious; they are sentient enough to learn about their environment, and they learn by exploring," Swartz explains, adding that mothers pass on this curiosity towards boats and people to their calves. "[The whales] are capable of remembering." Whales, in general, are very tactile; they like to rub and touch; that's how they communicate, Swartz says. Pacific gray whales aren't busy looking for food (they do that in the Arctic), so perhaps they're also bored, he suggests. While we cannot know exactly why the whales do what they do, Swartz and other marine biologists all agree the whales approach the boats voluntarily. Kathleen Rellihan Pachico Mayoral is considered something of a gray whale "saviour" around these parts (Credit: Kathleen Rellihan)Kathleen Rellihan Pachico Mayoral is considered something of a gray whale "saviour" around these parts (Credit: Kathleen Rellihan) A model for community-driven conservation Gray whales were nearly hunted to extinction during the 18th and 19th Centuries, and as a result, the animals tended to act aggressively towards humans – so much so that local fishermen even dubbed them "devil fish" and avoided them. But in 1972, a man named Francisco (Pachico) Mayoral was out fishing in Baja when a whale surfaced and lingered by his boat. Curiosity compelled him to put his hand in the water. The whale rubbed against Mayoral and stayed by his hand. News of Mayoral's experience spread, and locals, much less afraid, waited patiently to experience similar friendly encounters. "Gray whales specifically are naturally curious and have never been afraid of approaching floating items in the water. Humans hurt them, and then the gray whales reacted to that interaction," Sanchez tells me. "After [Mayoral's] first peaceful contact, humans started to realise gray whales are not the scary and mad animals we thought they were." Sanchez was the first Mexican naturalist to guide whale-watching tours in the lagoon back in the 1990s, and his own eco-tourism company now has a base camp on San Ignacio Lagoon. "As time has gone by, humans are becoming less afraid to let gray whales get closer to the point of close contact. I believe this is [also true for gray whales]." In 1972, the Mexican government created the San Ignacio Lagoon nature reserve, and in 1988, declared the lagoon a whale sanctuary within El Vizcaíno Biosphere Reserve, the largest wildlife refuge in Latin America. Five years later, it was designated as a Unesco World Heritage Site. The gray whale population recovered and was removed from the endangered species protection in 1994. José Sanchez Mayoral's first peaceful "encounter" with the whales has inspired conservation and new eco-tourism efforts (Credit: José Sanchez)José Sanchez Mayoral's first peaceful "encounter" with the whales has inspired conservation and new eco-tourism efforts (Credit: José Sanchez) That year, Mayoral tipped off environmentalists that Mitsubishi and the Mexican government were planning to build a massive salt factory within the nature reserve. The salt mine was thwarted in 2000 by a robust effort from the local and international community – drawing activists from Robert F Kennedy Jr to actor Christopher Reeves to Baja's shores to join the protest. Today, the battle to save Baja's gray whales is considered one of the greatest wildlife conservation success stories of our time. Mayoral passed away in 2013, but he's been referred to as the "saviour of gray whales" and the grandfather of whale-watching in Baja. Ever since his first peaceful encounter, visitors and locals alike have sought out a similar experience in Baja the lagoon. In fact, Mayoral's family is still running whale-watching trips. More like this: • An ethical – and safe – place to swim with whales • The hidden wonders of Mexico's sacred underwater world • Thirteen photos that will make you care about the ocean Today, the human-whale encounters in the San Ignacio Lagoon have not only fuelled conservation efforts but also inspired a regulated eco-tourism industry, which provides a meaningful source of income to local communities. "Eco-tourism is the economic basis for the community. [The people here] watch over the lagoon and whales, and work together to coordinate sustainable whale-watching so that they don't destroy or overuse the resource that's providing income for them: the whales," says Swartz. Kathleen Rellihan Pure Baja Travel's base camp is located on the banks of the lagoon (Credit: Kathleen Rellihan)Kathleen Rellihan Pure Baja Travel's base camp is located on the banks of the lagoon (Credit: Kathleen Rellihan) On Pure Baja Travel's five-day trips, travellers embark on six whale-watching outings (which give the animals more opportunities to come to you on their own terms) while also learning about the community's conservation efforts in the lagoon. The camp is only open in February through March and then it disappears when the animals migrate in April. From our tented base camp right on the banks of the lagoon, I awoke nearly every morning to the rumbling sounds of whales in the distance and could see their heart-shaped vapour spouts as we ate dinner. To be sleeping right along their sanctuary