That pain is so huge I just can't forget it. I am a Canadian resident , a dual Canadian-Hungarian citizen, my brother has accounts in Austria and Hungary, my clients are in the USA chiefly but also all over the EU. So international wires are quite a thing.

Here in Canada, the traditional way I could send money was going to a bank branch , fill out a very long form to be able to do a SWIFT transfer and pay through the nose for it.

Then came VBCE online, an FX company which was OK-ish except you needed to ask them to add everyone wiring you beforehands. And they demanded to have an up to date passport on file.

Then came transferwise and the world turned into a happy place.