5 stars: Excellent

Excellent interest rates

Excellent interest rates and are now doing TFSA and RRSP accounts. Progressive company and a breath of fresh air comparted to other banks and their exorbitant charges and terrible interest rates

4 stars: Great

I try this because it's online banking…

I try this because it's online banking i like it

4 stars: Great

The best savings rate in Canada

The best savings rate in Canada, this alone should have your attention.

Easy to set up online, works great, can transfer money in/out without hassle. Free interac transfers, another bonus point.

Now about the missing star: Transferwise international transfers would be an amazing feature... but: it does not have the memo field, which is essential for any payment to a business account, which needs to have a reference to an invoice, account, etc.
I tried to tell them that this feature is useless without a memo field, but I got the standard "we are continuously improving... bla bla". Please fix it, so we can really use this feature.
Transferwise itself supports this memo field, so what is the big deal ?