I've been using Wise for the past three…
I've been using Wise for the past three years or so and basically can't fault them. My transfers from England to Europe are virtually instantaneous. The only thing I'm not keen on is contacting customer service - v difficult by phone, and e-mailing is quite slow in terms of response time, so hopefully they'll speed up at some point! I'd recommend them, thought, for exchange rate and speed of transfer.