Whatever you do, don't use XE. I just sent a couple of thousand dollars from Canada through them because they gave me a special rate, about 200 baht better than wise. It was supposed to take minutes. I sent them the money, they received it in about 20 minutes. Now they want me to verify my id, phone number, how frequently I want to transfer, how much per year, etc before they will complete the transfer. They should have done that before they accepted my money. I transferred a similar amount with wise and it was there overnight.
I told XE to cancel the transaction and put the money back in my account. We'll see how that goes.