So, the promised review:
We have an account with Intergiro for a little bit more than a half of a year.
The onboarding was pretty smooth; not extremely fast (several weeks) but I understand that our business setup is rather complex; and it was performed nicely –
all the people who were in contact with us were very friendly, and competent: no stupid questions, all just to the point; and reasonable explanations were accepted without obstacles. Also the documents requested were in accordance with a common sense, no idiotic demands.
We obtained both SEPA and SWIFT accounts with dedicated IBANs, the SEPA IBAN belongs directly to Intergiro, the SWIFT one is with The Currency Cloud Ltd. (London).
Since accounts opening we performed a series of payments, both SEPA and SWIFT, in & out, 4-5 figures – absolutely no problems. SEPA works as it should and SWIFT is really fast (no surprise for me as The Currency Cloud is concerned). Perhaps once our partner was asked for a documentation – but no remarkable delay. We have some cards, both virtual and plastic, too – no problems whatsoever.
There is an e-mail (freely addressable, i.e. not via some stupid web form) and chat (from inside the web interface or the mobile application) support, no phone support. But the chat support, that can be transferred to the e-mail support after being initialised, is almost instant, max. 15-20 min or less.
The web interface is OK, perhaps (from the IT point of view) too much resource-hungry but works fine. It is under development. I cannot say much about the mobile app, as we used it only during the onboarding (inevitable for a verification). Otherwise, we prefer a larger display
Pros:
– Trustworthy jurisdiction.
– Friendly and competent staff; they use brains when solving issues – I have not met any trained monkey (yes, almost unbelievable;
@JohnnyDoe, believe or not
)
– A reasonable pricing.
– Reliable payments, SWIFT (in our case) being especially fast.
Cons:
– They do not operate with many currencies. Just main European (including all Scandinavian – understandable), USD, AUD, CAD.
– They cannot accept payments from many countries outside of Europe – but the main global business destinations are covered (it perhaps may vary according to what bank is dedicated to your SWIFT payments). But outgoing transfers are almost unlimited, except a few countries like Iran or North Korea etc.
– No e-mail or SMS alerts about changes of the account balance. You must use the web interface or the mobile app to check.
– The older version of the web interface did not work well in all browsers (namely in Firefox family), it was worth using some from the Chromium family. (The current one we did not tested in another browser than Vivaldi, so I do not know.)
My resume: For Europe-oriented business
really good. For non-European business – acceptable.