curtis
Member
Charente Maritime
Posts: 516
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Post by curtis on Jan 24, 2024 12:12:26 GMT 1
I am having trouble getting funds sent via transferwise. This time I have been asked for a document to confirm identity. This hasn't been asked for before (except at the opening of the account). OK, so I click on the type of document and then the option to send the photo. This takes me to the pages on the computer for documents and photos but all the images are not shown. I have re scanned the passport again into a different file and started again. When I click on that file it doesn't show the passport. I know it is there as I can open it normally. So, I went into the section for help with verification. I selected as before and this time I can access the files and was able to send the passport pic. But, returning to the sending money page it is still waiting for me to complete the verification there. So, I am scotché!
Any ideas (not too technical please)
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curtis
Member
Charente Maritime
Posts: 516
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Post by curtis on Jan 24, 2024 15:24:21 GMT 1
Well I have made the transfer by sending the passport photo separately to the transfer request. No idea why I had the problem but it has been sorted in another way. Must assume it was an occasional update request for identity.
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Post by iolar on Apr 10, 2024 9:47:54 GMT 1
Well I have made the transfer by sending the passport photo separately to the transfer request. No idea why I had the problem but it has been sorted in another way. Must assume it was an occasional update request for identity. You must have been very professional in photo taking. Wise has been been very picky with my wife's photos. I'm hoping it is finally all sorted out today so that we can get money across.
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curtis
Member
Charente Maritime
Posts: 516
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Post by curtis on Apr 10, 2024 23:00:44 GMT 1
It was a scan of my passport.
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Post by lurcher on May 2, 2024 7:56:46 GMT 1
We have recently joined Wise because CurrencyFair is now unusable now it has been sold on. My attempts to transfer money with Wise have produced endless problems with identification. At least there does appear to be a customer help service that, on some occasions, read my messages before hitting standard replies. I have managed to transfer two, separate sums of money after a lot of work sending screen shots of bank statements and passport identification. The last effort was a larger sum, not huge, and the transaction stops with no money being sent from our UK bank account. The Wise system has a problem with linking a joint account with the single named Wise account. If anyone can give me the key to operating the Wise system I would appreciate any advice. Thank you
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,963
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Post by suein56 on May 2, 2024 9:21:31 GMT 1
The problem might, just might, not lie with Wise but with your UK Bank. Why ? Our Wise a/c is in my name but I transfer money via Wise mostly from our joint UK a/c to France.
Have a word with your Bank if only to rule that out.
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Post by lurcher on May 2, 2024 18:51:36 GMT 1
Thanks Sue but I have already been down that route. Our bank can not find any request for the last sum to be paid even though we must have tried about six times. The two test transactions did finally go through though it was not plain sailing. Those are recorded correctly by our bank. We had a long conversation with a knowledgeable advisor for our bank and she suggested a few routes we could follow. The net result today was for us to perform a straight forward international transfer between our bank accounts and accepted the small loss compared with using Wise. We needed the euros today because we will be on the way home in the morning. When I at home in the UK I will work on the problem which is probably teething troubles which should be solved with a bit of thought and persistence. I will report back some time later.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,963
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Post by suein56 on May 3, 2024 13:40:20 GMT 1
When I at home in the UK I will work on the problem which is probably teething troubles which should be solved with a bit of thought and persistence. I will report back some time later. As a smartphone user, but minimum app user by choice, I arrange my transfers through Wise via the desktop on my old laptop. From the start (I usually know what exchange rate I am looking for) to finish it is mostly around 60 seconds from log-in to Wise through to log-out with the exchange and transfer achieved and an email ping from our French bank announcing the arrival of the €€ in our account. Sometimes it can be a tad longer if our UK Bank is being a slow doing its bit or if Wise decides to send a code to my mobile wanting me to prove that it really is me logging in. So I agree that smthg somewhere is causing a hold-up in your case. You will find it - or the snag will come to light .. I hope this happens soon and that you will then be as pleased with Wise as I am. Looking forward to hearing from you again about this. Good Luck.
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Post by another on May 4, 2024 13:26:40 GMT 1
The problem might, just might, not lie with Wise but with your UK Bank. Why ? Our Wise a/c is in my name but I transfer money via Wise mostly from our joint UK a/c to France. Have a word with your Bank if only to rule that out. Most months I transfer money from a Lloyds joint A/C to my Wise A/C, never ever been a problem.
