I don't have a Wise bank account either. I simply transfer from bank to bank via Wise. I don't keep anything in any Wise account. It's a transfer that takes a few hours. Never had a problem
Sounds like you're using a card for payment. If you use bank transfer there's no fee, not even with SCB, as it's classified a domestic transfer from the Thai bank account of Wise into another Thai bank account
Keep in mind two things, you cannot apply for a DTV whilst in Thailand, and secondly no landlord will accept a conditional lease agreement. At best you can rent an apartment and pay the 2 months + 1 month upfront and simply forfeit if you don't go ahead
I'm also DTV holder but maintain an apartment in Bangkok. I travel extensively but for immigration purposes I have been at the same address for seven years. In your case yes, you'd have to do it on a case by case situation