I'm glad you mentioned this...and that is exactly what︂ I was referring to when I wrote:
If one can't afford to spend 4 digits︃ to really have boots-on-the-ground experience, how can anything any of us say provide them the︄ guarantee they are seeking? 🙄
If one reads Glassdoor and other similar sites, there is a︅ HUGE attrition ratio at banks, exchanges, and other FIs now. All those beautiful and helpful︆ people I had at Wegelin, Banca Monte Dei Paschi di Siena, BSI, Credit Suisse, etc︇ have disappeared now. Some retired, some moved to other industries, and some moved to other︈ banks that limited their latitudes. So many new and strange faces now with so many︉ new demands that even the regulators have not inked on paper. I have accounts that︊ are +30 years old and some bank monkeys have asked for audited financials, SOF, SOW,︋ etc, etc. Luckily, I "expected" this by reading this forum and reading the experiences of︌ others.
My experience with Wise was great until it wasn't anymore. Apparently, +€6K expenses per︍ month (groceries, pharmacy, medical check-ups, supplements, TRT, restaurants, insurance, fuel) were beyond their appetite risk.︎ I submitted their requested documents and they refused them all, so I cleared my account️ & "bounced". I only regret NOT having left earlier the moment they asked for the first piece of document. I had to close my account and leave instead of d1cking around with them. My only regret with them. cry&¤
I have tried most of the banks, FIs, and exchanges mentioned on OCT with the exceptions of those that require huge upfront application fees. Most are above average in today's terms. Some are excellent. Some are comme ci, comme ça. What we were able to do pre-2010 is no longer available. I lament this every day!
Good luck!