was almost as exciting as seeing them an arm's distance away during the day. A new generation steps up to save Baja's gray whales While the San Ignacio Lagoon where the gray whales give birth is now protected, continuing to safeguard the animals and support the local communities who guard them is more vital than ever. Climate change is now impacting the lagoon and the gray whales on their migratory path. Mexican climate activist Xiye Bastida hopes to inspire a new generation to step up and take action by co-producing and starring in a documentary that will be released in the coming months called The Whale Lagoon. At 22 years old, Bastida connects the grassroots conservation efforts that started a generation ago to the climate crisis facing this generation. She joined WildCoast, an international nonprofit organisation that has been a leading force in the gray whale conservation efforts for more than 25 years, to amplify the voices of the community. Claudio Contreras The restoration of the lagoon's mangroves is an important part of the fight to help sustain the whales' migratory path (Credit: Claudio Contreras)Claudio Contreras The restoration of the lagoon's mangroves is an important part of the fight to help sustain the whales' migratory path (Credit: Claudio Contreras) WildCoast's co-founder and executive director Serge Dedina worked to permanently protect 450,000-acres of San Ignacio Lagoon habitat in 2004. helped to successfully lobby the Mexican government for San Ignacio Lagoon to be included in the El Vizcaíno Biosphere Reserve, the largest wildlife refuge in Latin America, back in 1988. Now he says Laguna San Ignacio is a global model showing how to protect wildlife while creating sustainable development. The organisation helps to train ecotourism guides, enhance outreach and expand women-led mangrove restoration programmes that help fight climate change. With the climate crisis affecting the migratory path of the whales, the restoration of mangroves (which sequester 10 times more carbon than tropical forests) is another battle Laguna San Ignacio area residents are fighting every day, along with needing to regulate development and tourism around the lagoons. "There's something about the whales that makes you feel overwhelmed, with almost a responsibility to take care of them. When the whale pushes up her calf so you can touch it, that is an immense amount of trust," Bastida tells BBC. "We call them the friendly whales, but I think they are the conscious whales, and they want us to be more conscious and more in touch," she adds. "I hope that if people see the film or if they are fortunate to see the whales, they can find a piece of themselves they didn't know they had – an instinct to protect [them]."

The only place where whales come to watch you

Once nearly hunted to extinction, Pacific gray whales in Mexico's Laguna San Ignacio now seem to be as curious about us as we are about them. "Here she comes again!" our guide, José Sanchez, announces as a massive gray whale approaches us for the fifth time in 45 minutes. Each time our curious new friend returns to our idle fishing boat, it stays a bit longer on the surface, watching us as we watch her. This is our final outing to see what locals call "the friendlies" – the gray whales in Mexico's Laguna San Ignacio. As our boat quietly sits with its engine off, this 40-ton whale playfully rubs up against the sides of the boat, raising the top half of its white-speckled body and cosying up right along the hull as if to check out all six of us onboard. When the whale's eye – which is about the size of a baseball – breaks the surface and meets mine for a moment, I shriek with delight. We're told to give whales distance, but what happens when they come to watch us? Located on the western coast of Baja California Sur's peninsula, the Laguna San Ignacio is considered the last undisturbed breeding and calving lagoon of the Pacific gray whale. The protected whale sanctuary is also home to one of the world's most unusual wildlife encounters: here, curious whales regularly, and voluntarily, seek out contact with humans. Alamy In the Laguna San Ignacio, curious gray whales voluntarily approach boats and people (Credit: Alamy)Alamy In the Laguna San Ignacio, curious gray whales voluntarily approach boats and people (Credit: Alamy) Every year from January to mid-April, thousands of gray whales arrive in the lagoon during a 19,300km journey from the icy waters of the Arctic to the warm waters of Baja California Sur to mate and give birth. While these are now safe waters for nursing and breeding, gray whales were once hunted here. Yet, the animals now seem to have learned to trust humans. In fact, during my recent whale-watching trip with Sanchez's eco-tourism company Pure Baja Travels, we witnessed mothers bringing their calves over to boats to present them like proud parents. These unique encounters have influenced the conservation and protection of these gentle giants and spurred a thrilling – and responsible – whale-watching experience like nowhere else. Why do Baja's gray whales seek out human contact? For more than 50 years, gray whales in Baja have shown