That&#x27;s true.  TransferWise ran a lot of poster advertisements in London, but I think I realised how it worked from a competitor&#x27;s advertisements — <a href="https:&#x2F;&#x2F;www.weswap.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.weswap.com&#x2F;</a> (slightly worse rates, and works by using a card, but they have a better website).<p>TransferWise have a well-buried FAQ item: <a href="https:&#x2F;&#x2F;transferwise.com&#x2F;support&#x2F;customer&#x2F;en&#x2F;portal&#x2F;articles&#x2F;1570199-member-matching" rel="nofollow">https:&#x2F;&#x2F;transferwise.com&#x2F;support&#x2F;customer&#x2F;en&#x2F;portal&#x2F;articles...</a>