No, don't be silly. The app on my phone, Easy Currency Converter, merely shows the current rates for many currencies. Wise is always a tad higher than this shows.
Obviously the rate varies. Get the current ones from the relevant banks. What I got in May is irrelevant.
Currently 42.15 at Nationwide and 42.765 at Bkk Bank.
Coming 'this way' 43.2164 at Wise.
You could of course 'free up' 400k for 7 months every year, but then need to replace it. With combo method, you can spend the monthly transfer, as you will know.
Just back from UK with a few kilos of Tesco Thick Sliced Smoked Bacon, HP Sauce and Taylor's Breakfast tea. I shall join you sir.
My grandson is on Shreddies.
You've got me all wrong. I am English and could not give a 4uck about the Confederate flag, or your Master's Degree. I was just having a bit of fun with my reply. Sorry if it upset you.