they seem to be as curious about us as we are them. Marine biologists believe a combination of circumstances contribute to this unique behaviour. "In the lagoon, today, there are no real threats," says Dr Steven Swartz, a cetacean researcher who has been studying gray whales at Laguna San Ignacio for 45 years. While gray whales have been known to occasionally approach humans elsewhere, according to Swartz, this is the only place where they regularly do so, and where the animals linger and often rise above the water's surface, allowing humans to touch them. Alamy In the protected reserve, whales often rise above the water, as if asking to be touched (Credit: Alamy)Alamy In the protected reserve, whales often rise above the water, as if asking to be touched (Credit: Alamy) Whale-watching is only permitted in a specific "zone" of the protected whale sanctuary, and there are strict rules: only 16 pangas (small fishing boats) are allowed in this zone at a time. To not overwhelm the whales, all boats must turn off their motors when whales approach. And most importantly, boat operators don't chase or pursue the whales. "[Guides] put you in the presence of the whales, and let the whales decide if they're going to come over, and say hello or not," says Swartz. But why do the whales seem to come and say hello? "Mammals are curious; they are sentient enough to learn about their environment, and they learn by exploring," Swartz explains, adding that mothers pass on this curiosity towards boats and people to their calves. "[The whales] are capable of remembering." Whales, in general, are very tactile; they like to rub and touch; that's how they communicate, Swartz says. Pacific gray whales aren't busy looking for food (they do that in the Arctic), so perhaps they're also bored, he suggests. While we cannot know exactly why the whales do what they do, Swartz and other marine biologists all agree the whales approach the boats voluntarily. Kathleen Rellihan Pachico Mayoral is considered something of a gray whale "saviour" around these parts (Credit: Kathleen Rellihan)Kathleen Rellihan Pachico Mayoral is considered something of a gray whale "saviour" around these parts (Credit: Kathleen Rellihan) A model for community-driven conservation Gray whales were nearly hunted to extinction during the 18th and 19th Centuries, and as a result, the animals tended to act aggressively towards humans – so much so that local fishermen even dubbed them "devil fish" and avoided them. But in 1972, a man named Francisco (Pachico) Mayoral was out fishing in Baja when a whale surfaced and lingered by his boat. Curiosity compelled him to put his hand in the water. The whale rubbed against Mayoral and stayed by his hand. News of Mayoral's experience spread, and locals, much less afraid, waited patiently to experience similar friendly encounters. "Gray whales specifically are naturally curious and have never been afraid of approaching floating items in the water. Humans hurt them, and then the gray whales reacted to that interaction," Sanchez tells me. "After [Mayoral's] first peaceful contact, humans started to realise gray whales are not the scary and mad animals we thought they were." Sanchez was the first Mexican naturalist to guide whale-watching tours in the lagoon back in the 1990s, and his own eco-tourism company now has a base camp on San Ignacio Lagoon. "As time has gone by, humans are becoming less afraid to let gray whales get closer to the point of close contact. I believe this is [also true for gray whales]." In 1972, the Mexican government created the San Ignacio Lagoon nature reserve, and in 1988, declared the lagoon a whale sanctuary within El Vizcaíno Biosphere Reserve, the largest wildlife refuge in Latin America. Five years later, it was designated as a Unesco World Heritage Site. The gray whale population recovered and was removed from the endangered species protection in 1994. José Sanchez Mayoral's first peaceful "encounter" with the whales has inspired conservation and new eco-tourism efforts (Credit: José Sanchez)José Sanchez Mayoral's first peaceful "encounter" with the whales has inspired conservation and new eco-tourism efforts (Credit: José Sanchez) That year, Mayoral tipped off environmentalists that Mitsubishi and the Mexican government were planning to build a massive salt factory within the nature reserve. The salt mine was thwarted in 2000 by a robust effort from the local and international community – drawing activists from Robert F Kennedy Jr to actor Christopher Reeves to Baja's shores to join the protest. Today, the battle to save Baja's gray whales is considered one of the greatest wildlife conservation success stories of our time. Mayoral passed away in 2013, but he's been referred to as the "saviour of gray whales" and the grandfather of whale-watching in Baja. Ever since his first peaceful encounter, visitors and locals alike have sought out a similar experience in Baja the lagoon. In fact, Mayoral's family is still running whale-watching trips. More like this: • An ethical – and safe – place to swim with whales • The hidden wonders of Mexico's sacred underwater world • Thirteen photos that will