I was hesitant at first because I do not personally know anyone who uses Remitly. I have been using Western Union who charges high rates for money transfers. I was recently looking for an option that does not charge so much and I stumbled over Remitly. I decided to give it a try, was very anxious as I did it over the New Year Holidays when, obviously, the process took longer. I bugged Remitly by e-mail almost daily and I was surprised by how responsive they were. Ultimately, the money ended up where it was meant to be and more importantly - on time, as promised by the Customer Service Agent who was corresponding with me. The best part? I got the highest conversion rate and didn't even spend a dime for the transfer! I am totally switching. Well done, Remitly!