Anyone have experience with or opinions on the various P2P services for international currency transfer? TransferWise, CurrencyFair, Azimo, Midpoint or others? Fees and exchange rates are way lower than any of the traditional methods (bank transfer, xe.com, international wire, etc.) How is security, reliability, speed of transfer completion, etc? Alternately, thoughts on USFOREX? Their rates appear to be better than xe.com, but not as good as the P2P services.