make you care about the ocean Today, the human-whale encounters in the San Ignacio Lagoon have not only fuelled conservation efforts but also inspired a regulated eco-tourism industry, which provides a meaningful source of income to local communities. "Eco-tourism is the economic basis for the community. [The people here] watch over the lagoon and whales, and work together to coordinate sustainable whale-watching so that they don't destroy or overuse the resource that's providing income for them: the whales," says Swartz. Kathleen Rellihan Pure Baja Travel's base camp is located on the banks of the lagoon (Credit: Kathleen Rellihan)Kathleen Rellihan Pure Baja Travel's base camp is located on the banks of the lagoon (Credit: Kathleen Rellihan) On Pure Baja Travel's five-day trips, travellers embark on six whale-watching outings (which give the animals more opportunities to come to you on their own terms) while also learning about the community's conservation efforts in the lagoon. The camp is only open in February through March and then it disappears when the animals migrate in April. From our tented base camp right on the banks of the lagoon, I awoke nearly every morning to the rumbling sounds of whales in the distance and could see their heart-shaped vapour spouts as we ate dinner. To be sleeping right along their sanctuary was almost as exciting as seeing them an arm's distance away during the day. A new generation steps up to save Baja's gray whales While the San Ignacio Lagoon where the gray whales give birth is now protected, continuing to safeguard the animals and support the local communities who guard them is more vital than ever. Climate change is now impacting the lagoon and the gray whales on their migratory path. Mexican climate activist Xiye Bastida hopes to inspire a new generation to step up and take action by co-producing and starring in a documentary that will be released in the coming months called The Whale Lagoon. At 22 years old, Bastida connects the grassroots conservation efforts that started a generation ago to the climate crisis facing this generation. She joined WildCoast, an international nonprofit organisation that has been a leading force in the gray whale conservation efforts for more than 25 years, to amplify the voices of the community. Claudio Contreras The restoration of the lagoon's mangroves is an important part of the fight to help sustain the whales' migratory path (Credit: Claudio Contreras)Claudio Contreras The restoration of the lagoon's mangroves is an important part of the fight to help sustain the whales' migratory path (Credit: Claudio Contreras) WildCoast's co-founder and executive director Serge Dedina worked to permanently protect 450,000-acres of San Ignacio Lagoon habitat in 2004. helped to successfully lobby the Mexican government for San Ignacio Lagoon to be included in the El Vizcaíno Biosphere Reserve, the largest wildlife refuge in Latin America, back in 1988. Now he says Laguna San Ignacio is a global model showing how to protect wildlife while creating sustainable development. The organisation helps to train ecotourism guides, enhance outreach and expand women-led mangrove restoration programmes that help fight climate change. With the climate crisis affecting the migratory path of the whales, the restoration of mangroves (which sequester 10 times more carbon than tropical forests) is another battle Laguna San Ignacio area residents are fighting every day, along with needing to regulate development and tourism around the lagoons. "There's something about the whales that makes you feel overwhelmed, with almost a responsibility to take care of them. When the whale pushes up her calf so you can touch it, that is an immense amount of trust," Bastida tells BBC. "We call them the friendly whales, but I think they are the conscious whales, and they want us to be more conscious and more in touch," she adds. "I hope that if people see the film or if they are fortunate to see the whales, they can find a piece of themselves they didn't know they had – an instinct to protect [them]."
Considered the gateway to the world's largest archipelago and renowned for its food scene, Finland's second city is well worth a detour. Nordic destinations Stockholm and Copenhagen lure millions of visitors a year, many attracted by the cities' upscale design, elevated food scenes and compelling histories. Yet, Finland's first capital and oldest city, Turku, founded in 1229 along the banks of the River Aura, hits the same high notes as its neighbours, but without the crowds. What's more, this 200,000-person city on Finland's south-west coast is also known as the gateway to the Finnish archipelago: a 40,000-island labyrinth that's considered the largest in the world. Known as Åbo to its predominantly Swedish-speaking inhabitants (a name which aptly means "living by the river"), Turku was once part of Sweden in the Middle Ages before becoming an autonomous Grand Duchy of the Russian Empire in 1809. Since Finland gained independence in 1917, the cosmopolitan hub has served as Finland's second city, and thanks to its thriving food and cafe scene and its Seine-like river vibe, the city