Bonjour, je viens de vivre une expérience avec TransferWise, c’est une belle escroquerie, je me tiens à votre disposition pour partager cela. Au début, tout se passe le plus normalement du monde, puis les délais ne sont pas respectés, ensuite des demandes incessantes de justificatifs bidons de domicile alors que déja fournis, bref que des gains de temps de leur coté histoire de faire fructifier votre argent…pour ensuite ne plus avoir de nouvelles…
Le gros soucis est que à force de « jouer » comme cela, ce système s’écroulera de lui-même et ceux ayant fait un transfert à ce moment là peuvent tout perdre, ce n’est que mon avis, à chacun de décider….
Ci-dessous une traduction en anglais plus complète de l’expérience que j’ai malheureusement vécue, en espérant que ça serve à d’autres…
TRANSFERWISE IS A SCAM !
TransferWise is an Estonian developed and UK-based money transfer service.
The concept is to match transfers with other people and then have a small commission while using the official exchange rate, unlike traditional currency transfers where there are buy and sell rates and the broker takes the difference between the two.
In my situation, in order to avoid delay, all documents had previously been sent and checked to be sure everything would be fine. But they said that in order to process my transfer they needed further information to check the origin of my money.
And although the funds left my bank account immediately, they said they received the funds too late (at this time the exchange rate was no longer guaranteed and the new one was more expensive!) and then start the exchange currency and transfer process. So I had no choice but to accept the new rate, as I really needed that money.
But the transfer never occurred! It was stuck in their bank account in Germany (as it was an Euro conversion).
After that, they told me the transfer was being reviewed (this begs the question of why they wouldn’t review it before debiting the money) and that they needed further information and documents to start the process. But the documents had all been sent at the beginning of the transaction!
2 DAYS after they received my money, I received a first request "Please provide your bank statements" as we need to check the origin of your money. I did it straight away, then 2 DAYS later another request " please provide another bank statement" to know where my money came from, and then 2 days after that "please provide 10 years of your payslips" as we need to check the origin of your money…(after I had provided them with several bank statements, certificate with name of the life insurance company where I took my personal saving funds…)
This was ridiculous!
I contacted them many times by mail and received replies from at least 7 different persons, all asking for different documents that had already been sent at least twice before; then no reply or a reply asking for more checking information. I also tried the online chat room which never opened or tried to phone ( an Estonian number) but nobody ever answered except an answering machine…They claimed they attempted to phone me but could not reach my number (?). However I received several calls from Estonia, disconnected at once whenever I picked up… The last person I had contact with through e-mail absolutely wanted to contact me directly by phone to get “some documents needed”, because he said he couldn’t ask for them in writing! it was such a piece of joke !!! of course, finally he said he couldn’t phone me because his phone couldn’t reach an overseas number ! So I asked for skype, whatsapp, without success, then his phone number (which was in fact, after several tries, connected to a machine!)
After 10 days without any transfer, I managed to cancel the transaction after threatening legal action and waited for my money for 5 days, not knowing if I would ever see it again! But fortunately I got it back.
Their "customer service" consists of blaming the customer, asking for endless and ridiculous documents and information, impossible to provide. The messages you receive are vague, misleading or not true.
Warning: DO NOT USE TRANSFERWISE. They will take the money you have transferred to them and keep it so that they can earn benefits from your money but your transaction will never be completed!
Like a lot of people, I had read lots of positive testimonies, I’m sure they were fake, or they were very lucky people !! The greatest risk is that TransferWise will go bankrupt disappearing with the unlucky customers’ money, So I hope my experience will serve people.