Wise (ex TransferWise) App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

Good service, horrible app!. I spent hours over the weekend trying to add a new recipient. However the app would never accept the person’s street address. After trying 8 or 9 versions of the address, I finally closed the app and reopened and started all over (a very time consuming process). I finally was about to set up my new recipient. The next roadblock came when I tried to send money to that recipient. I already had a bank account linked to another recipient, but apparently you have to set up your own bank all over again with each new recipient. I did this. The transfer appeared to be underway, but was flagged. An email said that it “needed attention.” When I tried to go to that transfer, I got stuck in an endless merry-go-round in which it would say you must go to TransferWise online to solve the problem. When I did, it just sent me back where I started. After repeating this 5 or 6 times, I tried closing the app and reopening it to no avail: the merry-go-round continued. And of course THERE IS NO PHONE SUPPORT ON WEEKENDS, so you are completely out of luck. I still don’t know the status of my last attempted transfer. I don’t even know if the money was debited from my account or not! In the future I will be taking my money transfer business elsewhere. I would NOT recommend TransferWise to anyone. There are plenty of other services to choose from.

Awesome!. I can not praise TransferWise and their AP more and no this is not a fake review. I have been trying to transfer money from Europe to the US for months without any success with regular banks who blamed each other for the problems and would not work with us to find out why the transfer was not working. TransferWise worked the first time and moving funds from one currency to another was so easy. There are fees but the exchange rate with TransferWise is much better than any traditional bank will give you. Every time I sent a question to TransferWise they responded very quickly and also have fast service when you call them as well. The AP is well designed, does not freeze or crash. If you need to work with funds in multiple currencies TransferWise is the way to go.

Good app but Not As Intuitive for US Customers. Currently I am using this account for personal finances, not business. First of all, let me say that I, as a US customer, love having the ability to have an account where I can convert USD to GBP & Euros. AND to now have a debit card for traveling is fantastic. My husband & I are planning to move to the UK part time in retirement and using Wise will provide me the ability to manage our finances wherever we are. Maybe it’s just me, but I think that because this app is designed by UK banking, the app is not as intuitive as my regular US banking app. For some reason, it’s difficult to navigate and find the transaction that i want to make even if I’ve done it before. I find myself going to the help section a lot. In addition, there is no way to create a joint account- I am able to add my husband as a “helper” but he doesn’t have full joint privileges. He will have full inheritance rites and the ability to use the account, however, I’m not certain what his limits in using the account are. I had to contact Wise Banking through the help number and they e-mail the form & directions because actual signatures are required - which is fine as these are regulatory safety steps. I do highly recommend Wise and Wise was recommended to me my dear friend in the UK. I’m sure I will learn how to negotiate the app better with time.

Doesn’t display current market rates. We frequently transfer money internationally, often trying to take advantage of fluctuations in the market. To do this we need to be able to see current rates easily on one page. The problem I have with this app in the inability to that. The addition of this one feature would vastly improve the customer experience. Also, Wise has a “compare rates” function, which shows how much money you save sending with them. However, since I have several forex apps, I can actually compare rates and those shown by Wise falsely show them in a flattering light. If you simply want to transfer money this app is fine; if you want to send at the best rate, it’s not great. Also, we don’t need to receive money from foreign sources so that function not applicable to us.

2nd Time, Still Not The Charm. TL;DR: Don’t use this app, you’ll simply waste your time. 0 stars if possible So I opened a TransferWise account a few month ago to send myself money from my USA account to my Thailand bank accounts. I made the mistake to use apple’s hide my email feature during sign up. Wise deactivate my account without sending me an email. So when I need to send money I wasn’t aware my account wasn’t working until it was too late and I ended up look like an idiot. I might be so who know. Anyways I left a comment and Wise responded saying, I should appeal my account deactivation. Which I did and they kept it shut. So months later, I’m opening an account with OpenCollective, a site where my company can publicly receive donations and contractors can request payments from set donations. Turns out that they use Wise to transfer the funds from my company account to my contractors account. I begrudgingly opened a Business account knowing how last time went…. And guess what? My business’ account has been shut down and I don’t know why and I needed to pay my contractors today. Also no email. I’ll go back to using Remitly. They have helped me for the past few months and I haven’t had any issue with them. I’m not endorsing Remitly and this is not a paid add, just look at the review on App Store, Remitly has more downloads and 5 stars, wise is slowing loosing the 5 stars. All in all I’m done, gotta go pay some hardworking men and women. Good day.

Best money transfer app and A+ business practices. I use this for my US business to pay non-US vendors plus to send money to my non-US fiance and it is by far the best. Fast transfers and great rates. And the verification process isn't torture like for many other financial services platforms. How great are they? You can check to see how their rates compare before transferring. Before my last transfer to my fiance they show me Xoom actually has a better rate and up front say "Hey we like to be honest and right now it seems you can get a better rate elsewhere." I almost just finished the transfer with them on principle, but I happened to already have Xoom set up and had been wanting to try them out. Process was easy with them and i deed I was saving like $40. Cut to a few days later the morning my Xoom transfer was supposed to hit. I get an email from Xoom saying compliance flagged this transaction and cancelled it. Email so-and-so if I've think it's in error. No explanation. No we need to validate XYZ. Horrible customer service. So I pop back over to Transferwire, enter in the transaction and my fiance gets the money SAME DAY. I was blown away. These guys rock. I'll never use any play from again regardless of rates.

Extremely slow transfer. I started the transfer of my USD to Euros last Monday, it is now the following week in Tuesday and I’ve been in Europe since last Thursday night without having any money in my wise bank account because it’s still in the process of transferring. Luckily I brought an extra bank card that I’m sure I’m getting absolutely destroyed in conversion fees on because I have no choice but to use it since I still can’t use my wise card. With only just a few days left in my trip I’m extremely unsatisfied with this whole process. I would’ve transferred my money a month ago had I known it would take this long and even then I would’ve been unsatisfied with the long process. I’m sure the card is nice to use when the exchange process is complete and you can see how much you’re accurately spending in Euros in each transaction but BEWARE and start your transaction currency exchange several weeks before your trip to avoid what I’m currently going through.

UNACCEPTABLE !!!. When you call their phone number, you get a rep in a foreign country that has very limited ability to do anything !! Basically, they’re just incompetent script readers. They’re technology doesn’t work !! I can’t even get simple “push notifications” on my phone and their own reps confirmed my notifications are set up correctly. And I have a BRAND NEW IPHONE 13 !! So it’s not like I have outdated technology or something ?? Called 3 times over a week and 1/2 requesting their I.T. department reach out to me for help and nothing !! No follow up, no email, and no phone call !! One of their reps didn’t even know that “push notifications” was an option ?!?! Seriously Wise ??? If I can’t get something as SIMPLE as a push notification to work, do you REALLY think I’m going to trust you to hold my money ?? Receive my paycheck ?? Or allow you to transfer money to my bank account overseas ??? DEAR WISE, YOU’RE A JOKE AND A SCAM !!! And no, I’m not going to reach out for help on the app or social media…. I tried that 3 times and YOU FAILED !!! I’m closing my account and making sure that NOBODY opens an account with you !!! 😡😡 You should NOT be in business !!! You need to be shut down !!!

Proceed with caution. Be careful. I tried transferring funds internationally with the ach bank wire transfer option. I was repeatedly denied as it said my bank account wouldn’t allow this transfer, though I had transferred before. So, I decided to use the debit card option and the transfer went through immediately after verification with my bank. So, problem solved right? Wrong! Just got a notification today that my bank account is over drawn over $400. Hmm.. well apparently the transfer went through even though it repeatedly told me it was impossible, which is why I used the debit card option! So now there is a double transfer and I have r to wait weeks before getting my money back from over seas. I’m just lucky I trust the other person who is receiving the money, but it’s still going to take time to get my money back.. Oh but whats even better is that transferwise notified me telling me I need to cover the overdrawn balance soon because if they bank recalls the Payment from transferwise then I’m on the hook for the money from transferwise..?. Oh but at least they gave me a free transfer up to £500 on my next transfer... yeah right!! Transferwise Just really screwed up a lot of stuff with their app and really sent a lot of things I had going on now out of place and now I’m going backwards with other things because I have to cover this over drawn amount. why don’t they get their app right??? Be careful with trusting them..

Almost great. The Wise concept is awesome and they are on the way to something wonderful BUT, be prepared to ask for the bank, account, email and street address for all the people you will send money to. AND know that popular apps will NOT let you copy just the email or address part of a message. ALSO, know that your potential recipients will want to know why you are asking for this information and they will do this while you are copying their information from one app on one screen and pasting into another app on another screen. ALL of this can take an hour if you do it yourself. The recipient could do this in person in a few minutes. Once the recipient is in your app, you can send to them easily and cheaply BUT if you send too many transfers too soon, WISE will quit for several DAYS while it waits for transactions to complete, leaving you with few payment options for the duration of the timeout. WISE will send you a survey about their process. Ask them if they actually use their app on a smartphone with two thumbs.

what service will degrade next month?. I am getting ready to cancel my Transferwize account. as time passes the obvious corporate pressure has caused the system to succumb to degradation after degradation. it started with slowing down the transfers. Direct bank account transfers started to take extra days. wire transfers were instantaneous… then they started to slow down wire transfers but that’s not all. I was delayed additional time because they begin to add fees to US dollar to US dollar transfers. again… The corporate pressure to show increased earnings every quarter but potentially without being able to add customers. so I checked again today two days later the wire transfer has not gone through because the amount was incorrect. I sense this is because they blocked my transfer from completing because they deducted a little money from the transfer and now the transfer amount was wrong! Again this is from US dollars to US dollars. and contacting tech-support went from a breeze to almost impossible. The transfer wise glacier is starting to melt I would jump off before you jump on. with this type of customer service it’s very unlikely they will see the increasing customers needed to justify not charging something else next quarter to pad their earnings.

Better exchange rates and cheaper fees.. I first started using TransferWise a year ago and the experience was ok to say the least. It was difficult to setup a recipient’s account number (my bank is in Mexico, it will be different for your country) and it asked for all kinds of numbers. I finally gave up and stopped using the app. A year later I decided to give it another try and I couldn’t be happier with the experience. I was able to setup the account with a single number. The money was deposited sooner than the original estimated 3 days. I have compared this service to a few others and this is by far the best and cheapest way to send money overseas. I’ve already saved about 25 USD in my first 2 transactions. It might not seem like a lot but over time it does make a difference. The app is so much fun to use, I love that I can use Apple Pay to send money and I only see what I need to see, no more, no less. One thing to keep in mind is that money doesn’t get to your account right away, that’s not an issue for me. If you’re having emergency you may want to use a different service. Again, this will depend on which country you’re sending money to. Kudos to you guys for making TransferWise such a joy to use.

Slow transfer, but was ultimately resolved. In the last few years I had no problems at all transferring many larger amounts than this. Two transfers from the US in earlier April went smoothly in about two days — to 2 separate accounts in Turkey. But then the 3rd transfer took forever and is still in limbo today. The app said on April 19 the money would be transferred (no time mentioned). But the Safari web page on my iPhone said 2 pm local time and then later it said 5 pm that it would be done. The link to my recipient says yet another time — early this morning! I discovered who the culprit was. It was the Turkish bank. They didn’t like one of the words used in my note about the transaction — yet they never contacted the recipient of the money about why they were putting a freeze on the funds. As a result we had to spend another 5 days in the hotel. Trying to close on a property purchase was impossible until we went to one of their branches and explained the transaction. Then they unlocked the funds.

Mistakenly entered wrong email in creating account.. Hi team, I am facing a very strange situation I created Wise account and when I was signing up I missed one digit in my email and completed the whole process. The strange thing is wise don’t ask me at that moment which he had to that I had to verify the email before completing the signup process but anyhow app doesn’t required but when I was again trying to sign in on laptop with my actual email then it didn’t let me through because email address is wrong with wise perspective because I registered with wrong email at that point I realised and check in my wise app setting my email address is different and when I tried to correct it or want to change to my actual email it required verification from previous wrong email address which ofcoarse I can’t do that. So this is a bug you guys have to remove if anyone starts signing up you have to verify their email address before creating their account. Kindly help me ASAP. Thank You

How is this so highly rated?. Maybe they bought all these reviews. This app has been nothing but a disappointment. I’ve only attempted to send money once with this app. This was two weeks ago and it still hasn’t gone through. It’s been extremely difficult to get their support to actually reply to an email and when they have they haven’t provided any info on why it’s taking so long. update: Their developer reply to my review is just as useless. They have no shame trying to shift the blame towards me. They state that they likely didn’t receive my money which is absolutely false. If they didn’t receive my money why did the app state that they had received it and my transfer finally went through three weeks later after I put them on blast on Twitter? Apparently that was the only way to get their attention. They also suggest getting in touch with their support. Which I already stated above I had tried and they took several days to reply. & I had to follow up several times to get the same useless canned replies. While my transfer finally did go through three weeks later, it seemed it was only because I complained publicly on Twitter because their support was so horrendous. I received several twitter DMs from people who said they were experiencing the same thing. I absolutely do not recommend using this app. They very clearly are having problems keeping their operations up and running smoothly.