is sometimes called "the Paris of Finland". Getty Images Turku is Finland's second city and its oldest (Credit: Getty Images)Getty Images Turku is Finland's second city and its oldest (Credit: Getty Images) Tree-lined boulevards flanked by 19th-Century theatres, coffee shops and market halls – many with a sustainable throughline – fill Turku's compact and walkable centre. I spent an hour flipping through new and used CDs and vinyl at the three-storey 8raita Record Store and shopped for vintage kimonos and theatre costumes, jewellery and dresses at Boutique Minne in the town centre. Nonprofit, cooperative book cafe Turku Kirjakahvila offers literature from Finnish and foreign publishing houses, self-published books and house-baked vegan pastries; Televisio Lifestyle Store sells a multi-chromatic clash of clothes, jewellery, shoes, bags, and gifts from the store's eponymous label and Finnish and Nordic brands Katri Niskanen, Gauhar, Papu Design and NOT. Sadly, 70% of the city's buildings burned down during the 1827 Great Fire of Turku, but you can see glimpses of the city's distant past at the Museum of Archaeology and Contemporary Art, where the remains of Turku's former medieval city quarter, Aboa Vetus, were discovered following archaeological excavations and are now displayed. Tip: The Turku Treasure Map is a printable booklet filled with great recommendations on the city's food, art, design and local culture. Above ground, the 13th-Century granite-and-stone Turku Castle stood guard over the Aura until it was reimagined as a Finnish history museum in 1993. Elsewhere, The Kakolanmäki Hill Museum showcases more recent developments, including the history of Kakola Prison, which was established in 1863 and housed some of the country's most notorious villains and murderers until in 2007. Since then, Kakolanmäki, ("Kakola's hill"), has been revitalised. You can opt to stay at the prison's former psychiatric hospital, Forenom apartments, which now offer modern accommodations with a Nordic-chic wood-and-textile aesthetic, or Hotel Kakola, whose upscale rooms are located in the city's former prison (the narrow cell room with simple bunk beds and barred windows is the most requested). From the hotel, a pleasant stroll north-east along the river's north bank takes you to Turku's granite Art Museum, whose 7,600 works span the "golden age" of Finnish art, Finnish Surrealism and pop art at the turn of the 20th Century. A short walk away, Café Art is a seven-time recipient of the national Barista of the Year – a highly anticipated competition, since the Finns rank among the world's biggest coffee drinkers. Alamy Turku is sometimes called "the Paris of Finland" because of its food and cafe scene (Credit: Alamy)Alamy Turku is sometimes called "the Paris of Finland" because of its food and cafe scene (Credit: Alamy) In the summer, outdoor concerts are held almost daily outside the Turku Cathedral, with plenty of vendors selling locally sourced food and wine. When Finland joined the EU in 1995, its ministers had to decide whether Finland was a Nordic country that received heating subsidies or a wine-producing nation, like France and Italy, which received different grants. Finland's government opted to keep its citizens warm; today, Finland must label homegrown grape wine as "mild alcoholic beverage fermented from grapes", prompting entrepreneurs to explore boozy expressions of lingonberries, cloudberries and sea buckthorn, which are slowly garnering attention from international sommeliers. If you fancy a more familiar wine, you'll find that, too. I spent an enjoyable hour supine in a deck chair, chatting with the vintners from urban winery Noita who are skirting the rules by hand-picking organic grapes from Burgenland, Austria, and transporting them to their facility in Finland's Fiskars Village, 112km to the south-east, to make delicious natural Riesling, Grüner Veltliner and other blends. The city's food scene has been attracting international attention lately, too. After tasting-menu restaurant Kaskis earned Turku's first Michelin star in 2022 (Finland's first outside Helsinki), Michelin chose to launch its 2023 Nordic Countries Guide in Turku, highlighting the region's local food culture. In Kaskis's intimate and unassuming space on the ground floor of an apartment building, chefs and founders Simo Raisio and Erik Mansikka pair pristine perch and pike with celery and ingredients foraged sustainably in nearby forests, served on an eclectic mix of recycled plates and Mansikka's hand-made ceramics. Mansikka is something of a posterchild for the ambitions of Turku's dynamic food scene: as I wandered around town, his red Michelin star clavicle tattoo and impish grin decorated displays of pots and pans at kitchen stores all over. He's also a familiar sight at Turku Market Hall, where vendors supply home cooks and top-notch restaurants alike with fresh produce and products. I planned to wander the market's 19th-Century red-brick halls before finding a restaurant for lunch, but instead, the smells emanating from shop-cum-lunch counter Herkkunuotta lured me to pull up a counter chair. Upbeat chef-fishmonger Johan Hellsten