Great, easy to use app on the surface, but the exchange rates being offered are way off kilter. I regularly send USD back home to Sri Lanka, where the actual exchange rate is now about 250/260 rupees a dollar- Wise instead offers 199/200, a rate that only bank-to-bank transactions in Sri Lanka follow at this point. Ending up losing money at this rate. Going to wait a month or so and if Wise continues to exchange cash at nearly 50 rupees below market, it's goodbye for this app.