So far so good!. I downloaded the app a few months ago and I gave up trying to use it or understand it the same day. I didn’t like the ID pic, the SSN, and selfie pic, and trusting what it was all being used for, with scams in 2024. It seemed confusing to me. I recently ended up in a situation where I needed to transfer money and WU, MG, and PP were not working for me. I came back to Wise to figure it out. It was actually a lot more simple that I first thought, but I’m still getting familiar with the app and all that it does. Still working on trusting it, with sending small amounts at first to see what happens. It’s much better than I first thought. Hopefully Wise is my longterm solution for getting money from my homeland to the countries I’m visiting. I sent $3,000 and Wise told me it would take a few hours. It then changed to 2 days, and then changed to 6 days. Misleading informed in my opinion. I would have paid a higher fee for a faster option if I knew that it was going to take 6 days.

Wise is in closed loop and repeating transfers. Wise worked fine until a transfer was mistakenly link to an incorrect bank account. I immediately wired funds to Wise. A day later the transfer was "fixed" and I received email from Wise the transfer was fixed. I removed the link to incorrect bank account from Wise. Then a day later I received notice from my bank that Wise again attempted to debit bank account. Wise then deposited US funds to my Wise account saying since I didn't initiate transfer to my foreign euro account, they deposited funds to my Wise account. Then I received notice the transfer (the one I didn't initiate) needs to be fixed by funding the transfer. Wise put the funds into my Wise account. Customer support is missing in action. Phone line waiting is too long. Emails are answered with automated responses telling me to "fix" transfer. And around and around we go... Meanwhile I can't use Wise because the transfer I didn't initiate needs to be "fixed."

5 days to transfer. At first, your transfers will be fast and same day. Later on, it will consistently take at least 5 days. The money will be out of your bank account on the same day, and will not show up at the end transfer point until after 5 days, even if you are transferring money locally between your local bank and your wise account. Make a transfer from your local bank to your wise account, and that will take at least 5 days, irrespective of when you initiate the transfer (Monday to Friday). During this time window, the money is held at Wise. App is ok if you are a planner, however, it is not practical for instantaneous-needed-to-pay transfers. Note that during your first two/three months of using the app, everything will be lightning fast.

App works well, needs a couple features. I have very few complaints with TransferWise and this app. It generally works as advertised and I have used it for a number of months now with few problems. One glitch is TransferWise’s interface with banks (U.S., at least), which sometimes does not recognize your account has been verified and asks to reverify it by confirming a couple of micro-deposits - a process which can take several days. However, if you cancel the transfer which prompted the request to reverify, then try it again, this has always resulted in a successful transfer on the second attempt for me. Both the app and desktop version of TransferWise also have trouble sometimes dealing with verification questions used by many banks. One additional feature which would be useful for the app (essential, in my opinion, for a 5-star rating) is the ability to download a pdf receipt for a transfer, showing all relevant account information and date/time of the transfer events, as you can from the desktop web site. Despite the above issues, I’m satisfied with my experience and TransferWise is an excellent alternative to international bank wires, especially for smaller amounts.

Excellent if you have bank accounts in different currencies. I’ll speak solely with what I have used Wise for. In my case, I found this app looking for an efficient method to transfer money between my USD and EUR accounts. I live in Spain, but I used to live in the US. I constantly need to transfer USD to EUR for my everyday expenditures here in Spain, but I also need to transfer EUR to USD because of stuff that I still pay with my US credit cards. Wise has been my solution for that. And how magnificent has it been. The interface is great and easy to understand. The pairing with my Bank Accounts was fast and easy. It remembers the previous transactions that I’ve made in case I want to repeat the same amounts, I can do it with just 2 taps. And it ALWAYS gives me the best rates. I often check the current official price of USD to EUR (or viceversa), and Wise’s exchange rate is always extremely close to it. Which is great. It means you save more money. I’ve also had to contact Customer Support once in the 6 months I’ve used Wise, and my experience was great. I really have no complaints in regards to the customer service experience. I called with a problem, and they gave me a solution on the spot in just 15 minutes. Good stuff! I’m very much looking forward to recommend and keep using Wise for currency exchange between my accounts in the foreseeable future! If what you were looking for is a service that allows you to do exactly this, then look no further 👍🏼

Quick and easy. I’ve used the app 6 times over the last 5 months the send money from the US to Thailand. 5 of the 6 times the money was sent within hours of them notifying me they had transferred the money to my account. On the 6th time there was a delay of about 24 hours which is still quite fast. I would like to add that the notification/receipt they send is based on their bank setting up the transfer. However, that bank my still take some time to actually transfer the money. In my case the first 5 transfers happened within an hour or so of the notifications being sent. The delay on the 6th transfer had me initially concerned. I contacted my bank and the transferring bank and both said the transfer could take up to 7 days based on the banks policies. If you don’t see the money right away after you get the notification/receipt it might take a day or two for the transfer to complete. Best regards.

Andrey. Low fees- Basic customer service! 3 days of back and forth emails just to get verified (again). The customer service provided link that didn’t work. A day later they sent another link which also didn’t solve the problem. Another day later, a few more emails… BOOM I was able to upload a pic of my ID. Your representatives did not take the ownership of the problem. Guys, you have a great app (theoretically), it works smoothly till it doesn’t. Maybe you should focus less on low fees and more on how to help people to solve their money problems faster? It’s not like I’m buying a fig tree online and can have a casual email conversation over days about delivery. I am in a foreign country and I’m relaying on your card. Calls from roaming can be costly, Live chat (with humans) is a must! Please, use my case as a case study and educate your people on how to respond efficiently and provide specific information that actually helps to solve the problem. Thank you!

Great customer service. Due to some miscommunication with the people in the other country, my money didn’t come through. And then I was a big slacker and waited about half a year to investigate. But once I contacted customer service at Wise, they responded quickly with very clear instructions. Once I presented the documents, they found my money and got it to me quickly with no issues or hassle. Honestly, some of the best customer service I’ve ever experienced. Also it’s pretty easy to do the transfers yourself on the app if you don’t miscommunicate with your people. I highly recommend this service. It’s fast and affordable and the staff is very kind and helpful. Shout out to my main rep Ataro, who was very prompt and kind. The other staff was good too.

Fees, Fees, Fees!. Update: I had to update my review from a few weeks ago since the fees just kept coming. Apparently when you use a credit card, it’s considered a “cash advance”, so on top of the multiple Wise fees, there’s the $10 transaction fee, plus a “cash advance”. I would have saved money just doing an international wire transfer with a flat rate! (Plus it would have been more trustworthy) Please excuse me while I delete this app for good. Original: The interface is a bit weird as you can’t just select the amount you need to send the recipient. There are a lot of fees on the first page, but when you go to the next page, the method of payment will add another percentage. I chose a credit card for added security, which was the highest percentage at around 1.85%. Additionally my credit card, which is very international- friendly, charged me an additional $10 USD transaction fee for each transaction, regardless of the sent amount. I will continue to look for other methods that are not so costly in the future.

Scam. This company took $10k USD from my account and then closed my account without any explanation and customer service does not answer anything on deactivated accounts according to their joke of a customer service line. Don’t get fooled. This is just a scam company. So now they reply to this review by saying that they will refund my money once they do their ´due diligence’. Why did they not do this due diligence before they took my money. The fact is they did do their due diligence and stole the money. Then you go to their website and it says that they can take up to 90 days to refund the money. So basically, instead of wiring my own money from my account to my other account, they get to keep my cash for three months and I am lucky if I get it back. This is what they have done to all their customers. It is a systematic way. This is the system. This company is the biggest fraud I have personally encountered and hope that people read this review and never use them. I also wish Apple would take this seriously and investigate this fraudulent company.

Money transfer internationally. Moving money around usually brings with it a list of difficulties that you couldn’t appreciate until you were neck deep into the transaction. It seems that the easier they are the more expensive they get. Wise has made a real effort to cut away a lot of difficulty and the cost of transferring money to another country. They are very upfront and transparent about their fee’s and offer a selection of options to complete your transaction. Believe me, I looked into quite a few different companies and although Wise wasn’t the least expensive they were pretty close. There were a few things that made them worth the price, which turned out to be less than I expected. You probably want to ask me what the one thing was that led me to write this positive review? It was when the recipient told me that they received the money almost three days before the approximate delivery date. I was completely satisfied with my experience with Wise and I think you will be too.

Good, should/could be better. I’m a USA-based customer of Wise, have been now for 3 or 4 years, something like that. I have a physical Wise green debit card, and I use it almost exclusively outside the USA, thus far in UK and Australia. I love the Borderless account, I have “buckets” of GBP, AUD, NZD and EUR (in addition to my “home” “bucket” of USD (which is the “bucket” I add funds into from my other USA USD accounts)). Anyway, I’ll rank Wise in general as 7 out of 10, I want to love it 10/10, but it isn’t quite there, I feel I need to carry a “grown up credit card” with me when I travel in case Wise lets me down. In the UK nor in Australia has “chip and PIN” worked. Ever. The transaction goes through, so that’s fine, but it has never asked for a PIN. At best it says “check signature”, but the place of business almost never do, or get so confused with that action that the entire thing gets complicated and embarrassing. I’d like the security of it asking for PIN. Using the “tap” feature worked OK, but seemed hit and miss. But now consistently fails. Apparently I’ve hit a limit. But the app’s “check limits” feature doesn’t work (“oops, something went wrong”), so I’m left a bit disadvantaged here in Australia where the culture is to tap. And in a couple of places the card was denied (“oh, that sometimes happens, especially with overseas cards” — but the entire point is to have a card that seems local, right?). Anyway, seems good, but could/should be better.

About customer service. Costumer service is bad. When you run into trouble, don't expect costumer service to help you with your problem. It has been almost a month since I got into a loop with them - they blocked my money transfers, and ask me to confirm the old address, which cannot be changed in the application settings and where I dont live for a long time. Numerous calls to the costumer service don’t work. They apparently didn’t open the documents, confirming the current address, because the next day after I sent them my utility bills I received an answer : this document is not on our list, send is the utility bill. this is nonsense! And after I called them a couple of times and explained that my current address has been changed, and in the app it cant be changed in the settings, they asked me to send a bank statement with a new address, and after i did that - they responded me that cant confirm my current address, because it doesn’t match with the address in my account, which os old one. Of course it cant! Besides that, the answers come in different languages - sometimes in Ukrainian, sometimes in Russian. It is also impossible to delete the account, since you must first confirm the address. Absurd!

Just keeps getting better and faster!. My son goes to to uni in Scotland and I need to regularly send money to him from the States. This service is awesome. I've been using it for about a year and a half and transfers used to take about three days to complete which was quite acceptable but recently they are just taking about 8-12 hours to complete which it wonderful. Thanks so much for the best money transfer service out there!! Some people claim Bitcoin is better for such money transfers. I totally disagree. TransferWise shows you exactly how much it costs and the other side gets exactly the amount you wanted to send. The small service charge is cheap for the peace of mind you have. Also transfers can be easily proved to the IRS if needed and since I'm transferring money for legitimate reasons from legitimate sources, this is a big plus.

Great app. I use this application to pay my rent in Europe. I am currently living abroad with my family and we have to convert the American dollar to euro. The conversion does it really fast and it uses the current market of the day. Not only does it convert the euro it does all other currencies throughout Europe very easy and fast like converting it to a different bank on the same app. Sometimes when I pay my rent the transfer will take about four business days to clear my bank sometimes it will do it the same day. You can load up currency into euro and keep it there and pay quickly that way I just transfer when I need to depending on if we go vacation to a certain country then I will transfer money to that currency. You can do three ATM withdrawals a month for free. Rad job credit wise!!!!

Used to be Excellent, Now Unreliable. I’ve been using Wise for transfers to Mexico for a couple of years and until recently have been very pleased with them. Transfer usually take a few seconds from clicking send to seeing the deposit in the the Mexican bank account. Until a month ago, I would have rated them 6 out of 5 stars, and I have recommended them to many of my colleagues and friends (a couple of them were even considerate enough to use the link I sent them so I’d get credit). Recently, however, some transfers have taken several days. I’m currently waiting for a deposit that I transferred 10 days ago. Things happen, I understand, but the customer service people at Wise, though friendly, are completely unhelpful. They give me no info on the delayed transfer, and they promise to email me soon with an update, but I never hear from them. I’m switching to a different currency exchange company.

Quick and easy money transfer US-Brazil. I usually transfer money from my bank account here in the US to my bank in Brazil via a wire transfer through my regular bank here. The problem? Hefty fees, often crazy conversion rates, and about a week of waiting until my money arrives there. TransferWise seemed too good to be true, but I downloaded it anyway to try it out, setup everything and transferred some money to my account in Brazil to see how it would work. It was exactly as promised. They told me the exact fees upfront (waaaaaay cheaper than my bank’s wire transfer) as well the conversion rate. In less than 24 hours the money landed at my account in Brazil, with them keeping me informed of every new step along the way. Terrific service. Bye bye bank’s wire transfers. Hello TransferWise!

Wise is one of the worst companies for accessing one’s acct information. The only way you will be able to access some of your acct information is by talking to a Wise customer representative. One example: you cannot tell whether your acct is set up for monthly payments from your app site. You must contact customer service. I spoke for more than 1.5 hours with 4 reps trying to resolve this basic acct issue. You cannot assume your payment has been made without verifying the transactions every month. Because I failed to do so one month, I have had to tie up 25k for an additional nine months. Just try to figure out how to change the date you want to do a monthly transaction! Generally speaking, Wise customer reps are poorly trained. One example of that is they are not trained to SHUT UP and LISTEN when you need to interrupt their explanations. It’s not uncommon for them to continue their explanation after you’ve interrupted. It’s like they are answering from their troubleshooting manual and can’t stop until they’ve finished the manuals explanation.

