Wise works best for me. Good rates, very low charges, and in my experience instant to Thailand. WU is ok, but rates are usually poor. Swift transfers are good but can take a few days and rates/charges are bank dependent.
I agree. As a newbie, it is very complicated. So I sympathise...There are some very helpful comments, but even here they sometimes seem to contradict each other. I'm going to discuss my options at Maneerat in Pattaya, which seems to be a highly respected agency amongst expats.