My Wise card is a visa card.
I never used it at ATM since I have a Bangkok Bank debit card. Withdrawals with Wise would cost local fees.
I made several purchases with it but only online, like with Agoda.
I used it with AirBnb too. My Bangkok Bank debit card cannot work on AirBnb. Wise card does which is strange because I have several payments so it works as a credit card at least with AirBnb