| 词条 | TransferWise |
| 释义 |
|name = TransferWise |logo = Transferwise.svg |logo size = 250px |logo alt = |collapsible = |screenshot = |screenshot size = |screenshot alt = |caption = |type = Private company |traded as = |founded = |dissolved = |predecessor = |successor = |location = London, United Kingdom |country of origin = |locations = |area served = Global: Europe, US, Canada, Asia-Pacific, Latin-America |founder = |chairman = |chairperson = |president = |CEO = |MD = |GM = |key people = Taavet Hinrikus (Founder, Executive Chairman) Kristo Käärmann (Founder, CEO) |industry = |products = |services = Financial services |revenue = |operating income = |international = |net income = |assets = |equity = |owner = |employees = 1000+ (2018) |parent = |divisions = |subsidiaries = |url = {{url |https://transferwise.com }} |programming language = |ipv6 = |alexa = {{increase}} 3,713 ({{as of|2018|06|09|alt=June 2018}})[1] |website type = |advertising = |registration = Yes |users = |language = Multilingual |launched = {{Start date and age|df=yes|2011}} |current status = Active |native clients = |footnotes = }}TransferWise is a UK-based money transfer service launched in January 2011 by Kristo Käärmann and Taavet Hinrikus with headquarters in London and offices in a number of cities including Tallinn, New York and Singapore.[2][3][4] The company supports more than 750 currency routes across the world including GBP, USD, EUR, AUD and CAD, and provides multi-currency accounts.[2] In 2018 TransferWise's net profit reached $8 million[5] and its customer-base reached 4 million, who collectively transfer around $4 billion per month.[6] The concept was to match transfers with other people and then have a small commission while using the inter-bank mid exchange rate, unlike traditional currency transfers where there are buy and sell rates and the broker takes the difference between the two. HistoryTransferWise was founded by Taavet Hinrikus, Skype's first employee[7], and financial consultant Kristo Käärmann. As Estonians working between their native country and the UK, they had personal experience of the "pain of international money transfer"[8] due to bank charges on the amounts they needed to convert from euros to pounds and vice versa. In the words of Hinrikus, "I was losing five per cent of the money each time I moved it. At the same time my co-founder Kristo Käärmann (also from Estonia) was starting to get paid in the UK and was losing a lot of money transferring cash back home to pay for a mortgage there".[9][10] In February 2012, their approval with the UK financial regulator was finalised.[13] In April 2013, they stopped letting users purchase Bitcoin, citing pressure from banking providers.[14] In its first year, transactions through TransferWise amounted to €10 million.[15] In May 2017, the company announced its customers were sending over £1 billion every month using the service.[16] In May 2016, TransferWise's claim "you save up to 90% against banks" was considered as misleading by the Advertising Standards Authority.[17] According to independent comparison site Monito.com, Transferwise was actually on average 83% cheaper than the big four UK banks on major currency "routes", but could be up to 90% cheaper in some occasions.[18] In April 2017, an internal memo from Santander showed how much the bank was making from its charges on international money transfer and how much it could lose to new entrants, specifically TransferWise.[19] In April 2017, it announced its decision to move its European headquarters from London to the European continent due to Brexit.[20] The same month, the company announced its APAC hub in Singapore[21] after becoming one of the first remittance companies to be allowed to offer online verification in Singapore.