I just checked requirements and the application process for a tourist visa from Nigeria. It's not far from applying for an O-A Visa (except for financial requirements) from for example Europe,and this is just a simple tourist visa. 😁
After a few, maybe just a couple of transfers via Wise, you won't have to chose reason yourself if using same reason. Wise will use the previous one automatically. For me "Funds for long term........." is always there. I just have to enter the amount. Pretty neat imo.