Is it very frequent??

One reply from Transferwise, regarding account deactivation, as posted in Trustpilot website:

This is the typical malaysian/asian attitude --> do not defend what is right, and accuse them what is wrong. In other words, no principle

Polite or not, the customer service has to be professional and not emotional. They cannot suspend your account just because customer is impolite.

And to be fair to you, I don't think what your email is impolite at all. You are just angry, which you have all the rights to be. They should be grateful you didn't use 4 letter words.

If I am in your situation, I will follow up right until the end, for them to honour my request. And restore my account. Whether to use them in the future that's up to me.

Of course, unless it is my wrong not providing enough documentation to them, then I will back off because I have no case....

Just for fun, I will try to register and transfer a small amount to see how is their service 

Never mind la.... No problem as I seldom transfer.

Just sometimes I need to exchange USD from DBS back to MYR and I am looking to receive more MYR.

But still, I scare my USD when remit from DBS to their bank in USD, they slow to credit me and I will marah again. Huhu

I sent IDR from DBS using SGD convertion and they have good rate too. I thought to do this from DBS to TW then to Indo but just noted it was deactivated. So, just let it goes...nothing to worry....

Marilah menari dan kuda terus lompak

Done ! Impressed !

Just verify email, upload ID document and utility bill. I have all these documents in soft copy so very smooth.

UI is very clean and simple. No connection hiccup.

For local fintech, the KYC process is longer. Need to make appointment to either video call or meet in person. Maybe that's BNM rules. This one is very simple.

Receive email for confirmation also very quick. Now see if my money appears in my bank tomorrow as promised.

The only thing I don't like is payment is not linked to my bank. Have to log in separately and make a transfer

Everything kaotim in 15-20 minutes I think.

The nett rates is just under 0.8xx% over XE.com middle rate. Good for small amount. Comparable to local fintech. I think there is no bank charges at receiving bank. So rates is better compare to banks

Fintech is great for us 

Welcome to the world of fintech. At least you are open minded

Another way you can save tone of money on exchange is via interactive broker. They let you convert currency at almost spot rate (differences is negligible).  The con is need to keep USD100k inside there in cash or stock and you won't get charged USD10/month.

As an old unker, I am more open minded than you as a youngman 

You are too engrossed in cost side. Most probably due to your upbringing so it's very difficult to change

I had IB years ago. But I cancel the account because the UI is so complicated. Anyway, I am out of stock market since mid last year

Them young 'uns will evolve / adapt OR DIE - like us dinos 

i used to focus only on offence.. until i tried both defence & offence.. holy smokes.. turbo!

edit: PS - WORTHWHILE defences, not the dimes & quarters.. else lost of time & focus cost more

Like a true sifu 

A miser might save dimes & quarters, but loses opportunities.

By opportunities I mean technical KnowWho, human relationship, reputation, track records....

I think it is safe to say nobody likes to be a close friend with a miser. A person who is not cincai. A person who reminds you 1 week later you still owe him RM2.65 from the last dinner.

Career wise, colleagues and bosses will not think of him if there is an opportunity.

In business, build up relationship and track records with the customer, suppliers and banks. Share profits with them. So next time you expand business they will also look at you positively.

These are things not quantifiable in numbers.

Kamprad was known for driving an old Volvo, recycling tea bags and taking home little packets of salt and pepper from restaurant visits. He was known as “Uncle Scrooge” and “The Miser” in the Swiss village of Epalinges, near Lausanne, where he moved in the 1970s before returning to Sweden a few years ago. He also avoided wearing suits and ties and traveled coach when flying.

Ikea’s corporate culture mirrors Kamprad’s celebration of frugality. Executives of the company travel on low-cost airlines and lodge in budget hotels. Its employees follow a basic pamphlet written by Kamprad in 1976, “The Testament of a Furniture Dealer,” which states that “wasting resources is a mortal sin,” and stipulates Ikea’s “duty to expand.”

While what you said is generally accepted true, no challenge to that, I would like to share the story of the founder of Ikea:

Ingvar Kamprad
There is no one-size-fit-all method to find success, everyone has to figure out which way work best for himself/herself.

Like a true sifu 

A miser might save dimes & quarters, but loses opportunities.

By opportunities I mean technical KnowWho, human relationship, reputation, track records....

I think it is safe to say nobody likes to be a close friend with a miser. A person who is not cincai. A person who reminds you 1 week later you still owe him RM2.65 from the last dinner.

Career wise, colleagues and bosses will not think of him if there is an opportunity.

In business, build up relationship and track records with the customer, suppliers and banks. Share profits with them. So next time you expand business they will also look at you positively.

These are things not quantifiable in numbers.

Yea always there are exceptions.

While you can quote me one super wealthy miser, I can quote you 10. Just do a research on the wealthiest people in the world and how they live

Banks are not your best friend. Never will and will never be. In times of your need they don't help you. In good time, they try to profit from you.

Are you willing to share your profit with people like them?  Not me. Sorry.
Warren buffet also another one. He have resources to live like a king but yet he stayed down to earth. Same goes with Bill D gates.

I did not experienced this myself but apparently some users do.
There was a time with SGD transfer, TW warned me beforehand that the transfer will take longer than usual, due to a glitch in their system.

Bro, not trying to convince you actually. I know you will always be a miser....nothing can change that probably due to your upbringing

If you read back, I am just saying I am more open minded than you as a young man 

When I hear of all these comments abt TW,... I'd stay faraway from this particular fintech,.. just locking an account like that,...

I think should not be locking an account just like that without any court orders,...

I made appeal to reactivate the account but they replied "after considering your appeal, we would unable..."

How much do you have locked inside that account ?