Yes losing money. Sorry. I started with WU, but caused problems after opening several accounts to avoid problems bought about by assisting Thais, they see as unreliable but let's leave that alone. I compared the 2 you mentioned and others and find Remitly the best as they don't increase their fee depending on how much, plus it's in your bank in minutes. Your exchange rate is weaker but less delay, depending on your need, as rates vary every day.