@Nancy *****
it's all done by Wise themselves. I don't have a wise bank account like some people have. Wise redirects you to your UK bank website to authorize the transaction.Just go on the wise website, tell them you want to make a transfer to Thailand and which UK bank they can take the money from (acc. No etc) and you automatically get taken to your bank online site to authorize Wise. Once the transaction is authorized it takes around 6 seconds to get to your Thai bank account ( really). I've used them for years.