Problem to verify my account.. So I have this account for a long time. I got married and I don’t have my marriage name on my passaport a couple monthly ago they asked me to verify that. A send my drive licenses with my my actual married name on it after that a got my account working... a couple of days ago I needed send money to my family in another country and for my surprise I couldn’t get it done because they were asking for me to verify my account again. I call them and send my marriege certificate and other documents. So they send me a email telling image quality wasn’t good enough. Ok! I call them AGAIN! and send the files, the person that was in the call told me that the files was good quality and it shouldn’t be a problem anymore. Couple of hours later I got another email saying that they could not verify my account and I should send my documents AGAIN!. Look a don’t know what is going on! It looks you guys are holding the accounts for us not to send money right now. It’s is pretty bad! I need to send money for my family that are in need because what’s going on with this Coronavirus. I don’t see this company is helping us customers go though this. I’m very disappointed.

Exceptionally effective way to manage funds internationally. I did quite a bit of research into money transfer apps and platforms and TransferWise seemed to meet all my needs. I opened a Borderless account and have now used it to make several transactions—moving funds between various onshore accounts and converting between currencies. Unless I’m missing something, the platform, the process and the app all work flawlessly. With just a few clicks my money is moved into my Borderless account in one country, converted from one currency to another, and moved into an external account in a different country. The fees are low and I get the forex spot rate not some 5 or 6 pt spread between buying and selling that pays criminally high broker fees; I’ve saved literally hundreds of USD on one transaction alone. With some platforms you pay more to get an easy process; with others the cost is low but you have to jump through a lot of hoops. TransferWise is that rare situation where the process is easy AND the cost structure is low. I love it, easiest 5-stars I’ve given in a long while.

Best transfer service ever. In many occasion, I’ve tried to send money to relative in Brazil... sometimes successfully but mostly not or long delays... I’ve heard about this from an employee of another company ( competitor) as they could see how desperate I was to find a solution. So I decided to give it a try. Originally they said money was going to be there in 2 days, so I tracked it many time a day with the app ( very easy) and less than 2 days later money was on my relative bank account... what a relief... if I had doubt before, based on my past experience with others ( bank, WU, money gram), now I’m convince... and I’m not talking about saving... this is another very positive element... we get better guaranteed rates and less fees... what can you ask more..... Great tool to have

Disappointing. I used wise for over a year, worked good for me. Until two weeks ago when I received a payment with the concept “Payment Venezuela” and they just shutted down my account and retained all my money because no transaction can be made related to Venezuela. And it’s ok that policy, I get it. But didn’t even ask me for an explanation… I am not doing business related to that country, I work as a freelancer currently living in Italy and the transfer was made from a guy in Spain that has a Instagram page about that country. So I don’t know how am I breaking the rules. But as I said, no explanation was asked. So my account was closed and didn’t even receive an email or a call… nothing. None contacted me to inform me that my balance was closed. I had to call and received the notice that was closed and that I can’t appeal to reopen the balance. At that point I just wanted my money back. But, when I tried to fulfill the file to request my money, it wouldn’t let me. So I sent my info via email two weeks ago and the costumer service lady said that the info (my bank account details) would be forwarded to the proper team and up to date nothing has happened. I’ve sent several emails and no answer has been made. I need my money back and it’s impossible…

Unpredictable and unreliable. I have used Wise for the past 18 months, and its utility has dropped in the past six months or so. Previously, a transfer from the United States to Thailand would be accomplished within hours, and sometimes within minutes. But now, even the most minor transfer takes days. That is so despite the fact that at each step of the transfer process, the Wise app tells me my money should arrive “in seconds.“ But when all the inputs have been made and you actually hit submit, suddenly you are advised that your money will not arrive for two or three days. It’s like a bait and switch. Moreover, for many of us living in other countries, it is important that the money be received as a “foreign funds transfer“ for immigration or visa purposes. But using wise you never know whether the money will be received as a foreign funds transfer or a domestic intra-bank transfer. For both of these reasons, I have tended to use a normal wire transfer from my American bank to send money to Thailand because I just cannot rely on Wise anymore.

Convenient and Transparent International Banking with the Wise Bank App. One of the key benefits of using the Wise bank app is its transparent fee structure. Unlike traditional banks and money transfer services that may charge hidden fees and exchange rate markups, Wise displays the exact exchange rate and fees upfront. This helps users save money and avoid surprises when sending or receiving money. The app is also easy to use, with a simple and intuitive interface that allows users to quickly navigate and perform transactions. Users can easily create a multi-currency account, transfer money, track their transactions, and manage their balances in real-time. Another advantage of the Wise bank app is its security features. The app uses strong encryption and two-factor authentication to ensure that users' personal and financial information is protected. Additionally, Wise is regulated by financial authorities in various countries, providing users with additional peace of mind. Overall, the Wise bank app is a reliable and convenient solution for international money transfers and banking. Its transparent fees, easy-to-use interface, and robust security features make it a popular choice among users. However, as with any financial app or service, it's important to carefully review and understand the terms and conditions before using it.

App quality and results have declined significantly!. I’ve used this app many times over the few years to internationally send money to family- it has always been great until recently. The “mandatory form” required to sign yearly and to every new recipient is from a 3rd party “Exchange4Free,” which takes forever to actually email the form and this results in complications with the transfer, which of late, has resulted in having to cancel transfers. I don’t think these “Wise” and “Exchange4Free” are in proper communication, which makes me think that wise (to maintain its credibility) has no idea how long the forms really take to reach recipients. When contacting wise, their customer service has always been awfully bad- no real interest in assisting clients and no real help whatsoever, leaving you with no option but to cancel transactions. I really enjoyed using this app in the past and hope that major improvements are made as I am very tempted to find a different company for my international transfers. It is supposed to be a “quick and easy” way to send money but has taken weeks, which makes one consider using your actual bank- even their steep fees would be worth the hassle.

Zero transparency, useless money transfer service. If you need to send money abroad, especially to someone in Ukraine who is a war refugee and desperately needs funds to cover basic needs, do not bother to do business with this company. You input all the info, they initiate the transfer, then they decide to verify you without giving any specific reason why, instruct you to look for that info + how to fix it in an email that never arrives, give you unreliable estimates for how long it may take to verify you and then, after a few days of keeping you waiting, they simply cancel the transfer. No reason given whatsoever. Meanwhile your money has been taken out of your account and it will take several business days for it to be returned. Oh, and don’t bother calling because you will grow old waiting on the line. You may be luckier via chat but the representatives will be absolutely useless and will only give you standard answers that they probably copy and paste from some communication manual they’re given. Absolute garbage.

App itself 5 stars Customer Service 1 Star. I do love the wise app and the transparency of the fees and conversions. But i’ve had my card info compromised in Indonesia and I am simply trying to get a new card shipped to me and I am having the hardest time getting help! I get american bank restrictions are tough but I was thinking I could hopefully work with a representative to get a new card sent to me or atleast come up with a solution like getting a new virtual card as I’ve trusted wise and put most my money into this account. But it doesn’t seem like much of an issue to come up with a solutions to the reps. I’ve emailed with 3 different people and they’re all giving me bot like answers. I have real money in this account and I want to talk to a real person about my real problem. All I need is a new card sent out to me so this person stops trying my card and so I don’t have to loose sleep freezing/unfreezing my card. I will come back and change my review if I get the simple assistance I am yearning to receive.

Incompetent customer service. They do not provide the basic level of customer service one would expect of a financial institution. They do things like repeatedly request the same KYC over and over. You provide it, they accept it and soon thereafter they request it again. This is for the principals, for the same monthly payments, etc. It has potential but they need to fix their basic service levels. To be clear this isn’t an unwillingness or inability to provide proper documentation. It is having to provide the exact same documentation over and over and to be treated poorly each time by the their team. Until they fix these basic steps, it’s not viable as a business account. You are never confident you can receive or make payments in a reasonably timely fashion. Update: wise has opted to responded with a standard response around KYC requirements, which highlights my point of their customer service. There is no issue with requiring KYC (it’s a good thing), the issue is repeatedly requesting the same documentation over short periods of time.

STAY FAR AWAY.. where do I even begin with this app? I used them for almost 3 years with no issues until recently. Somehow my information got leaked and so I asked to close my account. I was in the middle of a transfer so obviously that didn’t go through so what would you expect next? To get your money refunded back to you, however it has now been almost a week and I have not received my money. I chatted with their “customer service” multiple times, sent many different forms of Identification to prove it was me as well as the statements from my bank showing that they sent the transfer to Wise and yet it’s not enough for them? They also take forever to respond if you send them an email. Their phone service hours are impossible if you live in a different country so you can’t call them. I ask for them to call me and they can’t even give me a specific time on when they will. Absolutely horrendous customer service. I threatened to bring my lawyer into this because it’s a huge sum of money. Once I get it back I’m NEVER using this app again and I have told all my friends abroad who were using it to quit ASAP.

The apple app glitched and charged my first card. So I clicked Apple Pay and the screen glitched and it literally charged my first card which was a credit card. I did notify a representative and he told me it’s possible that I could incur a fee but why should I. The fee is from a US bank but not them. I am disputing this as this wasn’t the card I wanted and it never let me scroll my cards. Charges have been incurred due to a cash advance fee. I refuse to pay the cash advance fee. I would get someone to look at the Apple app feature even thou I would never ever use it again. Other than that everything else seems to work fine. I just connect my card directly now. Now for the app and the service of TransferWise I think it’s great and even thou It started on the wrong foot, I think the idea and the service is wonderful. I spoke to Alan and he walked me through everything and made feel very comfortable. Don’t take my three stars as for the service which is 5 stars but take the 3 stars for app. The Apple Pay option made me real nervous.

Efficiency of TransferWise. I’ve availed TransferWise service for several years now and had great results. Although recently I had an unusually untimely transfer (4 days). In addition I was a bit confused by the overly long estimated time conveyed by TransferWise on a subsequent transfer (6 days) but after submitting the transfer and to my surprise I received the funds in less than two hours, which is about the speed in which I normally receive the funds. I want to clarify my previously poor feedback toward TransferWise. The service I have received is for the most part Great! My only complaint is the recent estimate for the completed transfer. I understand your companies position that it would be better to over estimate the transfer timeframe and deliver the funds earlier than proposed, and I’m trying to wrap my head around that logic because that works great for most people I’m sure. But... in my situation an estimate of 6 days for a Debit/ACH transfer leaves me wanting to initiate my transfer 5 days early, but If the transfer completes in only a few hours it then creates another issue with my billing cycle at my bank and fees. Overall I rate your service as highly recommended. I will just have to cross my fingers and hope the funds arrive as they have in the past. Thank you, Lon

Invaluable Tool for Anyone Moving Money Internationally. I waited for nearly 6 months before writing this review to be sure I was 100% satisfied with Transferwise. I move money from London to Mexico, and from London to USA on a monthly basis. I’m a remote worker who lives between Mexico and the US but work for a London-based company and therefore am paid from London. I use Transferwise (and the London-based account that I’ve setup via Transferwise) to accept my direct deposit and then move my money to my accounts in Mexico or the US, depending on where I am at any given time. This app works rather flawlessly and it has insanely fast times - faster than a normal bank-to-bank transfer at a very, VERY reasonable cost. This app allows me to send money to any of my accounts to ensure I have money to spend, money in savings, and money in other accounts which I use for bill-pay. This is an excellent tool that I cannot recommend enough. I’ve had no problems whatsoever and when I called customer service once to inquire about certain types of transfers, they were extremely transparent and down-to-earth. If you need to transfer money between countries - whether to yourself or others, this is a must-have app. Thanks again, your service is cost-effective and highly valuable to me. A great tool that I cannot say enough about.

Amazing. Half of my family lives in Switzerland so as banking services leapt ahead with technology, it was frustrating to see international money transfers stay in the 1990s during the Age of Venmo. $35 wire transfer fees? No thanks. Visiting a branch? Yeah, how about no. Paying crazy fees for currency conversion when sending money? Outrageous. Downloaded Wise and holy cow, my wishes were granted. It’s easy! It saves your info. The transfers are fast. It notifies you all along the process. The fees are a fraction of my old wire transfer days… usually under $10. It was actually so easy that I legit thought I was doing something wrong and sent a small amount as a test and was surprised it actually showed up. Since then, I’ve transferred to various accounts for my family overseas in small amounts and larger amounts and it’s never been anything besides great.

Excellent Tool to Eliminate Bank Fees. As a regular remitter, TransferWise takes care of two common grievances: fees and, if needed, communication with the wire transfer back-office. Using TransferWise, neither delivering nor receiving bank charges a fee. This is particularly valuable when dealing with a small bank that uses a bigger bank as an intermediary. Typically, the small bank offers you - the customer - all kind of free services, but the bigger intermediary bank, which doesn't know or care about you, slams you with fees. TransferWise is both sending and receiving "financial institution" and eliminates the bank fee nonsense. My saving per transfer (not counting the exchange rate) is a whopping 93%. If there is a problem, one can speak with a service rep - in effect someone in the wire back-office - which is impossible in the banking world.

