what a load of tosh…. Wise does not have bad reputation and wise will always give you better rate and lower fees than a local bank. Transfers are instant to some countries and within pre-agreed time to others. Never had problems with Wise.
The only way around is non-o which does not require insurance. Even with no pre-existing conditions the Non-OA was so complicated i opted for non-o instead (even insurance agent advised me so).