I've been using Wire (and TransferWise) for years now, it used to arrive in seconds or minutes every time - no problems until a couple months ago when all of a sudden every transfer says "in seconds" then before completion switches to 5 business days which is ridiculous. This is US banks (tried 2 different ones).
When contacting Wise support I was told that "we do not have a direct debit agreement with that bank so there is a delay". This is for an account that worked fine for years, mind you.
Something definitely changed/broken on their end, but not sure what. A "workaround" I found was to use debit card to pay, which processes in 30 minutes - but the fee is double.
Are there any alternatives to Wise that operate similarly with low rates? I'm tired of paying double fees every time now.