I have looked into transferring money using Wise, and for me it's just not practical, so I'm stuck with using my bank, the ANZ to transfer $200K to Thailand. What makes more sense, to transfer in $AUD and have to pay 3% for the privilege, or transfer in Thai Baht which is free but I'll lose on the exchange rate? How does ANZ justify charging 3% is beyond me, that's $6000 on $200K.