I have the pensioner LTR. I doubt you will be approved if you can’t submit 1-2 years of tax returns showing passive income. There is no cost to trying but I don’t think it will happen. I applied for my pensioner LTR in 2022 while I was in Thailand on an OA visa. It was easy to apply online from inside Thailand. When you go to get your LTR stamp in your passport they will move you from your existing visa to the LTR.
This happened to a friend of mine. His Westpac Bank blacklisted Wise as a potential scam alert.
CBA have probably blacklisted Wise in their system. Many computer scammers use Wise when they trick their victims into transferring money internationally.
I suggest you contact the bank (online or phone) and have them flag your account to allow payments to Wise. My friend did this with Westpac and no problems since.
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