and his team develop catch-of-the-day dishes on the fly between wrapping packets of spotted crab and giant shrimp. That day, offerings included perch soup seasoned liberally with fragrant dill, cold-smoked and cured local rainbow trout, and reindeer two-ways: a mousse-filled tartlet, and cold-smoked and sliced with horseradish. Gemma Zoë Price In the last few years, Turku's food scene has been attracting a lot of international attention (Credit: Gemma Zoë Price)Gemma Zoë Price In the last few years, Turku's food scene has been attracting a lot of international attention (Credit: Gemma Zoë Price) Turku is renowned for the quality of its local, seasonal ingredients, many of which are farmed or harvested on its nearby islands. In fact, the many thousands of islands and islets encompassing the Finnish archipelago (sometimes called the Turku archipelago) include autonomous municipalities that invite you to choose your own adventure – culinary or otherwise. One of the closest is Ruissalo, part of Turku city (accessible via bus #8 from the city centre) and a former hunting island for Turku Castle's court. One of my favourite ways to spend a Sunday is a massage at Ruissalo Spa before alternating between chilly sea water plunges and mad dashes back to the balmy warmth of the sauna. More like this: • Maakalla: Europe's isolated, autonomous island • The secret meaning behind the World Tree Hugging Championships • The Swedish law of wanderlust From Turku, Finland's many islands fan west along the Baltic Sea between the Gulf of Bothnia, the Gulf of Finland and Åland, an autonomous group of more than 6,500 islands within Finnish territorial waters – only 60 of which are inhabited. Thanks to the city's airport, its twice-daily ferry departures to the region and frequent boat tours of the archipelago, Finland's second city is considered the best gateway to these far-flung isles. Despite its lofty latitude, Åland is often sunnier than the mainland. As spring arrives, the region comes alive as 1.5 million visitors swell its inhabited islands through the summer months, most bound for Åland's capital, Mariehamn (Marie's Harbour), which was established by Russia's Czar Alexander II in 1861 and named for his wife. There's plenty to do (I spent my days wandering the ruins of the Czar's granite fortress and exploring glorious parks and museums) and plenty to eat and drink tucked away within the Torggatan pedestrian precinct's red-and-yellow wooden houses. Visit Pargas Parainen Thousands of islands are found off the coast of Turku (Credit: Visit Pargas Parainen)Visit Pargas Parainen Thousands of islands are found off the coast of Turku (Credit: Visit Pargas Parainen) Åland is at its most buzzy during its famed three-day Harvest Festival (typically held in September or October), when local farms and cellars open their doors. I stocked up on local prize-winning butter and cheeses; fruit pies filled with local apples, plums and pears; and Venezuelan transplant Mercedes Winquist's chocolate-enrobed berry confections. Finland's Everyman's Right gives Finns and visitors alike the freedom to temporarily stay and camp out overnight anywhere – even in public parks and on private property, so long as you don't cause damage or disturb the landowner. The archipelago is also accessible by year-round ferry service from Turku. Winter attracts those who enjoy cross-country skiing, ice-fishing and skating, post-sauna dips in the freezing Baltic or white-knuckling it to drive point-to-point over the frozen ocean when conditions permit. But visiting from spring to early autumn has always been more my speed, when warmer weather signals the opening of The Archipelago Trail: a 250km "ring road" connected by a network of huge, free-to-ride electric yellow ferries that glide noiselessly between islands and invite leisurely exploration. Alamy Finland's "Everyman's Right" law enables visitors and Finns to camp most anywhere so long as they don't disturb local landowners (Credit: Alamy)Alamy Finland's "Everyman's Right" law enables visitors and Finns to camp most anywhere so long as they don't disturb local landowners (Credit: Alamy) On a recent trip, my favourite sojourn was an afternoon spent at Hotel Hyppeis, a renovated village schoolhouse on Houtskär island (roughly three hours by car and ferry from Turku) where co-owners Sam and Outi Fagerlundin host overnight guests in simple rooms decorated with vintage furnishings and rugs woven from upcycled bed linens and towels. In the summer, the hotel's former classroom hosts a series of multi-course dinners showcasing locally sourced lamb, potatoes grown in a field across the street and other products by a rotating cast of visiting chefs. Disembarking from a sailboat, I was greeted on the deck by a violinist and staff carrying silver platters of crystal glasses of rose spritz, infused by petals from the garden. The menu that day was roast lamb two ways, Jerusalem artichoke and blue cheese cream soup with pear compote and a salty salmon dish fragrant with little star anise. They were flavours born from this relatively unexplored corner of Europe, and the perfect way to refuel after a day's exploration.

