In general Wise is not a bad company, however lately they held up a payment from a company who paid into my account before, simply because the company used their address as reference, their help page doesn't work, you can't reply by email, if you call, you end up in a call center where the people are not very clued up. A bank that mostly relies on internet transfers having really bad IT, no email address (their support email address returns mails and says it is unmonitored and tells you to go on their help page, the page that doesn't work) Until that happened, I wasn't unhappy with them, I was actually really happy, but now I am looking for another bank account, no email, only an Indian call center where people read from scripts. err, nope, not the support I expect