Is Transferwise reliable? And does anyone have a referral code?

Yes I will recommend them because it went through smoothly and the customer service was polite (though they didn't manage to solve my issue in time)

I had a big screw up (my fault, not theirs) last year, I had to transfer $30,000 USD over and it was stuck for 3 days (of course I panicked during the transaction lol)

In the USA, there are 2 bank codes, ACH routing code and another "wire routing code". One is for their internal USA bank to USA bank, the other is for international transfer, I got mixed up and wrote the wire routing code instead of the ACH.

1. My money transfer was there for 1 day plus and still haven't got through.
2. I emailed, no answer for half a day, I called, someone was very nice and helped me, informed me of the wrong code, and I emailed immediately to have a documented change of codes for them.
3. another day passed and the transaction was cancelled automatically by them due to "lack of actions"

Frustrating, as there wasn't a proper customer service system to handle my email/call help.

But oh well, in the end, I redo the transaction and it was done correctly. So the end of the day, I will still recommend them for their prompt transactions.

https://transferwise.com/gb/blog/ach-aba-wire-e... This will probably help you to understand the ACH error I made.

Referral Link- https://transferwise.com/u/tians6

For any who are keen, this link comes with a free international transfer up to £500 pounds. Enjoy!

I used TransferWise twice to transfer money to a KRW denominated bank account in South Korea. The process was pretty foolproof and straightforward and the remittance was settled real quickly (same day during office hours). There're multiple options to pay like PayNow and credit cards albeit at different charges, but it was really convenient to have multiple options readily available. They do also offer a comparison tool to see which payment method poses the lowest charges. There are other services around as well, like instarem etc. You can look around and find out which one suits you best. I think each has very competitive rates for certain currencies.

But if you do decide to use transferwise, here's my referral code: transferwise.com/u/waih47