{{Not in citation|date=April 2019}} In May 2017, TransferWise launched a new service, the Borderless account. Initially the account is for businesses and freelancers with an account and card for consumers planned for later in the year.[22] The Borderless account was available in Europe and the US at launch.[23] A multi-currencies Mastercard debit card was launched in January 2018 for customers located in the European Union and support was later added for customers in the United States with more countries expected to follow in 2019.[24] Also in May 2017, the company announced it had been operationally profitable since the beginning of the year.[25] Transfer processTransferWise routes most payments not by transferring the sender's money directly to the recipient as it is in the case of SWIFT, but by matching the amounts with other TransferWise's users sending the other way around. TransferWise then uses these pools of funds to pay out transfers via local bank transfer.[26] This process avoids currency conversion and transfers crossing borders.[27] In 2012, the company's charges were €1—in 2015 raised to €2, £2, $3 etc. (depending on the currency sent)—or 0.5%, whichever is larger, in or of an equivalent amount in the customer's currency.[8] In 2018, TransferWise revamped its fee structure to a percentage of the amount alongside a fixed fee (for ex £0,80 + 0,35% when sending from GBP to EUR). TransferWise's system has been compared to the hawala money transfer system.[28][29][30][31] Borderless AccountTo setup the borderless account[32], prior personal identity verification is needed. Once a user is approved for this account, they can hold multiple currencies concurrently, and decide when to make a transfer to best suit their financial needs. Personal local bank details can also be issued in a handful of currencies to receive payments from third parties, therefore avoiding the use of SWIFT transfers or having the sender register withTransferWise. This is similar to having a multi-currency brokerage account. InvestorsTransferWise received seed funding amounting to $1.3 million from a consortium including leading venture firms IA Ventures and Index Ventures, IJNR Ventures, NYPPE as well as individual investors such as PayPal co-founder Max Levchin, former Betfair CEO David Yu, and Wonga.com co-founder Errol Damelin.[33] TransferWise also received investment after being named one of Seedcamp 2011's winners.[34] In May 2013 it was announced that TransferWise had secured a $6 million investment round led by Peter Thiel's Valar Ventures.[35] TransferWise raised a further $25 million in June 2014, adding Richard Branson as an investor.[36] In January 2015, it was announced that TransferWise had raised a $58 million Series C round, led by investors Andreessen Horowitz.[37] In May 2016, TransferWise secured a funding of $26 million, that raised the company's valuation to $1.1 billion. As of May 2016, TransferWise has raised a total of $117 million in funding.[38] In November 2017, the company raised a $280 million Series E led by Old Mutual Global Investors and IVP, as well as Sapphire Ventures, Japanese Mitsui & Co, and World Innovation Lab[39]. The company's revenue reached $151 Million in September 2018.[40] Media attentionNamed as one of "East London's 20 hottest tech startups" by The Guardian,[41] TransferWise has also been picked as a Wired UK Start Up of the Week[42] as well as being listed as number 12 in Startups.co.uk's list of the top 100 UK start-ups of 2012.[43] TransferWise was also named by TechCrunch as one of five "start-ups to watch" at Seedcamp's 2012 US Demo Day.[44] In May 2015, Transferwise was ranked No. 8 on CNBC's 2015 Disruptor 50 list.[45] In August 2015 the company was named a World Economic Forum Tech Pioneer.[46] See also
