UKJASE is correct--- I transferred a larger than usual sum from Oz, I am with wise but have extra safety, -- Wise only has access to my Debit card, when I want to use I transfer from a different account, just move the amount I want into the Card & let Wise take.
Downside is they do have limits on Debit cards $16K , but can as many times as you want. I have done 3 a day once.
I first asked my bank in Oz for a better rate--they gave it to me , then I told my Bangkok bank (Local branch Issan ) that My bank will give me this exchange--they phone head office & came back with a better rate again (quite close to wise)
Make sure you have the (I think its <deleted>) paper work in case you fined you want to live in some other country some time-- this allows you to then transfer funds out of Thailand.