I use it regularly with no problems, except recently there have been delays for over 50K THB transfers to Bangkok Bank. Additionally the next best transfer rate I’ve found is with the XE app, it sometimes beats Wise but I’ve never actually used it. This website compares foreign exchange transfer rates..
Thanks for the prompt reply. My first year insurers were a U.K. company ‘Go Walkabout Travel’ who were happy to provide the required certificate for both OA and Covid. I was hoping to use them again?