Amazing , simple , efficient & friendly. So, I’ve been looking for an easier way to transfer my funds from my Canadian account over to my US bank account. I some how stumbled across this app and my god, was it such a quick and painless transfer , it costed me around 41 CAD to get 30 USD , which is amazing, money saver for sure, and it only took a few business days! I also ended up messing up my bank details, which I contact the customer support via email, and they switched the information for me THAT DAY! I’m literally not joking when I say that this app is a life saver, thank you SO much for the easy transfer , and I will be sure to refer as many people to this app if they are in a pickle about transferring money over seas. Once again, thank you so very much TransferWISE 😍

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Very slow response. I sent money on Aug 4th and until today Aug 19th, the money has not arrived yet. I have been contacting Wise many times but the explanation is normative, its bank partner is doing regulatory check. I needed to send the same amount of money via a conventional bank after waiting for a long time Wise to process my transfer. I did it on 16th and the money arrived on 17th. Yes, I paid more using bank services but less headache. Now, I am waiting for Wise to finish my transaction so I can have the recipient to send my money back to me. Eventually I paid twice bank fees, once Wise fees, a very long time wait and headache and stressful. If you would like the same experience, use Wise

Outstanding app that meets a commercial gap. This app/system was referred to me by a friend to regularly transfer some money to an Indonesian family. My bank(s) required a fee that was 60% of the given amount as well as unknown amount/fee from Intermediary bank... this was not viable! TransferWise offers transfer at 2% of given amount with a tracking/monitoring system that provides assurance. 1 day transfer compared to 7-10 working days. Outstanding responsiveness, ease of use & versatility. Congratulations on keeping it real & accessible to everyone! Mark

Hopeless. Wise and it’s functionality has been advertised extensively on Australia TV recently. It promised to be much more flexible than the app I had been using to transfer money before so I signed up. After taking all my details including copy of my drivers licence I tried a small transfer to it out. After several delays it took about four days. Hoping this was only a first off delay while they checked my details I tried again. Another relatively small transfer for a relatives medical expenses, I still encountered several delays despite the app promising the transfer in minutes. After four more days I was told that the transfer was cancelled even though wise had received my money. Then my account was deactivated, no reason given. Fortunately my money was refunded. Is this app a scam to get my personal details? I hope they have deleted my personal info. Bye bye Wise back to WorldRemit whom I have used many times previously with no problems and almost instantaneous transfers.

Reliable and trustworthy.. I stay overseas and have been using this app over the last few years to make secure transfers to my family back home. Absolutely endorse it for anyone looking for a great secure way to transfer your hard earned money. Low transfer fees, quick and efficient transfers with email confirmations through the journey of the money from sender to receiver. Very reliable and easy with great transfer rates. Thank you to the transfer wise team 🙏🏻.

Excellent App. I’ve used this for Travel in Thailand and Vietnam.. Transfer money from your bank account into whatever currency you desire. Transfers take around 5 minutes to complete or less. I put my Wise Card into any ATM overseas and local currency is given. So easy to use. Better than taking a credit card or any Travel Card issued by the big banks that are usually hidden with many charges. Even gives you the option to add a digital card on Apple Pay which is super handy. Love this app. I’ll keep using it and hopefully they don’t increase the rates and withdrawal fees!

Transferring money in China is awesome. I used to have to go to a atm to transfer money and it was nothing but a headache and expensive. Also since the banking issue here in China actually finding a bank that cash is near impossible sometimes making it hard to live. Then I accidentally found this app……… and I love it. It’s easy to use, fast and simple. It allows me to transfer money to my Chinese account is simple and very cheap compared to my earlier ways. It’s easier than my international transfer account with my bank. It allows me to pay Alipay, WeChat etc and that is amazing. Thank you guys. Keep up the good work!!

A fair go for everyone. We discovered Wise (TransferWise) a number of years ago to avoid massive conversion rates when travelling overseas. They provide the mid-market rate and a small fee to make the exchange. The banks rate is generally 4% below the mid-market rate, and then during the exchange they charge 8% of the amount changed. On one trip to the UK I had to move an additional £500 (GBP). When I compared the rate to what I would have paid via my bank, I saved £72 (GBP). The banks like you to think that they’re helping their customers when they’re helping themselves. I now use wise for all international conversions, including all online purchases in GBP, EUR, or USD. They show all the exact charges which are very small. They even explain on their website the best way to use your card when travelling to avoid additional fees and charges. I highly recommend them to anyone; traveller or not. Keep up the good work folks.

Reliable. Have used TransferWise many times and on each occasion, sending money has been simple and quick! There is a limit to how much you can send and that works out fine. With other Remit Apps if you send over $10k AUS you can get caught up with filling a ton of forms for security purposes and your money can be tied up for a week! Also if you need support TransferWise is quick to get in touch with you. No, doubt TW is a touch more expensive than a couple of Remit Apps I use but if you want to make sure your money gets to the other persons account then TW is reliable!

Excellent service. I have been using TransferWise every month for overseas bill payment and they always provide me excellent service! The exchange rate is very competitive, the transfer is made easy and quick, and when I had to reach out for any kind of request/issue, they gave me prompt reply with solutions. But what actually encouraged me to write this review is for what happened last week. By mistake, I had transferred more than I intended to, and didn’t even notice. 2 days later, I’ve received an unexpected deposit and found out it was the difference for what I’ve paid for. I know it might sound that it’s something any decent human being would do, but they’ve done it so honestly and smoothly that I felt very valued as a client and had to share my satisfaction with their service. Thank you for this incredible service and keep up the beautiful work! ✨

Buyer beware.. The app works fine, but the transfers using SWIFT involve hidden costs which are deducted from the receiver’s amount. Despite the unambiguous in-app statement made twice during a recent transfer that “Mr. X will receive exactly $110,” Mr. X in fact received $81. The remainder disappeared in mysterious ‘intermediary bank fees’, which TW claims they make clear in the app. Which is not true: the statement regarding intermediary fees is vague and ambiguous, and follows the above promise, which is totally unambiguous. I can only think of one way of interpreting the statement “Mr. X will receive exactly $110,” but TW claims there is another, less salubrious interpretation. Where they studied logic, and the philosophy of language, I don’t know, but they clearly didn’t learn much of either. To be fare, all my previous dealings with TransferWise have been simple and fast, with low fees, and worked as promised. Email and phone correspondence with the company over this issue has been pitifully inadequate. BE CAREFUL, because their vague statement about intermediary fees actually means, “when we say “X will receive exactly $X,” what we mean is, he may or may not... we don’t know what we’re doing, we don’t mind breaking promises, and we take no responsibility for it. But we’ll happily take your initial transfer fees, and deduct all the extra unknown fees from the recipient. Thanks, sucker.” See you in court, TW.

My Defacto For Travel. I won’t use anything else moving forward as Wise has me covered. I can fund multiple currencies with instant bank transfers so funds are available in less than 5 mins. Wise also issues a physical debit card that I can use to withdraw cash locally as well as integrate through Apple Pay for PayWave enabled terminals. Every time I transact from one of my currencies I am instantly advised of the transaction amount and remaining foreign currency balance. All of this at forex broker rates for currency exchange absolutely blowing the banks out of the water. Absolutely recommended - indispensable travel application for me.

Very easy to manage/send money internationally. Great app, really easy to transfer money internationally. Having the card to spend in the currency you are travelling to is an added bonus! Makes things a lot easier! Only thing I would ask if we could add is alerts/notifications. If this is already possible please let me know how i could turn this on. I’d like to watch certain currencies in order to get better rates before transferring. Thank you!

Don’t be fooled. Transferwise advertises portraying itself as ‘different’ when in reality it’s just another currency exchange service that may save you a bit of money on the transfer but will skin you on their borderless account and will play the same tricks big banks play when transferring your money.. such as misplacing your funds for a few days so they can do the short term money market with clients funds.. Don’t be fooled! I was and I set up a withdrawal from my business borderless account on Thursday afternoon only to have the money go missing till Friday late in the afternoon.. I rang in three times to enquire and on the first time I was told ‘sorry’ it would take 20 min but an hour and a half later nothing so I rang again and was told there was a tech issue but no one could elaborate and this went in for another whole day until finally the money was ‘released’ late on a Friday but of course by then it was not going to show up until Tuesday the following week.. And this was a withdrawal of my own funds!.. At no time was I given a proper explanation of any kind - but I was left without access to said funds for 5 days.. Do yourself a favour and skip the transferwise borderless account - just like a dinosaur bank it will sting you with fees and your money will go missing for days and all you’ll get in return is a shrug of their shoulders. I gave it one star because there’s no half star rating.

Made a “Wise” decision. I have been using wise for nearly 4 years now. I started using it as a student when I came to Australia. I’ve tried multiple platforms before wise but none of them were neither simple nor easy. I used their card to make payments when I travelled to other countries and most of the times it works without any issues. It only failed a multiple times where the eftpos didn’t recognise the card so beware of that. Carry cash with you when travelling to different countries. Apart from that, sending and receiving money is lightening quick. Sometimes it may take a while if the receiver is new. One time I entered the bank number wrong and it took a couple days for the money to credit back. Overall, it’s a great product. And one of the best platforms with least charges out there.

Wise ate my money?. I made a USD transfer of X amount but I received 15$ less, when I asked them they told me I made a fixed source payment which was not true. Hello? I’ve never heard of the fixed source payment! How could I initiated that. Months ago I made a USD 100 transfer from the same bank account to the same bank account, that was correct Wise didn’t say that transaction was a fixed source payment, but this time I transfer much more and it’s been a week I still didn’t get an answer where the 15$ went to.

Room for Improvement. To be honest, I absolutely love Wise and enjoyed the service provided and the ease of the process. However, I was extremely disappointed with their lack of involvement and support when faced with troubles overseas. My friends and I, had planned an overseas trip months in advance. For months, we transferred and converted money diligently on high exchange rate days, looking forward to our travel. Upon arrival, out of the three of us, one of my friends cards did not work. When using, it kept getting declined, saying ‘contact bank’. When urgently contacted, all Wise rep said was ‘this happens, we can’t do anything’. My friend was luckily travelling with company but otherwise would’ve been stuck overseas with no money at all! I can’t hide the disappointment when something like this happens on 1/3 occasion, the team won’t do anything. Obviously besides this, the card and app has been extremely well designed and easy to use. I hope that they would be able to resolve the situation or at least have a better plan when their cards get declined overseas. I will more than happily change my review when that happens.

DO NOT USE. We chose to use Wise as our primary source of access to money while overseas for 2 months. It was great until a business accidentally charged us twice for a large purchase and immediately they reversed the second charge but Wise did not release the funds back to us they have in their fine print that any pending funds must remain with them for a 30 day period before releasing the funds. Very lucky I’m a planner and had a second option to access money while overseas to continue our travels. I’ve been on the phone and written numerous emails to resolve this issue and Wise keep changing the rules each time we provide the evidence they request to have the money released. Do not use these guys or very least make sure you have another option in case this happens to you. We are still trying to get back our funds in excess of $2000 AU.

Very poor response. I sent a big sum of money on the 26th of May 2022 from Australia and until today 19 of June 2022 Transferwise hasn’t been able to assure the money has been deposited correctly to the American Bank I sent the money to, they want me to contact the bank in America to ask if the transaction has been successful? I paid a lot of money to them to do this transaction and their response has been very poor, no information provided to me while in the process of waiting or explain why they were holding my money for so long, their responses were their bank in America needed to verify some information but no being able to explain to me what information exactly.

Rate. Overall this app is super easy to use and I like the approval feature it’s made transferring money and online purchases so easy while I travel. Wish it had more currencies - I like that it will also take from existing other balances if I don’t have the specific currency ! Only thing I don’t like is the currency exchange amounts Revolut don’t charge me to exchange from my home currency to others and I have more free withdrawals than wise gives me so I tend to avoid using it for ATMs unless I really have to

Wow!! Why can’t my bank be like Wise?. WOW… JUST …WOW!!! Having recently bought on an overseas vendor I needed to set up a way to easily pay them for their goods and services. Checking exchange rates and then looking to transfer through my bank, not only were they charging a large fee, but the exchange rate they were using to convert was also highly leveraged in their favour. A quick Google search for the best ways to send money I came across Wise. Some further searches confirmed their validity so I went ahead. Account set up was easy and done in just minutes. Transferring money into my Wise account took just seconds and they’re using the actual exchange rate for my OS payment with just a simple and justifiable fee. I’ve saved over a thousand dollars using Wise instead of my bank (Westpac) on just this one transaction. I’m impressed and will no doubt save thousands each year using Wise for my OS payments. To top it off they’re supplying a business Visa I can use when travelling in over 150 countries and avoid more expensive bank conversion fees. But wait there was more. An extremely simple set up with Xero will make keeping our books as simple as possible too. Why can’t my Bank be like Wise?

If you like to put your hard earned money where you can’t access them then choose Wise.. Sending money to wise account is easy and fast but good luck with getting your money back from them. It takes days and weeks. Therefore, if you expect a way to transfer money to your bank account fast and convenient , you’re going to regret choosing this app. Their team is unprofessional and not helpful at all and they refuse to communicate with customers regards to issues with their app. I’ve rarely leave reviews online but the process of getting my money from Wise account back to my bank account is so bad and frustrating that I feel the need to warn people about them.

