Impossible rate-guarantee deadlines for transfers initiated on weekends, but otherwise pretty good.
A rate-guaranteed transfer I made on a weekend (USD->EUR) was given a deadline of 8:59am on Monday (no time zone mentioned) to be received by wire transfer into Wise’s Wells Fargo account in order to preserve the guaranteed exchange rate. I initiated the wire within minutes of the transaction.

As we all know, and as mentioned in Wise’s own online help references, banks don’t actually send any wire transfers on weekends. They often release wires in batches throughout the business day up until just before the fed wire deadline of the following business day.

How was I (or anyone) expected to make an 8:59am Monday deadline when we have no control over when wired are sent out by the banks (during opening hours up until the FedWire deadline of 6:00pm Eastern Time)?

So, my guaranteed rate was voided and my transfer was assigned the mid-market rate at the time they received my funds at 10:00am Eastern Time. 

Previously, (Transfer)Wise guaranteed the rate for longer, allowing enough time to receive the wire from the customer’s bank. Why do you even pretend to allow guaranteed rates on weekends, when absolutely no one could ever possibly meet the absurd 8:59am (time zone unstated by Wise) Monday deadline? Do you know any bankers anywhere who are at their desks at 8:59am?

I was generous with 3 stars. But the joke was on you; the mid-market rate in my case was better after you canceled the guarantee. So I should be thanking you for being ridiculous.

I’ll note that the fees are reasonable and I’ve always found Wise to send funds quickly. But I’ve found the responses from customer service to be pretty slow. I’ll stay with them because it’s the devil I know. ;)