I did a test transfer from Altery to Kraken and the send email from Altery and the receive email from Kraken were timed just two minutes apart. However, when I tested a transfer to Fiat24 (another @JohnnyDoe top tip) the transaction was refunded back to Altery. At this stage I am not convinced that the 'Within Europe' SEPA info is customer unique as there are notes in the FAQs that suggest also quoting your Altery ID as the IBAN is Corporate wide. If this was the case it would explain why Fiat24 rejected the transaction. That said, I underwent my usual customer services test and spoke to a human within one minute (in fact the auto message actually says you are being transferred to a human!). Comms after that was excellent via the in App support chat. Hope this helps.