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Wise is raising fees again for transfers between the US and Thailand from 8.84 to 10.98 (for a $1000 transfer), which is a pretty steep increase. They're recommending funding the transfers from a Wise account , which they say is cheaper, although it requires a 2-step transfer and funding the Wise account. Does anybody use a Wise account? How long does a transfer take? Any pros and cons?

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