wise transfers deliberately held
I wanted to highlight the fact that wise is regularly holding FX transfers from their accounts to local banks. This started happening about 6 months ago in Thailand and now is happening in Vietnam. It used to be for an hour or two, now it is repeatedly being delayed for over 72 hours with no reason. They are now behaving like a normal bank playing with FX. I have ended up in a jail cell over money being held and being fined in a 3rd world country, so I would seriously consider switching to Revolut, so far I have not had the same problem. The last thing you want in an emerging market is to have your money withheld, when they dont actually operate in those countries. They know they are doing this, but will not compensate you for fines or personal loss or damages relating to their deceptive conduct. DO NOT USE WISE.