Fast and huge savings! Best app ever!. Setting up accounts in many currencies was automatic, set up in seconds! Loved the fact that I didn’t need to have all the frills of an account that are normally needed in the big banks too like a social security number in the US. It was able to borough my identify almost straight away too so I had many accounts ready in many currencies. Sending money into my account from my normal bank took a few hours the first time so done faster than ANY bank I have ever banked with and many days faster than sending money internationally! Also WAY cheaper than PayPal or Western Union. I highly recommend this app!

Ok when it works. I have found transferwise to be very useful when it works, unfortunately this service doesn’t work all the time, often transfers are blocked and suspended for a variety of reasons and getting straight answers from the app can prove to be difficult, they are also very slow to respond with their explanations of why transfers have been suspended or blocked, furthermore, even after you meet there requirements and send whatever information they requested they still are extremely slow to free up the suspended funds and sometimes even ask for additional information. Transferwise is a good application if you plan to send money just one time but if you want to send money more frequently than this then I would not recommend this app.

I’m a traveller, & haven’t had 1 good experience with them.. It’s like I’m their first human being they’ve ever experienced travel overseas. I live between Australia, Indonesia, & now Israel. I have a different phone numbers in those countries. I’m surely not the first person to do this. Twice now I’ve submitted my photo with my ID in my hand. I’ve sent multiple emails. This has been back & forth since April. My partner uses Wise, is the only reason I’ve hounded this so relentlessly. Otherwise I’d have boycotted this business months ago for the amount of time it’s wasted. On two business deals it could have helped smooth things so easily, instead, it hindered me & made me mess around an Indonesian business partner. I literally don’t know what to do anymore other than to leave a bad review & let you all know that I wouldn’t bother with them.

Best FX App for private or business. I’ve used Wise for several years now and the App is easy to use, covers all the currencies I need and offers both mobile use and a debit card. I’ve tried several other Apps but these are all connected to either a Bank , financial institution, credit card or a travel company. Wise has excellent FX rates, easy to use and transactions are almost instant. I’ve started to also use for business. Great App.

Secure, User friendly, competitive. The conversion rates offered, the variety of transfer options offered allow the sender to decide the cheapest transfer option to wire money as long as the money does not have to be credited in the destination account immediately! I’ve had smooth experiences so far and I have shifted to TransferWise from Western Union after multiple glitches in their system not creating a ticket for my transaction causing me headaches and delays! I’m usually not in a hurry to credit money by a deadline so I’m willing to wait 2 days and I recommend TransferWise.

App BUG!. Not at all happy with the new app. I have sent messages twice now to “support” and they can’t fix it! There is a big problem with the new Wise App. Each time, after I complete a transfer, when I press “share with recipient” the screen freezes. There is nothing I can do except for completely close out of the Wise App and start again. With the old App, I pressed “share with recipient” and it would bring me to the screen where I could choose from email, text message, WhatsApp etc then I could choose how to share the transfer payment. But with the new upgraded App, it freezes every single time and I can’t share it that way - which is super annoying. Yes, I have made sure that I have the most updated Wise Application installed and I have turned my iPhone 11 Pro Max off and on again and it still doesn’t fix the problem. Please help!

Referral Reward Is Total BS. For years, I used and recommended this app to my friends and family.. they said when you got 3 other referred ppl joining and using this app, we’ll get money reward.. but even after I got 4-5 successful referred ppl using it, nothing happened - even after months.. when I remembered about it, I asked their customer service. Not only did I get unhelpful and slow reply.. their reason for not giving the reward is very appalling and don’t make sense. They said that I’ve invited the same person more than once. Hello? Not only I never did that, and if by any chance that accidentally happened.. would it not be able to happen because you have the process of verification to make sure one person only have one account? Anyway that is totally ridiculous reason to get away from giving the rewards they said they were going to give. Rock on Transferwise, would not recommend you guys anymore to anyone with this kind of terrible customer service - no service at all 👎🏼 Sorry, I rarely gave bad reviews to anything even though I was not having a good experiences, be it for products or services - but this I think is unfair and doesn’t make any sense thus I wanna warn other ppl so they’re not getting into this referral trap of yours 🙏🏼

Outstanding money transfer experience.. If you’re not using Wise to transfer money internationally then you should be. I spent years using my Aus bank to transfer money to Spain and it was an expensive exercise. Wise is by far the cheapest way I have found to send money overseas. It only costs about $1.50 and I get a better exchange rate than my bank. Wish I’d done it earlier but I was a bit worried the money wouldn’t get there!!! Every time within 2 days and sometimes as quickly as an hour or two depending on the day of the week. Great service!

Used to be good. I am not sure what’s happening but this app used to be perfect. Three or four clicks and the money was on its way. The good old days... but now, nothing in the app is consistent. For years I transferred funds every month from my Bank of America USD account to my Australian AUD account without a hitch. Now when I try a transfer, instead of pulling the funds out of my Bank Of America account automatically (like before) I get a message telling me I must “send” funds manually (old way) from my bank to another bank account owned by TransferWise. Then, after I finish that transaction, they instruct me to go back to the TransferWise app to continue with my transfer. Holy Moly this is worse than the old way. The worse point is that the fees are increased from the previous $11 or $12 to $24 or $25 so, the process is now more cumbersome and cost twice as much. Ironically my banks now have reduced their fees (if I use their online transfer app) so the TransferWise advantage is GONE. I am sure that Sir Richard Branson (an early investor) must be very disappointed in this team !!

Great service!!!. Good app for travelling as can add unlimited virtual debit cards and set up numerous foreign currency accounts (no forex rate rip offs either, they give you the best rate they can). Debit cards can be added to Apple Pay as well, haven’t seen any fees on international transactions yet. Adding money is easy but make sure it comes from your own account as they have strict anti money laundering systems in place (can also fund via Apple Pay with a tiny fee). Highly recommend! 5/5

transferring money takes months. I transferred money using wise. they asked for additional documentation which i provided. after 2 weeks of waiting they then cancelled the transfer with no explanation! i attempted to transfer some money again, it was again cancelled. It’s been over a week now and i’m still waiting for my refund. The helpline will not help you in these situations. At the same time i was able to do 2 other successful transfers. There is no explanation why 2 transfers were able to go through using the exact same method and accounts and 2 were cancelled. Furthermore no explanation as to why it is taking over two times the advised time frame for a refund. If you need your money transferred in under 1-2month i would not recommend this app. They will mess you around, there will be no explanation and there is no recourse.

Excellent way to transfer and great exchange rate. I live in Australia and work for a US company. They pay me via pay pal in US. I transfer the US$ straight to my TransferWise account and I get a much better exchange rate through this app. Also great staff who talked me through how to set up various currency accounts, which was handy when I thought I was going on an overseas trip this year because you can get a debit card directly linked which can be used in different countries. Hopefully I will get to use the travel card soon. I had highly recommend and happy to help anyone that needs to set it up.

Not as good as it use to be.. Higher charges and the changes made make it less easy to use. Cancelling a transfer use to be easy and instant, not any more. I just had a weird transfer of funds I didn’t do, before the changes I could’ve easily cancelled this as I caught it quickly, it was still pending, cancelling now is not instant anymore so by the time they read my email I now have to send the money would be transferred so I had to block my card whereas before I could just stop the transfer and even if money was paid out I’d get it back asap. Not anymore. I’ve now spent ages in my bs k trying to fix what was once an easy fix, I need to unblock my card. It was a temporary block . Much preferred the old wise set up.

Improve money tracking technology.. It took 10 days for my brother to send me money from Canada to Australia. After 2 days we both received email saying money has been transferred but I didn’t received it. After 7-8 days of calling them daily asking about money everyone from wise had different answers. No one really know what was happening. Someone was saying ask the bank, other was like we(Wise) have your money some checks are going on, one said send us your Id we need to verify your account and many more random things. After 10 days of stress I finally received it. I have never been so tensed in my life. I wasn’t able to work properly. I was very happy with this app before but with my last experience I am simply uninstalling the app and would just go with banks for the transfer as they can at least answer my questions and I can track my money.

I use Wise monthly if not more. This IS THE best and only way to send money overseas to my family without getting ripped off by the banks and other means ie: banks, western union, etc. Exchange rates are the best, fees are the lowest, You pay less, Your family gets more. I love you guys for creating this as after 20 + years of transferring money overseas it is Heaven sent. Many friends use it and I tell all people in my situation to use it, overseas company’s use it to pay saleries to their employees. BRILLIANT, This Is the answer you have been looking for for decades.

Amazing Service, almost perfect app. TransferWise is an amazing and super simple service for converting money to different currencies and the borderless account is fantastic for me to receive payments from abroad. I just got my debit MasterCard too and it's a game-changer. No more paying exorbitant fees for paying in different currencies while I'm traveling. The blog is great for getting info on rules and regulations for transfers and payments abroad. One small improvement to the app could be that transfers are displayed under each currency that I hold in my account but it's definitely not a deal-breaker.

Highly recommend!!. I have been using TransferWise for over 4 years now. Their service is flawless and allows the flexibility to wait for improvements in exchange rates before you execute your transfer. I have saved a lot of money in bank fees and exchange rates with always timely delivery and not a single transaction issue. I had to go into their office in person when i first started using the service. Not sure if this is still required. App itself can be improved a bit - but it delivers.

Simple and easy to use.. The Wise app makes it easy to transfer money to friends overseas. While it seems to have some scaling issues on the iPad Pro 2021 (base model, not the 12.7” one) and can be glitchy if you rotate the device to landscape while you’re viewing a transaction, it’s very handy. The services Wise offers are also great, and the fact that they’re honest about them is a cherry on top of the cake. Definitely easier to use than website version on iOS mobile devices.

It works. I have used the app for the last twelve months and only once has it taken more than 24 hours, that is quite impressive. It seems to be updated every week though I have never noticed any major change in use, overall easy to use, I like. December 2019 Still continues to be my preferred method to transfer funds every month , it works. June 2020 has continued to work without problems. October 2021, still using the app., it works and has now got amazingly fast between Australia and Thailand. March 2022, still using app. it’s now extremely fast between Australia and Thailand, transfers usually take less than two minutes even on weekends.

Complete within 30 minutes or the rate changes. Excellent app, easy to use and self explanatory. I’ve used Transferwise twice now and they are a lot cheaper than using your bank. The 24 hour guaranteed rate is fixed, however, if you get stuck on a section of the transfer for more than 30 minutes (like if your bank delay sending money for 6 hours because they want proof of identity, two copies of your signature, a dna test and your complete family tree dating back to 1665...yes you Co-operative Bank UK) the rate will change to whatever the average rate is when Transferwise receive the money.

A little disappointed. Experienced difficulties using the eftpos facility on numerous occasions in Tokyo. Tried sending a message to staff but they were too busy to respond. The only help I received was the “most common questions” section which told me that the error message would be displayed on the eftpos terminal. Since the message was in Japan this was difficult for me to resolve. Fortunately I had cash and was able to pay but otherwise it would have been very embarrassing. Interestingly my card worked to withdraw cash from the atm. So I wondered if this was a ploy to get me to withdraw from the atm and incur further fees. Next time I travel I will consider other alternatives to avoid the same problem.

Change of USD account details with little notice. We have had an Australian business account with Wise for about a year. We moved from Citibank after they closed their foreign currency accounts in Australia.

 We have just been informed by Wise that they have changed our USD account details and we have 11 business days to inform our business partners of this change, after which Wise will send back any USD sent to our old account details. 

For a small business dealing with large multinational clients this is not nearly enough notice. It will take us months to get our account details changed with our clients because we are not a priority for them, and they will continue to send USD to our old USD account in the meantime. Then we will have to chase up payments which have been sent back to them by Wise which will take many more months. 

 While all of this is happening we will be running low (or running out) of our cash balances.

 The email we received from Wise said they were sorry for the inconvenience. They have no idea of the mess they have just put us in.

Super wasy, fast and reasonable fees. App payment options don't show fees. I tried to switch because of an offer for another app. After my sign up experience and talking to the competion's contact centre I say screw the bonus credit and stick to TransferWise. Once setup it is so quick to select the recipient and payment method. And the money is on the way. Even with a better rate at the competition I'm not changing (yet). Money always arrived earlier than predicted, eg 1day instead of 2. Edit: disappointed when I used the app for my last transfer. The payment options were different than the ones in the web version. It doesn't warn you which one will incur fees. Thinking "cool I can use my credit card and pay via my apple wallet" it actually charged me fees twice. I was charged $25 by my bank and almost $7 by TransferWise. Very disappointed to say the least.

I Fear Technology controlling my Money BUT, this is awesome. Like most over 50 year olds, money in your hand is real - Yes so being concerned over technology controls of finance is NOT second nature. My son moved ALL his money from Australia to UK using this APP! I was concerned BUT I have since used it 3 times now with the Last LumpSUM causing a Large Lump in my throat. I'm in awe that I booked the transfer on Friday afternoon after work Aus time, and have just had the completion into my UK Bank at 02:34 Aus Monday morning. Yes was up waiting, with lump unfounded, can not feel so satisfied with such an easy Click of buttons. Thank you TransferWise for saving me from slow banks over charging fees at poor exchange rates. Don't give them your hard earned Dosh!