References1. ^{{cite web|url=http://www.alexa.com/siteinfo/https%3A%2F%2Ftransferwise.com|title=transferwise.com Traffic Statistics|publisher=Alexa Internet|accessdate=9 June 2018}} 2. ^1 {{cite web |last=Bryant |first=Martin |title=Money may make the world go round, but at what cost?|url=https://www.bbc.co.uk/news/business-31639262|publisher=BBC|accessdate=1 April 2015}} 3. ^{{Cite news|url=https://www.bloomberg.com/news/articles/2017-05-23/transferwise-steps-toward-banking-with-multicurrency-account|title=TransferWise Steps Toward Banking With Multicurrency Account|date=2017-05-23|work=Bloomberg.com|access-date=2017-05-31}} 4. ^{{cite web |last=Bryant |first=Martin |title=TransferWise valued at $1bn by top Silicon Valley venture capital fund |url=https://www.independent.co.uk/news/business/news/transferwise-valued-at-1bn-by-top-silicon-valley-venture-capital-fund-10002618.html|publisher=The Independent|accessdate=1 April 2015}} 5. ^{{Cite web|url=https://www.forbes.com/sites/jeffkauflin/2018/09/09/heres-how-transferwise-has-nearly-quadrupled-revenue-in-two-years-reaching-151-million/|title=Here’s How TransferWise Has Nearly Quadrupled Revenue In Two Years, Reaching $151 Million|last=Kauflin|first=Jeff|website=Forbes|language=en|access-date=2018-12-25}} 6. ^{{Cite web|url=https://venturebeat.com/2018/09/10/transferwise-reports-75-revenue-growth-as-customer-base-doubles-to-4-million/|title=TransferWise reports 75% revenue growth as customer base doubles to 4 million|date=2018-09-10|website=VentureBeat|language=en-US|access-date=2018-12-25}} 7. ^{{Cite news|url=https://www.wired.co.uk/article/taavet-hinrikus-transferwise-skype-estonia|title=Has Skype lost its way? Taavet Hinrikus reveals what the company taught him|last=Temperton|first=James|date=2016-11-03|work=Wired UK|access-date=2019-04-02|issn=1357-0978}} 8. ^1 {{cite web|url=http://yhponline.com/2012/03/20/taavet-hinrikus-transferwise/|title=Skype's first employee: How Taavet Hinrikus left Skype and founded TransferWise|last=Ajilore|first=Joseph|date=|website=|publisher=YHP|accessdate=1 October 2012}} 9. ^{{cite web|last=Lytton-Dickie|first=Tom|title=How TransferWise is making international money transfers transparent?|url=http://www.hottopics.ht/stories/finance/how-transferwise-making-international-money-transfers-transparent/|publisher=Hot Topics|accessdate=27 January 2015|deadurl=yes|archiveurl=https://web.archive.org/web/20150225011012/http://www.hottopics.ht/stories/finance/how-transferwise-making-international-money-transfers-transparent/|archivedate=25 February 2015|df=dmy-all}} 10. ^{{cite web|last=Griffith|first=Gabriella|title=Q&A: Taavet Hinrikus, co-founder of TransferWise which has landed $1.3 million funding|url=http://www.londonlovesbusiness.com/entrepreneurs/start-ups/qa-taavet-hinrikus-co-founder-of-transferwise-which-has-landed-13-million-funding/2158.article|publisher=London Loves Business|accessdate=1 October 2012}} 11. ^{{cite web|title=TransferWise was born out of frustration|url=http://transferwise.com/about|publisher=TransferWise|accessdate=1 October 2012}} 12. ^{{cite web|title=Can TransferWise transform money transfers|url=http://www.mindfulmoney.co.uk/mindful-news/can-transferwise-transform-money-transfers/|publisher=Mindful Money|accessdate=1 October 2012}} 13. ^{{cite web|url=https://transferwise.com/blog/2012-02/financial-services-authority-approves-transferwise-without-limits/|title=Financial Services Authority approves TransferWise without limits|accessdate=13 October 2014}} 14. ^{{Cite web|url=https://transferwise.com/help/questions/2759169/bitcoin|title=Bitcoin {{!