I'm very dissatisfied. I wanted to send the payment via direct debit, but apparently you can't send direct debits to Transferwise from Bank of America (which is a bit ridiculous, what with Bank of America being so ubiquitous). So I had to pay $3 to make a transfer from BoA. It wasn't made clear to me that I wouldn't be getting the rate available at the time I set up the payment, but would get the rate at the time my money arrived. If this had been made clear to me, since I'm very risk averse, I never would have made the transfer. For example, on the right hand side of this very screen it says "Amount: 2,000.93 GPB" which is not what you'd give me if the money arrived right now - this is deeply misleading and I do feel I have been deceived by Transferwise. I'm a poor student and although this debacle has only cost me $6, I wasted a lot of time calling my bank and calling Transferwise, and I'm very frugal so $6 is really non-trivial to me, when I'm using this service in the first place to save every penny. I will not be recommending Transferwise to my friends - quite the contrary.