Any legitimate messaging from Wise would also be sent via the Wise mobile application. You can always check there for validity.
Also, if you do follow a web link and use your login, if it's legitimate you should be prompted to approve the log in on the mobile app as second factor authentication. If no prompt on your phone then you've been phished.
I think you're comparing apples to oranges. Rank the cities of each country by population and the infrastructure spending distribution makes sense. Also, it's worth noting that Thailand has less than half the overall population density of Vietnam.