Turku: Finland's under-the-radar Nordic destination

Considered the gateway to the world's largest archipelago and renowned for its food scene, Finland's second city is well worth a detour. Nordic destinations Stockholm and Copenhagen lure millions of visitors a year, many attracted by the cities' upscale design, elevated food scenes and compelling histories. Yet, Finland's first capital and oldest city, Turku, founded in 1229 along the banks of the River Aura, hits the same high notes as its neighbours, but without the crowds. What's more, this 200,000-person city on Finland's south-west coast is also known as the gateway to the Finnish archipelago: a 40,000-island labyrinth that's considered the largest in the world. Known as Åbo to its predominantly Swedish-speaking inhabitants (a name which aptly means "living by the river"), Turku was once part of Sweden in the Middle Ages before becoming an autonomous Grand Duchy of the Russian Empire in 1809. Since Finland gained independence in 1917, the cosmopolitan hub has served as Finland's second city, and thanks to its thriving food and cafe scene and its Seine-like river vibe, the city is sometimes called "the Paris of Finland". Getty Images Turku is Finland's second city and its oldest (Credit: Getty Images)Getty Images Turku is Finland's second city and its oldest (Credit: Getty Images) Tree-lined boulevards flanked by 19th-Century theatres, coffee shops and market halls – many with a sustainable throughline – fill Turku's compact and walkable centre. I spent an hour flipping through new and used CDs and vinyl at the three-storey 8raita Record Store and shopped for vintage kimonos and theatre costumes, jewellery and dresses at Boutique Minne in the town centre. Nonprofit, cooperative book cafe Turku Kirjakahvila offers literature from Finnish and foreign publishing houses, self-published books and house-baked vegan pastries; Televisio Lifestyle Store sells a multi-chromatic clash of clothes, jewellery, shoes, bags, and gifts from the store's eponymous label and Finnish and Nordic brands Katri Niskanen, Gauhar, Papu Design and NOT. Sadly, 70% of the city's buildings burned down during the 1827 Great Fire of Turku, but you can see glimpses of the city's distant past at the Museum of Archaeology and Contemporary Art, where the remains of Turku's former medieval city quarter, Aboa Vetus, were discovered following archaeological excavations and are now displayed. Tip: The Turku Treasure Map is a printable booklet filled with great recommendations on the city's food, art, design and local culture. Above ground, the 13th-Century granite-and-stone Turku Castle stood guard over the Aura until it was reimagined as a Finnish history museum in 1993. Elsewhere, The Kakolanmäki Hill Museum showcases more recent developments, including the history of Kakola Prison, which was established in 1863 and housed some of the country's most notorious villains and murderers until in 2007. Since then, Kakolanmäki, ("Kakola's hill"), has been revitalised. You can opt to stay at the prison's former psychiatric hospital, Forenom apartments, which now offer modern accommodations with a Nordic-chic wood-and-textile aesthetic, or Hotel Kakola, whose upscale rooms are located in the city's former prison (the narrow cell room with simple bunk beds and barred windows is the most requested). From the hotel, a pleasant stroll north-east along the river's north bank takes you to Turku's granite Art Museum, whose 7,600 works span the "golden age" of Finnish art, Finnish Surrealism and pop art at the turn of the 20th Century. A short walk away, Café Art is a seven-time recipient of the national Barista of the Year – a highly anticipated competition, since the Finns rank among the world's biggest coffee drinkers. Alamy Turku is sometimes called "the Paris of Finland" because of its food and cafe scene (Credit: Alamy)Alamy Turku is sometimes called "the Paris of Finland" because of its food and cafe scene (Credit: Alamy) In the summer, outdoor concerts are held almost daily outside the Turku Cathedral, with plenty of vendors selling locally sourced food and wine. When Finland joined the EU in 1995, its ministers had to decide whether Finland was a Nordic country that received heating subsidies or a wine-producing nation, like France and Italy, which received different grants. Finland's government opted to keep its citizens warm; today, Finland must label homegrown grape wine as "mild alcoholic beverage fermented from grapes", prompting entrepreneurs to explore boozy expressions of lingonberries, cloudberries and sea buckthorn, which are slowly garnering attention from international sommeliers. If you fancy a more familiar wine, you'll find that, too. I spent an enjoyable hour supine in a deck chair, chatting with the vintners from urban winery Noita who are skirting the rules by hand-picking organic grapes from Burgenland, Austria, and transporting them to their facility in Finland's Fiskars Village, 112km to the south-east, to make delicious natural Riesling, Grüner Veltliner and other blends. The city's food scene has been attracting international attention lately, too. After tasting-menu restaurant Kaskis earned Turku's first Michelin star in 2022 (Finland's first outside Helsinki), Michelin chose to launch its 2023 Nordic Countries Guide in Turku, highlighting the region's local food culture. In Kaskis's intimate and unassuming space on the ground floor of an apartment building, chefs and founders Simo Raisio and Erik Mansikka pair pristine perch and pike with celery and ingredients foraged sustainably in nearby forests, served on an eclectic mix of recycled plates and Mansikka's hand-made ceramics. Mansikka is something of a posterchild for the