TransferWise

Before this I tried two other transfer services, and this was the cheapest for sending money to my elderly father in Scotland's relatives abroad. The others looked cheap until you saw the rate. Here I could see the figures plainly.

I needed a way to pay my letting agent's overseas invoices and this seemed the sensible route. I have been a customer for a good few years now. Recently a transfer was held for a check and it took the best part of a week to get sorted out, which was longer than I would have liked. Apart from that the service has been fine, and the fees have stayed where they were.

I needed a cheaper way to pay my supplier in Turkey for regular stock, because my bank fees were eating into the margin. Setting up the account took a couple of days for checks, but once it was done the payments were quick and the costs were lower than I expected. I now do most of my overseas payments through here and the rate has held up well.

I needed to send money home to my mum in Leicester for her bills and this was my first time using any transfer service. Signing up took a while because it asked for a selfie and a few documents, but the instructions were clear. The transfer itself arrived in India a bit later than the estimate said, which was a bit annoying. It's fine though and I'll use it again.

I have used this for sending money to my nephew in Canada twice now. Both times the fees were stated before I confirmed, and the money arrived when promised. The website is easy to follow, which matters to someone of my years. I shall continue to use it.

Ordered the multi currency card before a trip to Japan. Arrived in about four days, works a treat at the ATM and the shops, no fees on the yen. Top up is dead easy on the app.

This is a sensible option for anyone who sends money abroad from time to time. I have used it to pay my daughter's school fees in New Zealand and it has never let me down. The amounts were quoted in advance and the money arrived on the day it was meant to. My bank could learn a thing or two from it.

Compared with my bank and two other money transfer apps, this came out clearly cheapest for sending euros to my flatmate in Lisbon. The bank wanted almost four percent on top of the rate and the other app hid its fee in a worse rate. Here the fee was shown up front, the rate was what it said, and the money landed the next working day. Easy choice for me.

Used to pay my bank loads for sending money to my brother in Manchester, which is silly really. Switched to this and it's way cheaper, and the money shows up same day. Took about two minutes to set up.

I compared a few providers before settling on this for my overseas payments, and it came out on top for cost. The total cost shown up front was the figure I actually paid. Transfers to my contacts in Canada and Spain have arrived as promised, so I see no reason to change now.

Got the card before going to Mexico and it arrived in under a week, so no stress there. I used it to pay for everything and the exchange rate was the same as the app showed, which saved me a fair bit compared with my usual card. Topping it up was painless. Good value for the price.

I've been sending money to my brother in Toronto for about six years now, so I know the routine well. The rate in the app is the first thing I check and it's always been clear. The only bit that's slowed me down lately is the verification email, which sometimes goes straight to my junk folder.

Compared with my high street bank this worked out about half the cost for sending euros to my daughter in Spain. The bank charges a fixed fee plus a poor rate, so the gap was obvious. The app is easy to use and the money arrived in a day. One small niggle is that the rate can move a little between seeing the quote and confirming, but it is not a big deal for what it saves.

I used the site to send money to my son in Spain for his rent deposit, and it was far simpler than I expected. The exchange rate shown at the start was the rate I got, which I appreciated. The only small thing was that I had to upload a copy of my passport before the first transfer went through, and that took a day to clear. Otherwise I'd use it again without a second thought.

What I liked most was the live rate on the app, you can see the exact number before you hit send. Used it to send money to my girlfriend in Dublin and it landed fast. Really handy, no faff.

Set up a local account in the app to get paid by a client in Ireland. Got my details in a few minutes, the client paid in and it showed up on the same day. Feels much more sensible than the old way.

The transfers I have made over the past year have all gone where they should, and the sums involved were not small. The fees are plainly stated and I have never been caught out by a hidden charge. My accountant suggested I try it for my payments to a supplier in Germany, and it has done the job well. A sound service, and I am glad I switched.

The live rate on the app is the best bit, you can see exactly what the other person gets before you press send. Sent money to my brother in Leeds for his share of the flat deposit, it landed really quick. Only thing is the fee is a bit more than I expected on small amounts, but the rate made up for it. Would use again x