So, you get suckered in that you will pay less than using your bank for International transfers. You wait 3 days for verification of your account (it actually took 5 working days) and then when you come to make a transfer little boxes keep pooping up saying, this is an expensive way to transfer money (debit card) and in the case of a Swift (charges will be made by your bank and the recipients bank and Tom, Dick and Harry in between). Cue a phone call for clarification. The phone I am sure is iff the hook as I have tried continually for 4 hours. By the way, you still havre to go online to your bank to transfer money to them, which means going online, setting up a new recipient, which all in all means I'd have been quicker allowing my bank to process the payment at their cost in the first place... as much just as a chocolate fireguard.