This application is not what it says to offers. Live in Romania and I am trying to send money to Peru. The application is not the same on both countries. Here I have the option to request a card in Peru that option does not exist in the application. My relatives are trying to transfer the money to a bank account as the option to have a card does not exist and to do that is charging lot of money. Wise and whatever your bank account will charge in plus for the transaction. So be carefull..