Did the maffs. Wise will make up thousands morebaht on the exchange rate than the fees, if forex done at same time. SWIFT could be better if exchange rate moves in my favor over the 1-2 days I have to wait for it to reach the bank. Or could be worse depending on tomorrow's tariff tantrum.
No need for FTT coding in this case. That would only slow the transfer.
But now we know there are live humans working at Wise and available to assist. Wise website offered help with transaction by email, chat, or phone.
Logged onto chat, had a live agent within a few minutes. When selecting to have them call my registered phone number, they called within 30 seconds.