No apology required, we only know what we know.
It is personal choice which account to use, but considering WISE as the Plan B is a smart move IMO.
WISE don’t make money on Sterling to Sterling transfers (neither do HSBC)……. WISE do charge on currency transfers but their exchange rates are always much better than, say, HSBC, that makes them the best choice for moving Baht to Thailand. WISE transfers are often immediate and can also be made at a weekend.