I've used TransferrWise twice now. Both times the money has arrived really quickly (in less than 24 hours, even when there was a bank holiday in the country of origin) and I've got a great rate. It's a bit nerve-wracking the first time, transferring money to an unknown bank account in Estonia, but I'm glad I took the plunge. I had met an employee of the company on the holiday and that he'd told me all about it - that definitely helped with feeling confident that my money wasn't going to go missing! Very pleased to have found out about TransferWise as I make a lot of international transfers.