ambitions of Turku's dynamic food scene: as I wandered around town, his red Michelin star clavicle tattoo and impish grin decorated displays of pots and pans at kitchen stores all over. He's also a familiar sight at Turku Market Hall, where vendors supply home cooks and top-notch restaurants alike with fresh produce and products. I planned to wander the market's 19th-Century red-brick halls before finding a restaurant for lunch, but instead, the smells emanating from shop-cum-lunch counter Herkkunuotta lured me to pull up a counter chair. Upbeat chef-fishmonger Johan Hellsten and his team develop catch-of-the-day dishes on the fly between wrapping packets of spotted crab and giant shrimp. That day, offerings included perch soup seasoned liberally with fragrant dill, cold-smoked and cured local rainbow trout, and reindeer two-ways: a mousse-filled tartlet, and cold-smoked and sliced with horseradish. Gemma Zoë Price In the last few years, Turku's food scene has been attracting a lot of international attention (Credit: Gemma Zoë Price)Gemma Zoë Price In the last few years, Turku's food scene has been attracting a lot of international attention (Credit: Gemma Zoë Price) Turku is renowned for the quality of its local, seasonal ingredients, many of which are farmed or harvested on its nearby islands. In fact, the many thousands of islands and islets encompassing the Finnish archipelago (sometimes called the Turku archipelago) include autonomous municipalities that invite you to choose your own adventure – culinary or otherwise. One of the closest is Ruissalo, part of Turku city (accessible via bus #8 from the city centre) and a former hunting island for Turku Castle's court. One of my favourite ways to spend a Sunday is a massage at Ruissalo Spa before alternating between chilly sea water plunges and mad dashes back to the balmy warmth of the sauna. More like this: • Maakalla: Europe's isolated, autonomous island • The secret meaning behind the World Tree Hugging Championships • The Swedish law of wanderlust From Turku, Finland's many islands fan west along the Baltic Sea between the Gulf of Bothnia, the Gulf of Finland and Åland, an autonomous group of more than 6,500 islands within Finnish territorial waters – only 60 of which are inhabited. Thanks to the city's airport, its twice-daily ferry departures to the region and frequent boat tours of the archipelago, Finland's second city is considered the best gateway to these far-flung isles. Despite its lofty latitude, Åland is often sunnier than the mainland. As spring arrives, the region comes alive as 1.5 million visitors swell its inhabited islands through the summer months, most bound for Åland's capital, Mariehamn (Marie's Harbour), which was established by Russia's Czar Alexander II in 1861 and named for his wife. There's plenty to do (I spent my days wandering the ruins of the Czar's granite fortress and exploring glorious parks and museums) and plenty to eat and drink tucked away within the Torggatan pedestrian precinct's red-and-yellow wooden houses. Visit Pargas Parainen Thousands of islands are found off the coast of Turku (Credit: Visit Pargas Parainen)Visit Pargas Parainen Thousands of islands are found off the coast of Turku (Credit: Visit Pargas Parainen) Åland is at its most buzzy during its famed three-day Harvest Festival (typically held in September or October), when local farms and cellars open their doors. I stocked up on local prize-winning butter and cheeses; fruit pies filled with local apples, plums and pears; and Venezuelan transplant Mercedes Winquist's chocolate-enrobed berry confections. Finland's Everyman's Right gives Finns and visitors alike the freedom to temporarily stay and camp out overnight anywhere – even in public parks and on private property, so long as you don't cause damage or disturb the landowner. The archipelago is also accessible by year-round ferry service from Turku. Winter attracts those who enjoy cross-country skiing, ice-fishing and skating, post-sauna dips in the freezing Baltic or white-knuckling it to drive point-to-point over the frozen ocean when conditions permit. But visiting from spring to early autumn has always been more my speed, when warmer weather signals the opening of The Archipelago Trail: a 250km "ring road" connected by a network of huge, free-to-ride electric yellow ferries that glide noiselessly between islands and invite leisurely exploration. Alamy Finland's "Everyman's Right" law enables visitors and Finns to camp most anywhere so long as they don't disturb local landowners (Credit: Alamy)Alamy Finland's "Everyman's Right" law enables visitors and Finns to camp most anywhere so long as they don't disturb local landowners (Credit: Alamy) On a recent trip, my favourite sojourn was an afternoon spent at Hotel Hyppeis, a renovated village schoolhouse on Houtskär island (roughly three hours by car and ferry from Turku) where co-owners Sam and Outi Fagerlundin host overnight guests in simple rooms decorated with vintage furnishings and rugs woven from upcycled bed linens and towels. In the summer, the hotel's former classroom hosts a series of multi-course dinners showcasing locally sourced lamb, potatoes grown in a field across the street and other products by a rotating cast of visiting chefs. Disembarking from a sailboat, I was greeted on the deck by a violinist and staff carrying silver platters of crystal glasses of rose spritz, infused by petals from the garden. The menu that day was roast lamb two ways, Jerusalem artichoke and blue cheese cream soup with pear compote and a salty salmon dish fragrant with little star anise. They were flavours born from this relatively unexplored corner of Europe, and the perfect way to refuel after a day's exploration.