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Post by lurcher on May 17, 2024 7:54:40 GMT 1
After the earlier failed attempts to transfer money between our bank accounts using Wise we tried once more with a small test sum. We still received a request to name both the joint holders of counts and the transaction was put on hold. This morning the money has been transferred correctly. Today we will repeat the process with a more substantial sum. Things are looking better.
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Post by iolar on May 28, 2024 11:16:00 GMT 1
After the earlier failed attempts to transfer money between our bank accounts using Wise we tried once more with a small test sum. We still received a request to name both the joint holders of counts and the transaction was put on hold. This morning the money has been transferred correctly. Today we will repeat the process with a more substantial sum. Things are looking better. I opened a Transferwise account for my wife to use in 2019. There were no problems then about identification. She made 3 big transfers in 2019/2021/2022. When she/we tried to send the same kind of amount from the same bank, First Direct we had lots of problems because of my wife's hearing problems and less than properly trained personnel at First Direct. Wise treated my wife as if she was a new client. There was the additional problem that last year either the Pompiers or the hopital general in Albi lost all my wife's documents - the Carte de Sejour, Carte Vitale and mutual. The mutual was no problem and I got the Carte Vital replaced. We couldn't use my wife's passport because she renewed it just before we got married in France. They refuse to accept the Carte Vitale or any other official documents and the money was returned to First Direct. Also the young people employed by Wise really havn't got a clue. Yes the debit card is very useful BUT the % bearing accounts mean that if for any reason you want to get out of any currency it will take over 2-3 days. That to me is a big no-no. I couldn't get a definitive answer to actually when that rate is determined, I don't like that. Others may not care. I was going to use Atlantic Money as they are the least expensive of all currency transfer companies - £3 for any sum and almost always operate at the actual interbank rate. However I learned that they will only transfer into another currency which must be sent to a country where that currency operates. That will be fine for those Brits living in the EU but if you want to transfer into another currency for whatever reason it's a no-no. As I have ruled out Wise I don't know if the same applies with them. We will close our UK bank accounts and I want to get out of Sterling ASAP and switch to the US$. I don't want us to get hammered by the usual 4% rate that banks all apply. I have yet to find out if the receiving trading account will apply the same rip-off rate. For anyone interested in seeing the best and worse rates applied check out www.monito.com - the differences are huge.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,963
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Post by suein56 on May 28, 2024 11:59:42 GMT 1
For anyone interested in seeing the best and worse rates applied check out www.monito.com - the differences are huge. Interestingly it is Wise which has the highest Monito satisfaction score. But I see that Monito has a connection to XE.
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Post by lurcher on May 28, 2024 13:35:31 GMT 1
We have persevered with Wise and after our last success with a small test transfer, today we tried a much larger amount. We recognised the routine where they say there has been a problem and then entered my wife’s names on their form to satisfy them that the joint account was acceptable. A few minutes later the whole transaction was complete and we could see our euros in the French bank account. There are clear statements on the Wise site that this check is mandatory but they would not always ask for confirmation. They blame the problem on banks not providing the correct names on the account we have. I asked if it was possible to make a permanent note of my wife’s names so the problem would not arise and they said it was not possible. We are happy with the current arrangement and will continue to use Wise. We certainly liked the rapid transfer and conversion rather than hours or days from CurrencyFair who have lost the plot and probably the bulk of their customers.
edit: The rate today is as good as it has been for at least a year.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,963
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Post by suein56 on May 28, 2024 18:34:53 GMT 1
A few minutes later the whole transaction was complete and we could see our euros in the French bank account. There are clear statements on the Wise site that this check is mandatory but they would not always ask for confirmation. I can't remember experiencing such checks so, perhaps, once Wise is used to you making regular exchanges from your UK account to your French account the checks might reduce in number. Bravo for persevering.
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Post by hughnique on May 29, 2024 8:11:52 GMT 1
I have an HSBC joint account in the UK, to take pensions etc. I have used Wise as a transfer agent for several years, with no problems I can recall. I log in to my Wise transfer account, then they send a code by SMS, that gets entered where required and the transfer begins, always very quick, normally euros arrive before I can log back in to my CA account
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