The worst and most frustrating experience I've ever had with money transfer. It took me a whole month to get from making my account to finally withdrawing my money from this buggy snail-slow service. If you need to receive money internationally without wanting to end your life in the process then steer clear off this inconvenient mess. Not only that, refunding a transfer cuts a whole THIRD out of the money. They think that money grows on trees and they own it. Nothing worse than this.