@Andi **********
What most people who use WISE do never understand:
If you wish to do a FAIR comparison between a WISE transfer and the exchange of CASH in the BKK Airport basement, is the fact that on the WISE website, you must look at the exchange rate for which the money arrives in the recipient's bank account.
You mustn't look at the exchange rate WISE gives you! Because this is not the “end-rate” you receive. WISE will deduct fees, and that’s what many people do not take into account in their calculations
I can rest assure you: exchanging cash in the airport basement will ALWAYS give you a better rate than the one you get with a WISE transfer.