Just to add another data point, TransferWise have been the single most useful financial service for me over the last three years. In 2000 I moved from Australi

Just to add another data point, TransferWise have been the single most useful financial service for me over the last three years. In 2000 I moved from Australia to the UK. Transferring money between AUD and GBP accounts was always a bit painful. The banks charged too much and took too long. I even signed up with a dedicated forex trading firm, but at the time they did not offer an online service, so there was still enough friction with phone/email to limit my use. Three years ago I moved to Central Europe and acquired a EUR account. Soon after I discovered TransferWise and have used it regularly ever since. It works, it's cheap and it's fast.