They stole $8000. Do not under any circumstances use this “service” We are a reputable business employing ‘22 staff in Brisbane Australia. We setup ‘wise” in November 2021 and used it to pay our suppliers, contractors, software subscriptions and social media advertising; around 80 recipients over the course of a month, with around 200 transactions. First we hit an undisclosed and unreasonable limit for the account that made the service useless as it basically froze our funds for 9 days prior to the end of the month, the limit was $50k spending in total per month. This left our suppliers waiting for payment and ceased our social media advertising until we could switch to a real bank card. Quite an administrative nightmare. Then suddenly and with no warning on 1st December 2021, this terrible excuse for a bank closed our account, withheld the statements and worst of all, only partially refunded the funds in our account. They have apparently misplaced $8000… 18 emails to customer service and they claim to still be investigating, it’s now the 2nd of January 2022, and we’re still missing $8000. You may not have a business that spends as much by credit cards as us, but consider whether you can risk losing everything in your “account”? Their customer service is by email only, nobody to call, no Australian based rules, just a seemingly completely unaccountable offshore pretend bank. Do not rely on their service for anything!

Happy user. I love the multiplicity of currency. Yeah there could be delays sometimes, but that’s how they make their money. Just understand that you have to be patient when you transfer money. There are no set time frame for the transfer to go through, while they speculate, it may take longer/shorter time for the transfer to go through, but they will always update you. I have used TransferWise several times, I have only once queried a transfer, then I got an automated email that it will take up to 2 days to get a reply, but About an hour later I got a reply explaining how it works. So don’t always take the automated estimate as the yardstick to measure the timing, if the purpose for the transfer is not that urgent, be pretty sure that you can rely on them. The exchange is pretty close to what you get on google and currency converter, Low transfer fees, you can already tell exactly what the recipient gets, the app is easy to use. I will add the remaining star pretty soon when you treat me as VIP. Lol😂👍🏾

Borderless transfer does not work. The latest update says it works for borderless account but that’s not the case for me. I contacted the support email, they said it “sometimes” doesn’t work. I’ve tried many times in last few days, but it consistently fails, no “sometimes” about it. Meantime I’ve lost more than $100 because of a decline in FX rate..... more than the purported saving in bank fees. In short, don’t try to use this app if you want to lock the rate, which is one of the few benefits anyway of the “borderless” account ( which is also not really so “borderless” as described by the way). Also the app appears to have no link to live chat.

Slow - beware. I sent some money to my TW account from my European business in Ireland to my Australian personal account. They received the money but held the transfer and asked me a completely nonsense question: ‘what is your relationship with certain Australian politician who happens to have the same surname as me’. I replied ‘no relationship’ and explained the purpose and origin of the transfer. Also emailed them and called. At each stage I was told it will be resolved within two days. It was not. TW make is easy to set up your account and then imply that you’re good to go. In my experience you are not good to go. It seems like they only really start checking once some money comes in. This takes time and they do not seem to want to hurry even if you hassle them. If the transfer is time critical then you are screwed. I would suggest that anyone considering using this service should start with a very small amount well before they actually need to transfer anything important. Otherwise your money could be in limbo for a week or more. This has been my experience with TW. So far I still don’t have the money I remitted almost a week ago. I expect it will work out but the delay and lack of feedback is a deal breaker for me. I will be setting up a regular EUR account with my bank for future transfers.

Anthony Dolbey. Your app is very difficult to use and as clear as mud. I just wanted to send a trial payment to a new user. I followed the procedure as it came up and ended up going into limbo. I canceled it and redid after identifying to use the recipient first and then going to how much etc … paid you first and then continued on with transaction to end.. all good I thought. I got an email saying otherwise.. went back to app nothing there.. tried to log onto desk top can’t , don’t know password.. sent email saying so .. nothing .. I tried to ring you.. office closed.. came back to now 2 hours later only for email to say its ok.. so I’m very exasperated about your set up.. I give you a big 0.

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Rates are not as transparent as what is claimed. Transferwise claims that the exchange rate you get with them is as transparent as it can get, and that one can check the rates on internet and it will match their rates. While it seemed to be true for the initial few months of their app, it doesn't seem to be the case anymore. They claimed to me that they use the Reuters mid market rate. I challenged it, and their own customer service sent screenshots showing how they were giving a rate worse than Reuters current rate. So if Transferwise rates are manually fixed, and they charge a fee on top of it anyway, why should any one use their service instead of free services that may give similar rates? Disappointed!

Not satisfied. I’m utterly not satisfied

Junk. Crashed every time an account was attempted to be opened.

can be better. can be better

Awesome app. Works great! Quick, reasonable fees and easy to use.

Amazing. Great app. Keep up the good work!

Perfect for using foreign currencies. Used this card on my trip to Europe, Switzerland, and India. Didn’t experience any hidden fees and it was very easy to keep track of spending.

Easy to use. Excellent job

Excellent!. Wise made my life easier

Amazing. Brilliant service and a clean app that’s a joy to use

WoW. Très bon application

excellent. excellent!

Annoying. Added money twice to my account for some strange reason. After it made me verify my identity, even though ive BEEN using it

Super!. Génial et efficace!

What a scam!. You have to pay $30 to activate the account, then it’s not useable until you pay another $42. This is so ridiculous for an account that is advertised as $0 No Fee.

If you are a Canadian or someone who wants to transfer from Canada. DO NOT TRY THIS APP. Complex and non-Reliable Money transferring App/method you will ever experience. Call support is only for UK business hours. Poor Instructions for Required documents. Simply Time consuming process - Local banks charge extra and they are safe and faster than TRANSFERWISE. Not recommended for CANADIAN Customers. Required documents - consist of all non related documents which is mandatory here. POOR UI in iPhone X Deleting this app for so many misleads and errors

Phone number. Such a hustle to change a phone number, dissapointed

This is what I was looking for. I was having trouble spending money in other countries and my friend showed me this app it’s really great.

Robbed. The person who took out the 500 Canadian out of my account yesterday robbed me is there anyway to receive my money back

It needs a fail safe period after transfers. I did a transfer and it showed as on hold so I clicked on it and it only showed me option into how to pay. That’s where I assumed my direct billing with Apple Pay went wrong, so I divided to use my credit card. Well, WISE efed me because I send that transfer ¡twice! The app shouldn’t direct me to forms of payment while the app transfer is still on hold until it confirms the payment method has been successful.

Superbe. Les transfers internationaux sont tellement rapide, c’est incroyable, en même pas une heure t’envoie n’importe où et ça coûte moins cher que western union ou autre service

i can't put my family's mail address or name!!!. when i try to put my family's info the screen turn to only beige color.i can't scroll down or nothing.how i can do this?

Amazing service for prepaid account. excellent

Transfert trop long. Depuis quelques mois la durée du transfert a changée. En 2022, une fois que Wise avait reçu les fonds il leur fallait 24h max pour les déposer sur le compte destinataire. Aujourd’hui il leur faut plus de 3 jours !!! Inadmissible Je soupçonne que durant ce délai WISE investit notre argent en bourse. Ça ne m’étonnerais pas

So bad. I have been waiting for the transfers I have made from the bank for months to be transferred to my Wise account. I reported the problem by email but they did not solve the problem and they closed my account. This place is definitely not safe.

Very convenient. Very convenient east to use saves time Amd money

Tremendous sending money App. Before i sending money to my country,i was donwload several apps to compare the currency exchange rate n the fees. Then After all Transfer Wise has so much better one than others . N here i am still with wise

Best cross boarder way to send money. Wise has saved me thousands in fees on cross boarder transactions. Easy to use and very quick. They hold funds in whatever currency they are deposited without ridiculous fees.

Go to travel account…. Wise makes travel/payments so easy. I keep a few currencies on the go. Extremely easy to use.

Shut my multi-currency account down. Wise decided to shut my multi-currency account down based on assumptions, making their service completely useless to me. Gave the usual ‘the decision if final, customer service cannot help’ pile of crap. All because of notes I put on transfers to help me keep track of things, and they didn’t like the lingo. Good riddance! I’ve found better options to replace the most important services

Nao paga. Já entrei em ctt enviei e-mail e nenhuma resposta

Transferwise. Good app

Slower than sending using a computer :(. I find money comes slower when I use the phones compared to when I use my computer

Seamless online banking. It was effortless opening the bank account, the app is easy to use

Question. Je ne suis pas capable daccepter mon transfer ds mes propre compte, le 6 digital number de la question dacceptation de transfer

Atendimento rápido. Muito bom

Best financial app and company. So easy to send and receive money internationally! Highly recommended.

Transferred money that no one can trace where it went. I would never use this app again I rate it 0 I lost my money

Unable to upload ID saved in device. Been using WISE back when it was TransferWise. Loved it always for the ease and authenticity and quickness it provides for transferring money. But recently I tried to send over $1K so it asked for the Photo ID. I have to click the picture but cannot use the photos saved in phone to be uploaded and have always to carry my ID with me always. That’s a turn down for me. Can you please add that feature? Thanks

Kesinti. Evet çok güzel bir uygulama fakat kesintisi fazla geliyor biraz daha düşürülse kesintiler inanıyorum herkes bu uygulamayı kullanacak

Wise card. Excellent. Easy to use.

Cancelled a transfer without notifying anything. The worst experience with Wise. Needed an urgent fund transfer and wise cancelled it without notifying anything. Such an irresponsible app. Not even deserve one star. 😡😡😡

Took money from my account LOST IT ALL. I transferred from Wise to email, they did not accept the etransfer in time. MONEY IS GONE FROM MY ACCOUNT AND I DID NOT GET IT BACK!!!!!

Smooth and easy. Have had smooth experience with Wise, easy to setup and use

Love it but…. Love it Very easy to use and reliable just to be faster then it will be Perfect!

International transfer. The best international money transfer app so far. Fast, easy and cheaper 👍👍👍 with high exchange rate. Happy customer here 👍👍👍

Fantastic Service. This is a fantastic service, super fast and very fair exchange rate and fees. I use it to transfer Canadian dollars to my Mexican bank account in pesos.

I like it. Goog app

Slow bank! Good tax but takes a life to transfer!. Wise is taking such a long time to transfer our money, in the beginning I was only using it, but know I’m gonna change bank because it’s not possible that an amount takes 3 days to transfer from wise to an account in the same currency. The money is on the clouds. Impossible to deal with this.

Poor and unreliable service. I tried two transactions this month: the first appears as done but money is not in destination account after 6 days waiting and second one was cancelled for no reason. Go to Remitly... easier and cheaper

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High learning curve. This was my first time using the app. Once you learn and make mistakes then it gets easy. But there’s initial high learning curve just because if you make a stop to grab your driver’s license or take time to retrieve your personal information it asks you to start over or show an error message. I made multiple unnecessary transactions with fees each time. If you go back one step it gives an error message or ask you to take photos of your driver’s license again, every transaction. I expected once I post my information, including a selfie it will store it so I don’t have to keep taking pictures for my ID for every transaction. No clear way to know when the deposit will be received as the time status keeps moving from 3 seconds to 3 days.

Good fx rates but poor functionality. For a card that advertises good fx rates, the app is very disappointing: aside from being slow to top up, it also defaults the payment currency to be the same as the currency that one wants to top up, so that if I am topping up my EUR balance, the payment currency is also EUR. A better way to go would be to (a) default to the currency of the country where the card was issued, (b) allow users to set their default currency, or (c) have no default currency, so that the user is always prompted to select the payment currency. The current design is such that, if one does not change the default, one ends up paying a commission to TW for a EUR to EUR top up and a commission to one’s own bank, if their bank account’s currency is not EUR. Very annoying. I reported this as a bug and got nowhere with TW’s customer service.

No longer works. I used to have people send me money by just using my email address I used to create transferwise account. Now it asks for extra details about me, which is fine, I get it – it's probably some anti money laundering regulatory measure. However, after typing all that was requested (with email address and account number already prefilled and greyed out and masked) it fails with "value for account number invalid". That's it, you can't go ahead, because you can't edit it. I am almost sure a Dev made a rookie mistake pass the masked number with stars to validate the form instead of the actual value hidden behind it. Who tests your app, seriously? Since this is an obvious change introduced recently that you now require extra details, how did you *not* test this most basic use case?

Unable to receive direct deposit. 3 stars because this is the first app/bank that could not receive my companies direct deposit. After the direct deposit was made customer service couldn’t even tell me where my money was or give me a timeframe. Also they mention it’s ok to use this bank name for direct deposits that alone sounds odd. Of course you need a bank name for company direct deposits. Only my company verified my salary bounced back one hour after I talked to wise customer support who couldn’t give me an answer. My advice to wise, get a better partner bank or strive to be like cash app which pays you 2 days early. Even same day or next day would be decent. The current climate of wise maybe 50% you will receive your salary 2-3 days after payday is unacceptable.

The best money transfer app that I have ever used!!!!!!. I want to take my time and appreciate how much I love this money transfer app. Not only the process is super fast, but the fee is also very affordable as well as easy and quick for the recipient to receive the money. At first, I doubted this app might end up as the same as others like Xoom, Remitly, Paypal, Moneygram, Western Union, etc. because those were not good and it turned out to be very annoying and difficult to transfer money to someone. However, this specific app surprised me when I started to try this and I really loved how fast and easy to use. I have had nothing to complain about TransferWise so far and I hope that it’s still doing a good job. Highly recommend!!!!

