It is a great service and clever idea behind. I welcome such initiatives and promote them. transferwise fill a gap in a area which needed a better service.
However, the recent changes in pricing, from a ladder pricing to a percentage one, leaves me questioning whether it is really fair.
Usually the more you exchange the larger is the benefit in terms of costs. If clients used to make several payments to the same banking account-recipient, it may be avoided. Just it shall not be allowed to do multiple payments directed to the same banking account-recipient in the same day. So the client has to do the next day and consequently bear the risk of FX movements.
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