}} TransferWise Support & FAQ - International Money Transfer|website=transferwise.com|language=en-us|access-date=2017-05-31}} 15. ^{{cite web |last=Bryant |first=Martin |title=Peer-to-peer currency exchange service Transferwise handles $13.4m in its first year |url=https://thenextweb.com/insider/2012/02/28/peer-to-peer-currency-exchange-service-transferwise-handles-13-4m-in-its-first-year/|publisher=Insider|accessdate=1 October 2012}} 16. ^{{Cite web|url=https://www.cnbc.com/2017/05/17/fintech-unicorn-transferwise-achieves-first-profit.html|title=Fintech unicorn Transferwise achieves first profit|last=CNBC.com|first=Neil Ainger, Writer at|date=2017-05-17|website=CNBC|access-date=2017-05-31}} 17. ^{{Cite web|url=https://www.asa.org.uk/Rulings/Adjudications/2016/5/TransferWise-Ltd/SHP_ADJ_312197.aspx#.WDK2w_krJhF|title=ASA Ruling on TransferWise Ltd|last=|first=|date=2016-05-04|website=|publisher=|access-date=2016-11-21}} 18. ^{{Cite web|url=https://www.monito.com/blog/transferwise-cheaper-banks/|title=TransferWise – Are they that cheap or is it just (inaccurate) advertising?|last=|first=|date=2016-05-26|website=www.monito.com|publisher=Monito|access-date=2016-11-21}} 19. ^{{Cite news|url=https://www.theguardian.com/money/2017/apr/08/leaked-santander-international-money-transfers-transferwise|title=Revealed: the huge profits earned by big banks on overseas money transfers|last=Collinson|first=Patrick|date=2017-04-08|work=The Guardian|access-date=2017-05-31|language=en-GB|issn=0261-3077}} 20. ^Kelly, Jemima (12 April 2017). Brexit prompts Transferwise to move Europe headquarter from UK to continent. Reuters. Retrieved 30 April 2017 21. ^{{Cite web|url=https://techcrunch.com/2017/04/27/transferwise-asia-singapore-office/|title=TransferWise moves into Asia Pacific with opening of regional HQ in Singapore {{!}} TechCrunch|last=Russell|first=Jon|access-date=2017-05-31}} 22. ^{{Cite web|url=https://techcrunch.com/2017/05/22/borderless-banking/|title=TransferWise launches ‘Borderless’ account for businesses, sole traders and freelancers {{!}} TechCrunch|last=O'Hear|first=Steve|access-date=2017-05-31}} 23. ^{{Cite news|url=https://www.forbes.com/sites/tomgroenfeldt/2017/05/24/fintechs-are-surpassing-banks-on-cross-border-payments/2/#2c845cb3eb51|title=FinTechs Are Surpassing Banks On Cross-Border Payments|last=Groenfeldt|first=Tom|work=Forbes|access-date=2017-05-31}} 24. ^{{Cite news|url=https://www.freedomsurfer.com/transferwise-borderless/|title=TransferWise Borderless|last=Simon Vaillancourt|date=8 December 2018|work=Freedom Surfer|access-date=8 December 2018}} 25. ^{{Cite news|url=https://www.bbc.co.uk/news/business-39943651|title=TransferWise becomes profitable six years after being founded|date=2017-05-17|work=BBC News|access-date=2017-05-31|language=en-GB}} 26. ^{{Cite news|url=https://www.forbes.com/sites/jeffkauflin/2018/09/09/heres-how-transferwise-has-nearly-quadrupled-revenue-in-two-years-reaching-151-million/#5f2b4c3f2c69|title=Here’s How TransferWise Has Nearly Quadrupled Revenue In Two Years, Reaching $151 Million|last=Kauflin|first=Jeff|work=Forbes|access-date=2018-11-27|language=en}} 27. ^{{cite news|last1=Price|first1=Rob|title=How TransferWise Works|url=http://uk.businessinsider.com/how-transferwise-works-2015-1|accessdate=24 February 2015}} 28. ^{{cite news|author1=Price, Rob |title=London's $1 Billion Finance Startup TransferWise Is Just Like An Ancient Islamic Money Transfer System|url=http://www.businessinsider.com.au/transferwises-similarities-to-hawala-2015-1|accessdate=19 October 2015|work=Business Insider|date=27 January 2015}} 29. ^{{cite news|author1=Marco della Cava|title=London's TransferWise aims to disrupt banking|url=https://www.usatoday.com/story/tech/2014/08/16/transferwise-takes-on-banking-money-transfer-fees/13622337/|accessdate=19 October 2015|work=USA Today|date=18 August 2014}} 30. ^{{cite news|author1=Bennett Voyles|title=Online money transfers and the "Skype" of money|url=http://forbesindia.com/article/ckgsb/online-money-transfers-and-the-skype-of-money/40999/1|accessdate=19 October 2015|work=Forbes India|date=9 September 2015}} 31. ^{{cite news|author1=Leander Bindewald|title=You