I had an account with TW now called Wise, transfering money to Thailand for my childs pvte education in Bururam, out of the blue they stopped my account, managed to finally text them and requested a review, still said no and no reason given, I had a residual sum of money about 2000 dollars and to date that has not been returned to me. I spoke with an international broker that suggested that when these companies reach a certain daily new listings they can cancell say a 100 accounts each with about a 1000 dollars citing govt money laundering laws and then invest the money on the open market before finally returning it. I believe that is exactly what WISE did and on researching find I am not the only one. BEWARE of WISE!!!. Happened about 2 mths ago. I did not use them much but was stupid enough to leave money in the proxy account.