Reliable, trustworthy and simple. The first time I used TransferWise I was nervous about transferring my money to an unfamiliar account, but I needn’t have worried. The app quickly updated to let me know where my money was and how long the process would take. Before I knew it, I had received my transfer and everything worked just as planned. Now I have made about a dozen international transfers and it’s fast, reliable and so SO much cheaper than any other currency exchange option. Even better, after setting up the first transfer with my bank everything is even faster now. Thanks TransferWise for solving what was an annoying problem for business travel and oversees family. 5*

Great idea, very poor UX. I use transfer wise and I love it, but double security system just does not work . The notifications come to the top of the screen on your phone but the transferwise app does not see it. It is impossible to login to the transfer wise app as it sends the notification to itself and you cant access it. So unless you can verify yourself through mobile sms every time you try to log in , you are locked out of service . The problem comes when you are travelling and your sim is not available and of course the help line works mon-fri standard working hours .. Well I have your app on the phone , what is it actually good for??? Good for nothing really , but it says online if you delete it you ll be locked out of your accont .. Anyway, way to go guys with the UX

Good App - Terrible Customer Support. I use this a lot and generally it’s great, fast and efficient. However recently I went to make a transfer and was asked to verify my account AFTER MONEY HAD BEEN TAKEN OUT OF MY ACCOUNT. Keep in mind I’ve done multiple transfers to this account before. The verification failed for God knows why and my funds are being held hostage. I sent an email to customer support, no reply. I tried to call, no answer. I entered the chat support, they told me there is nothing they can do to help me an I have to wait 10 BUSINESS DAYS to receive my funds back. ARE YOU INSANE!?!? I get paid from my job faster than that. First: you have to tell people that they need to verify their account BEFORE taking their money. Second: if you can take my money instantly you can return it at least in a timely manner Third: your customer support is terrible and does not care about your customers.

Awesome to have if you transfer money in and out of the country. My wife and I were selling property that we inherited overseas. Previously, we’ve used our traditional bank to wire money to attorneys to help with the real estate matter. Someone recommended that I use Wise, and told me that the banks were ripping me off with their currency exchange rates. They were right. When we sold one of the properties, I had the money transferred to Wise and got almost $2000 more than I would have if I had them transfer the money to my bank. The real time exchange rates from wise makes it an awesome account to have.

Wise is a class act. Wish I didn’t need to pay a company fees to transfer my money across borders but here we are. The fact that I’m leaving a 5 star review for something that I don’t want to do in the first place shows how excellent this app & company is. The app is extremely effective at doing something that ought to be simple yet is complicated by our antiquated banking system: getting some cash from bank A in country Y to bank B in country Z. And it does all of this with competitive fees that are presented clearly and honestly. And their time estimates are always very good, my transfers always go through well within their predictions.

NO!! Don’t trust themmmm. I was trying new apps to send money to my friend and someone he knew suggested this one. Okay. So I start a transfer of $350 to him. They say it’ll take 2 hours. It changed and took 3 days to hit their system. As soon as my money went into their app, they deactivated my account and didn’t complete the transfer OR refund it. Their website said it may take a few days to refund, so I wait. I call customer service and they say “we refunded 9 days ago and cannot disclose why your account was deactivated we are a small team” meanwhile they’re super noisy in the background and keep telling me that my bank must have a hold on it. I report it to the bank and they say that 1. They cannot reimburse me for a shady app and 2. There was no refund from transferwise or holds whatsoever. Still trying to figure out how to get my money back or if I even can. Don’t trust it, seems like a very shady and fraudulent app and needs to be reported.

Be careful!. The app shows my transfer wasn’t sent and has a warning sign saying my pending transfer needed attention. So I went in there and clicked the send button again and then all of a sudden I found myself having made the transfer twice! And there is no way to cancel a transfer. The developer seems to just value speed and sacrifice security. There should be a mechanism to unsend within a few minutes in case of mistakes. In this case, it’s the app’s glitch that caused the double transfer and now I have to spend a lot of time reaching out to the recipient to get the money back and then of course I will just lose a lot of transaction fees, especially if they don’t use this app and use normal wire transfer to send me the money back.

The BEST!. I live in Detroit and my boyfriend lives in Toronto, so with all the back and forth I decided to open up a bank account there. Turns out it was going to cost me an extra $40-50 to transfer funds from my Chase account here to my RBC account there. Using TransferWise I believe it was only around $5 and I had the money converted & deposited in my Canadian account within 24 hours when the estimate was 3 days. I'm obsessed with this app for making it so affordable and easy to convert my funds. After all, it's MY OWN money that I'm sending back and forth! From me to me! I shouldn't have to lose 50 bucks with every transfer. Thank you TransferWise for your fair prices and SUPER EASY user interface!! I friggin love this app.

Really a life saver. I use this app all the time as I live in the USA and my wife lives in the UK often. I often have to transfer money into her account and this provides a very quick and inexpensive way to do that, very difficult to operate between the two countries otherwise. This app is really a lifesaver. And it’s quick. Also if we have work done on our house in the UK this provides me a way to pay that person which saves me having to wire money to that person’s account. I just want to add…I’ve been using this app for at least 7 years and the latest bank transfer took 6 seconds! I’d say $7 to transfer $1100 was a great deal.

If only I can give it -5. I processed a transaction that was supposed to be received the next day, but after I confirmed it the app said it’s going to take 10 days and there was no option to cancel it or do anything. I called them, the guy said it’s because I didn’t verify my account when I created it 2 years ago. Well Mr “wise” your system should remind US to verify our accounts and to cancel a transaction instantly if the account is not verified instead of leaving your clients like that. I didn’t even get another email from wise asking me to verify my account to proceed with the transaction. I had to call them to understand why it’s going to take 10 days and then I asked them to cancel it, the guy said I have to verify my account before I cancel it (before they issue a refund). PayPal’s Xoom is much better than this app, these guys don’t know what they’re doing and their app is as horrible as their “policies”.

I’m worried they stole from me. I tried to send around $2000 to my Korean fiancé. My bank stopped it initially because they didn’t recognize it. After clearing it with them I ran my card again, which they accepted quickly. After they received my money they said they had to do some “extra security checks”, although that’s paraphrasing, before they converted it and sent it to her. It was like that for a day. I tried to log in that night but my account was deactivated! I COULD NOT LOG IN! They had a window come up saying to look up my situation on their website. Their website said they can’t say exactly why if I call them, but that they had an issue and decided to deactivate my account. I haven’t been contacted by them, I haven’t gotten my money back in about 4 days, and I’m not happy. I’m honestly worried they’re stealing my $2000! So yeah, I’m never even considering using their “services” again. Screw you TransferWise.

Fast, secure, and best rates. As an international student I need to do quick transfers between my family internationally. This has made transferring big transactions (such as to pay tuition) way faster, reliable and save a lot of money that I can save up for other things (like food) rather than wasting big chunks on large conversion/transaction fees from bank. I really love this app, it has made everything much easier. Also, my parents are not too good in tech so they can just do a regular transaction to me like if I had a bank account back home. Then, just convert it to USD. Thank you so much TW! You just save me not getting a late fee on my rents and tuition! And also tons of money 😋

Have been a user for years, recently lost it’s use to me. Transfers started to take crazy long and no longer guaranteed rates for TRY. I know it’s volatile so I didn’t mind non-guaranteed rate but if that's the case then you can’t possibly take 5 days to “receive” my money. I had to cancel transfer because currency dropped more than %5 since I initiated transfer 4 days ago, and you still haven’t received it. I have used Transferwise for a long time and suggested it to everybody around but if this is new norm how is it any different than western union? I canceled my latest transfer on 4th day and will start sending money using crypto. Faster and cheaper.

This app has been a life/money saver. So, I had an issue with the app when it was still TransferWise: I order the atm card before I left the US, got the card but somehow they sent a duplicate card. When the duplicate was realized, they canceled both. The problem was, I had already left the US and had money in the app. The resolution was that they returned the $9 cost of the card, and I was able to move the money around back to my bank without any additional cost. The customer service was amazing. Fast forward one year, I still don’t have a card but the app has become exponentially useful where I’ve been residing in Ghana, West Africa. Even without the card, I can send money to my phone and avoid international banking fees, as well as, sending money in several other ways with very limited fees AND the ability to accept local payments for personal & business transactions. I rides with this app & thank y’all for saving me money!!💪🏾💪🏾💪🏾🔥

Perfect Solution. Wise accounts are the perfect solution for the first time traveler. I had heard about the Wise card from a family friend who had traveled overseas extensively. It seemed like the perfect solution, so I signed up and received my Wise card. I have been so pleasantly surprised by how well this system works and how I can move money from my US account to my Wise card for travel and purchase and other needs. currently I saved for my vacations and other travel by transferring money to the Wise card and forget about it. While in my account, it earns interest at a competitive rate and it’s safe.

Not a good money transfer. I open an account and made transfer, they promised 3 business day, it got cleared from my bank 2 business day but when I checked on the promised date of transfer, it was paused because they need verification. I did not received any email that they need verification documents from me, so if I had not checked the app I would not know that they paused it, knowing that they cleared it from my bank I thought everything went okay. O called customer service and this guy keeps on butting in on me and wouldn’t let me talk. I did say that I’ll file a complain and would not have written this if he can provide me with the complain number of transfer me to someone else because he keeps on interrupting me when I talk. So go save yourself some time and go to other money transfer

The more the use it, the worse it gets..... This app was great at first, an ideal solution to banking issues when you move countries. But the more you use it the more you notice the flaws. First it was transfers that took several days longer than the estimate, then customer service reps who are the definition of “computer says no.” One rep told me there was no supervisor when I asked him to escalate an issue, which seemed strange. And while they listen to issues, they give you the same answers as though reading from a script. No problem solving, no customer appreciation. The last straw was being told that I could only withdraw a fixed amount of money per day/Month. It’s my money! How can they possible mandate how much of it I can withdraw. (Don’t even get me started on the fees they charge for cash withdrawals.) if I know how to report them for abusive and exploitative banking practices, I would.

True FinTech disrupter! Great App. I have been using the app for a few months now as our family lives across three countries (SGP/HK, UK, US). The ease to transfer money between own accounts as well as to third party accounts makes the app a pleasure to use. Highly competitive pricing and - if ever needed - a responsive and reachable customer service team make this app a real FinTech disrupter. Banks should work like this and be ashamed that they can’t offer the same speed of service (never mind price) as TransferWise. I have also been a beta tester of the TransferWise debit card and multi currency accounts and am impressed how easy retail payments are across currencies. Last thing missing are direct debits and banks should be truely scared

Great overall but. I’ve used Wise for a few years now, only occasionally. I’ve mostly been satisfied but I once had my e-card hacked. I contacted customer service immediately and they advised me to cancel my card (I did not have funds in my accounts at the time, so I did not have to try and recover any). When I asked how this might have happened, I was told hackers try combinations and sometimes hit correct ones. Not sure if that’s a legit explanation. Anyway, I’m only using my physical card now. The app used to be great but feels like playing a video game now and is less intuitive to navigate. Why would they pay developers to revamp an app that does the job and make it worse in the process is beyond me - worse app, higher operating costs… This is not a good sign.

Fast, efficient, easy, 1000x better than OFX, WU. I used OFX twice and if was nothing but problems, slow, multiple verifications required, on and on. Nothing but problems, delays. WesternUnion assumes you’re sending money to a scammer and continuously blocks your transfers, requiring a phone call to verify it’s really you. Completely unusable. Transferwise (now just Wise) is easy to use, just set up your accounts and transfer is fast, often in seconds. Multiple options given to draw money from, use your savings, checking accounts, credit cards, etc. It’s perfect to send money to other countries if you’re sending to a bank account. Best international money transfer service!!!

Poor and so slow. I dont recommend this if you want to send money urgently because like what other said it takes long and ages. I have sent the money and debited on my card last Jan 4 and as per the transaction details it was completed last Jan 10 but until now my recipient haven’t got the money and the worst thing is that the money was returned to Transferwise because they failed to email back the bank for the confirmation of the purpose of transfer. When I contacted them they said it will take 5-10 days or LONGER for the money to bounce back to them and if I need a refund it will take additional 2-10 days or LONGER?? The money is for emergency and it will take them at least a month or longer to return?? So disappointed with there service and they said they could not trace the money and they will just send me an email. 😞😑

Fast, cheap and easy. I tried Transfer Wise for the first time to transfer funds to Ireland for my vacation. In the past I've always had my bank wire the funds, but I find international wires from the US to be relatively expensive, can take up to 14 business days and the exchange rate not so good. With Transfer Wise, it took only three business days to reach my travel agent, including a one day delay to send funds from my bank account to Transfer Wise, and then my travel agent in Ireland received the funds the next business day. The fee was less than $20 USD and the exchange rate was better than I'd expected. This is my new favorite app!

The worst money transfer app - Not user friendly. This is by far the worst money app I’ve came across. I used the app years ago and it was not intuitive at all. Recent events required to me to download it again. Not only that the system didn’t improve, I think it got even worse. There is nothing intuitive about this app. We did a test transfer. It took 4 days to arrive. I have my bank account information added, but the fact that I have to add myself as a recipient and add my bank account again it’s not intuitive it’s inconvenient And not logical. Any other app like PayPal, the money lands in your account and you can simply transfer it because your bank account is already attached to your account easy Peezy and there is an actual button make a transfer. Using Wise is nothing short of frustrating.

