I usually (not always) check with WU and they have done a LOT recently to improve their rates. If they are beating Wise now, great. I have yet to see it though for CAD, MXN or PHP transfers
in all fairness, Stuart has handed you your ass here again. It's like you came to a gunfight armed with toothpicks. I don't know how much more of an online ass kicking you can take without just hiding your head for awhile in humiliation. Take a breather, do some reading. Look for a personality while on your break.