need never use a bank again. Here's why|url=https://www.theguardian.com/sustainable-business/2015/jul/07/banking-sector-credit-unions-local-currency-money|accessdate=19 October 2015|work=The Guardian|date=8 July 2015}} 32. ^[https://www.forbes.com/sites/curtissilver/2018/04/18/transferwise-borderless-banking-bonks-blistering-bank-fees/#b98cb6d15b0c Forbes News] 33. ^{{cite web|last=Johnson|first=Bobbie|title=Transferwise unveils Levchin, other superstar backers|url=http://gigaom.com/europe/currency-startup-transferwise-unveils-superstar-backers/|publisher=Gigaoam|accessdate=1 October 2012}} 34. ^{{cite web|title=TransferWise|url=http://www.seedcamp.com/companies/transferwise|publisher=Seedcamp|accessdate=1 October 2012}} 35. ^{{cite web|last=O'Hear|first=Steve|title=P2P Currency Exchange TransferWise Raises $6M Led By Peter Thiel’s Valar Ventures, With Participation From SV Angel, Others|url=https://techcrunch.com/2013/05/13/tw/|publisher=TechCrunch|accessdate=12 July 2013}} 36. ^{{cite web|last=O'Hear|first=Steve|title=Now Backed By Sir Richard Branson, TransferWise Raises $25M For Cheaper Money Transfers|url=https://techcrunch.com/2014/06/09/cheeky-transferwise/|publisher=TechCrunch|accessdate=9 June 2014}} 37. ^{{cite web|last=Price|first=Rob|title=London Cash Startup TransferWise Is Now Worth $1 Billion|url=http://uk.businessinsider.com/transferwise-58-million-andreessen-horowitz-2015-1|publisher=BusinessInsider|accessdate=31 March 2015}} 38. ^{{Cite web|url=https://techcrunch.com/2016/05/25/money-transfer-company-transferwise-raises-further-26m-at-1-1b-valuation/|title=Money transfer company TransferWise raises further $26M at $1.1B valuation|last=O'Hear|first=Steve|website=TechCrunch|access-date=2016-05-25}} 39. ^{{Cite web|url=https://www.ivp.com/news/press-release/transferwise-announces-280m-investment-round-as-company-focuses-on-new-products-and-apac-expansion/|title=IVP|last=|first=|date=|website=|archive-url=|archive-date=|dead-url=|access-date=}} 40. ^{{Cite news|url=https://www.forbes.com/sites/jeffkauflin/2018/09/09/heres-how-transferwise-has-nearly-quadrupled-revenue-in-two-years-reaching-151-million/#d4281202c69d|title=Here’s How TransferWise Has Nearly Quadrupled Revenue In Two Years, Reaching $151 Million|last=Kauflin|first=Jeff|work=Forbes|access-date=2018-09-14|language=en}} 41. ^{{cite news|last=Silver|first=James|title=East London's 20 hottest tech startups|url=https://www.theguardian.com/uk/2012/jul/08/east-london-20-hottest-tech-companies|work=The Guardian|date=8 July 2012}} 42. ^{{cite web|title=Startup of the Week: TransferWise|url=https://www.wired.co.uk/news/archive/2012-08/22/startup-of-the-week-transferwise|work=Wired|accessdate=1 October 2012}} 43. ^{{cite web|title=The 2012 Startups 100: revealed|url=http://www.startups.co.uk/transferwise-taavet-hinrikus-and-kristo-k%C3%A4%C3%A4rmann-startups-100.html|publisher=Startups|accessdate=1 October 2012}} 44. ^{{cite web|last=Taylor|first=Colleen|title=5 Startups to Watch from Seedcamp's 2012 US Demo Day|url=https://techcrunch.com/2012/02/29/5-startups-to-watch-from-seedcamps-2012-us-demo-day-tctv/|publisher=TechCrunch|accessdate=1 October 2012}} 45. ^{{cite web|title=Meet the 2015 CNBC Disruptor 50 companies|url=https://www.cnbc.com/id/102609977|publisher=CNBC|accessdate=12 May 2015}} 46. ^{{Cite news|url=http://www.cityam.com/221702/world-economic-forum-tech-pioneers-transferwise-and-mike-lynchs-darktrace-among-four-uk-firms|title=Four UK firms named tech pioneers by WEF|last=Barber|first=Lynsey|date=2015-08-05|access-date=2016-11-13}} External links
7 : Companies based in the London Borough of Hackney|Electronic funds transfer|Foreign exchange companies|Estonian inventions|2011 establishments in England|Companies established in 2011|Estonian websites |
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