Horrible interface for setting up. To start using you need to deposit money. When you still can’t do anything you find your account setup is incomplete because you need to do the deposit and verify yourself. However, the app gives no direct button to do so. You need to start a second transfer; unless you hunt around on the app. Such hunting involves looking at your pending transactions. When you do this you find that the transaction is stuck and you click on “fix transaction”. Then you can follow the steps to photograph your id and your face. After all of that you are still stuck waiting, but it doesn’t directly tell you why unless you futz around more to see that you need to wait for them the finish the verification. What a non transparent way of operating.

Outrageous commissions, will never use it again. I sent money from my US Bank account to a Bank Account in Ecuador and even though the app told me there will be a $12,64 commission for sending $500 (which in fact is already too much) I accepted and performed the transaction and after 15 hours that the whole process took, I received $462,17 in my bank account in Ecuador! The bank took about $8 in extra comissions and all but, what about the rest of the money?? There’s no explanation whatsoever about what happened with it…truly awful, I lost almost $40 sending $500 using this app and there wasn’t even any currency conversion involved since we use the same American dollars in Ecuador! Absolutely a waste of time and money! There are better and way cheaper ways to send money so stay away from this app!

From a Sailor. I pay for big tickets items all over the world , as I sail. It’s not always easy to go to a bank and deposit money...going to banks where I don’t speak the language, etc, etc. I have used this app and service 5 times now to transfer hundreds of dollars and even over $1000. They all go faster than planned, and everything is on the up and up. I save money, the communication of what is going on with the transfer is far superior to my bank, and it’s wonderful to be able to do it all in my own language (English) and not have to leave my boat to make it all happen!!! Thank you Transferwise!!!

Questionable service. I am a company customer since 2016. I have transferred funds between the US and Europe through TransferWise. However, my recent service experience is really bad (May 2021). They hold back the money several days in their accounts , ask unjustifiable documentation that your bank (Bank of America) is not able to provide, and have no explanation where your money is stuck when you call them. The people on the phone don’t even know what to say because another department is responsible. This is not the service it was just a year ago. Most concerning is the fact that your money does not show up in your balances. You have to be on top of the process as a customer.

Takes TOO LONG!. This app is shady! I have been sending money for years and never experienced that much frustration! I gave it 3 tries as I thought maybe I was just out of luck due to good reviews! But after third time, I can assure you this will be the longest and worse experience you will have sending money! I made immediate debit payment after all my transactions. The first and second took 5 days. The last one I sent on the 14th and still haven't arrived! It is showing another 15 hours so I am guessing it wont arrive until tomorrow at least (they keep changing status!) 7 days! In that period dollar has gone up 10 cents, and, if compared to their high fees it is the same as sending anywhere else! All times when I contacted customer service they want to blame it on my bank. Except that everywhere I send money I never experienced that same problem! I definitely DO NOT recommend this app and will CERTAINLY NOT give it another try!!!!!!!!!!!

Transfer issues, disappointing results. I’m an international student, so i do not work my family cover my academic fees and also the living expenses, as you know when you pay the academy, you pay big amounts of cash through installments maybe every 5-6 months, mine didn’t exceed 2’300 euros. So wise froze my transfers/account asking for source of income i had a couple of Westrn Union invoices that states my information as they requested yet the refused. And WISE has a very nice future where i can withdraw cash from my family members account and that is what I usually do. When I contacted customer support they didn’t help what so ever…bottom line is that I’m sooo disappointed with wise I’ve referred it to many of my friends unfortunately after this experience I won’t. This whole case didn’t make any sense. Wise you’re losing costumers fix this issue!

Money Transfers are all over the place.. Sometimes it takes a couple hours and sometimes it takes DAYS. They are so inconsistent with when you get your money from the wise account to your bank account. Other than that, it’s not that bad, but that is a huge downfall of this. Been waiting on money for 4 days to go into my account, now it’s been sent to my bank but it’s not in my account yet because apparently it can take up to 6 hours for my bank to recognize this. Another new issue about why my money isn’t quickly in my account, especially since they take a fee from transfers and they still take forever to get to your account.

Account Deactivated Without a valid reason.. I am from Maldives and I have submitted all the Documents you asked and you guys have already verified my account. But without any warning you guys de activated my account and My friend’s account too. I have never seen more fraudulent platform than TransferWise. You have already asked us if we want to send more money, we can add it to our wallet within several days if our bank has a limit. But it was just a scam so that the user will add more money to their wallet and out of nowhere there comes a Mail from TransferWise saying they have deactivated my account. Yes this is frustrating. And I hope everybody knows that this platform is not safe and is a scam so do not try to send money abroad because they will steal your money when your wallet amount reaches more than 2500$ and they will deactivate your account. Yoosuf Majeedh. Maldives.

mostly a good service but 2 important flaws. update: talked to TW support several times about the important need to be able to download individual transactions, payments, currency conversions for tax purposes. they refuse to implement this simple function. you can only download monthly statements and then need to blank out all other transactions. this function is so simple to implement, I don't understand their stubborn resistance. Bought sthg. in the US with the TW Mastercard. Was surprised that TW then used my UK Pounds balance rather than my main EUR account balance for the charge. I need to invoice in EUR and now I am stuck with a UKPounds charge. Turns out, you cannot set a main account (e.g. based on residency, EUR in my case) in TW for foreign currency purchases. That is a real flaw and makes the TW platform inadequate for professional uses. update: there is no function for downloading a proper receipt of a particular transaction. hard to believe...

Account locked after money sent-AWFUL. Unbelievable. I was on this app for less than 24 hrs while attempting to pay for items to a small business in South Africa and purchasing from the United States. They have been patiently waiting and when I went to check on funds that had been sent I was told my account had been deactivated. Wise has all of my info, the credit card, the money and I can’t see my account or talk to anyone. They say “they can’t give a reason.” How can I solve this if I can’t know the reason??? Unbelievably horrible first impression and since you’re used by businesses around the world and promoted by podcasters (which presumably you pay for) you’d think that money would be better spent hiring more customer service so people can get their business done. Horribly disappointing and your lack of transparency and help is affecting a small business in South Africa. Shame on you.

Very unsafe. I’m not gonna over exaggerating with my experience, nor am I not recommending not to use this app cause the concept is very well and they dont make you feel scammed like paypal with their fees. The safety of transferwise is pretty much non-existing once the money has “transferred” to the receiver, therefore there’s no safety. I recently transferred roughly $200 (first time user) and the payment was never received to the receiver. I’ve contacted the support-team who were fast at replying, but they kept giving me false hope on investigating my case and try tracking down my money. It’s been over a week and I haven’t felt any support, therefore I’m considering requesting my bank to chargeback although it’s most likely impossible. I’m not here to blame anyone or get the truth off my chest, I’m simply showcasing how their safety is non-existing and how sometimes the receiver claims to never have received anything.

It was easy and difficult for me!!!. I must say I loved every Agent or Customer Service Representative that I spoke with through Wise! They are some amazing people! They have grace, compassion and patience!!! They are some Smarties 🤔🤗too!!! My bank was difficult to connect to!! Alex was the last Rep who helped me and I’m telling you, this guy did not give up on me! He was a trouble shooter!!! He had many ways to reach success!!! He understood everything about Wise! And all of their system uses!! Wise is the best!!! I really would recommended them 100% 💯❤️ After getting a few ❌❌❌, Alex turned it into ❤️❤️❤️💗💗💗💝💝💝🎉🎉🎉🤩🎈

Saves me $30-40 a month!. After spending a few months trying to deal with the alternatives, transferwise has been a total lifesaver. As someone who transfers money to the UK to pay bills, transferwise is cheap, fast and convenient. Western union is super user-unfriendly, costs upwards of $30 and requires someone in the other country to pick up the money in person. Wells Fargo is completely terrible for transfers; the process is unwieldy, prohibitively expensive and they took a week to tell me there was an error and the transfer didn't go through. Transferwise is a fraction of the price, and it usually goes through in a day. The app itself is great, easy to use and provides a real-time exchange rate so you can decide when the best time is to send your money. Once I had an issue with the rate not updating; I contacted support and within a couple of hours they told me to log out and log back in, which fixed the problem. So customer service is great. I can't emphasize how much transferwise has done to streamline my life and ease my finances. Highly recommended in general.

Best Way to transfer money internationally. I don’t even understand any of the bad reviews because I’ve had an excellent experience with TransferWise. Wayyyy better than Western Union that allowed someone in Africa to log in my account without sending me and email alert and that person took all my money out my bank. And better than Remity even though I have an account with them also. But I’ve been with TransferWise for 8 months and everything has been smooth. Went from having to wait 3 days for my money to be sent to it being sent within 10 minutes without them taking money out of my account first. I have the card with them and that’s the only issue I’m having as I can’t take money off it while I’m in Nigeria even though I have everything turned on for me to take money out, but I can say I still can transfer the money I have on my TransferWise card to my bank card and still use it. So this is the only thing I hope the company fix. I love love love the app and I highly recommend using TransferWise to send money at a cheaper rate than Western Union and Remity.

Has become deeply hindering to financial stability. Used this in order to access my money while abroad without opening a foreign bank account. At first it worked fine, but now, it has started to have serious issues with “instant transfers”. It used to take seconds to add money to the account using a bank account. Now it holds the money in limbo for up to 7 days, with no explanation. I’ve reached out to customer service and they tell me (erroneously) that I’m selecting the wrong transfer option. I am using the same one as before. But they don’t answer when I try to ask more information. I haven’t sent large quantities of money, less than 2k in 3 months. This is not a reliable way to transfer money for anything important or time sensitive like rent. Will be searching for an alternative.

Need more information. I have used this app several times over the last few years and have been completely satisfied. However, I had a very frustrating and time consuming experience trying to transfer money from my US bank account to someone in Italy. In short, it boiled down to not being aware that when you use a debit card, ere is a $1000 limit every 24 hours. Instead of a notice in regards to this, I kept getting a message that there was a problem with my bank. After speaking with support at TF, I was made aware of this. It may be in he fine print that there is a $1000 limit, but who reads the fine print? TF needs to fix this problem by making this limit clear.

Great App, Terrible redesign. The recent ‘rebranded’ update looks like it was designed in 2013. It’s trying too hard to appeal to the younger generation (which I’m one of) and frankly looks untrustworthy. That’s not to say that the app isn’t trustworthy. It IS, but if I were to join now without any knowledge of how it once looked, I’d have a different feeling towards it. The graphics now are huge and you get less information in one screen, which is annoying. The green is so bright that I feel like I stepped into one of those old Justice stores in an American mall. Please bring back the old look. It was streamline, neat, and looked great. No need to rebrand when it’s working. That being said, I love the app and it’s been a lifesaver since moving abroad.

It does some things great, but. I’ve had my account about a 18 months. It does person to person international transfers of money very well. I going on an international trip and wanted pay for my hotel using the wise card. Transferred money to hotel’s currency for a fee! Transaction failed. I believe the computer can’t negotiate different currencies. It saw a number, (greater than $2000.) and immediately thought it was over the transaction limit. I got charged a fee to convert USD to the foreign currency. It still wouldn’t pay my hotel bill. I to use my credit card. I was charged again to convert foreign currency back to USD. And charged again to put the money back in my account. Not sure if it’s worth it, even if you stay within the $2000. per transaction. What if distinguish between currencies. Maybe it will do better as a ATM card only. Very disappointed.

Great for Germany, study abroad. I am an American and — in 2019 — I studied abroad in Germany (Deutschland). I paid my rent, shopped and got cash from ATMs. The fees are low and justifiable. I avoided the convoluted system of opening a German bank account. I was able to use my card in the EU, Switzerland and Norway. I liked that I could send rent to my landlord’s German bank and he always got it the same day! I also paid the German State University Fund for my semester contribution (semester fee). Receiving money was also easy because one can get a TW BIC/IBAN for receiving Euro for getting a rent deposit back. 10/10 would recommend. Don’t exchange your money at an airport! Get a TransferWise borderless account.

Great once it is set up. It took me a month or so to successfully set up an account. Customer service was helpful to work through the issues I had. Once that was finally completed the app works great. Today I was able to upload money from my checking account, convert it to another currency, and initiate a transfer to the recipient in a matter of minutes. Literally less than 5 minutes. The fees were less than a wire transfer from my bank which would have taken at least two days to complete… and no fees or poor exchange rate by the receiving bank. No guessing about how much the recipient would receive.

Worst App Ever. Don’t waste your time with this app because it is a scam. They hold wires with no reason, I had a wire held for 10 days because they couldn’t check the name of the person (Asian Name) what was very ridiculous. The customer support is even worst, they cannot solve anything by phone and ask 2 business days to their “team” (I am sure they haven’t one) to check your problem. This 2 business days will become 4 or 6 or even more. If you even try to add money using your own card they will reject and say it is your banking problem when the card was never even declined on your bank side. Last time they asked to give them another shot but total waste of time.

Fab!. This app has been wonderful. Quick and responsive. Not five stars because I think that finding past statements should be easier to access. Otherwise, this app is great. *Edit* It’s been a few months since I wrote the above. The app has been much improved (specifically the changed setting for transfers which allows you to put in what you need to transfer and does fee calculations for you!), but getting and saving statements is still not intuitive and saving PDFs of transactions needs to allow for seeing and renaming the file name. When the above happens, I’ll change it to a five star review because everything else is great.