Martin J.

Since about one year I use TransferWise for monthly transfers to Philippine bank accounts.
If the transfer works, the money is on the account after 3 to 5 working days - often the money comes back again with the hint that the recipient data are not correct. This has never been the case.
However, the last bank transfer did not work again.
TransferWise transfers the amount to a Philippine partner bank. This bank then sends the transfer amount to the recipient's bank. TransferWise partner banks in the Philippines are Tranglo-Bank, Metro-Bank and BDO-Bank. In my profile a note was added to carry out transactions only with BDO, as the BDO bank has proven to be a reliable bank. Transfers with Tranglo bank have never worked.
Now the Metro Bank has been used for the first time, but the note in my profile says only to transfer via BDO. The call agent proudly told me on the phone that they had used the Metro Bank for me for the first time. So an experiment with the result that after 7 days the amount still not arrived. That is very annoying. At the 1st FEB bills should ve been payed in the Philippines.
2 days ago a reference code was sent to me by TW with which the recipient should present herself to the bank to locate the payment. The recipient did that as well. Result: The payment could not be localized!

Today I called TW again, like almost every day. I would need a receipt from the recipient's account which shows that the amount (******* PHP) has not arrived. I have already sent the receipt 2 days ago by email, but been told that this is not enough for a document. This paper could be made by anyone at a printer. I use TW about one year, partly several times a month, to get then indirectly told I would cheat them...

IT IS ENOUGH NOW!

I cannot recommend Transferwise to anyone with a clear conscience and will delete my user account with Transferwise after clarification of the facts.
Western Union and AZIMO are a little more expensive, but the money is available within minutes!

Lazada´s new shipping fee policy since 24 July 2018 is non-transparent, a rip-off. Customer fully shoulder the shipping charge. Freight costs to Romblon over 1000 peso (standard) now. Lazada is rid of me as a customer who has ordered a lot there. I can no longer recommend Lazada Philippines to anyone. Better buy from the online store Zalora. Purchase for only 1000php with Zalora and get free shipping.