I think you might be right about the policies as written, but one can make a reasonable argument that behaviour in practice is relevant, and that one might generally like to promote diversity in the market place instead of one powerful incumbent.
So if Transferwise and PayPal are equally bad, you might still want to give your business to the smaller company?
> So if Transferwise and PayPal are equally bad, you might still want to give your business to the smaller company?
Actually, it is not that straightforward. One should check what kind of customer service is available, where are they located, who has access to the account and information and yada yada yada.
PayPal is a much safer choice than Wise in this aspect.
So if Transferwise and PayPal are equally bad, you might still want to give your business to the smaller company?