"This service is faaaaaarrr from instant. I sent a transfer on Friday and they have still not posted the money in the account it was transferred to. The only reason I used the service was because they said it could be completed anywhere from less than 1 hour to up to 24 hours. I am naturally a patient person, but even I have my limits. I wish I would have read these reviews before initiating my transaction, I am at the point where I wish it was just cancelled and have my money returned and forget the whole thing."