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Like you said, wise.com is better for big transfers. That schwab card is only an option for US residents.  I don't have that option so wise.com is what I do.  I also use some other services like MoneyGram/Remitly in countries where I don't have a bank account.

Edited by samiam123
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https://talk.thethaiger.com/topic/15318-wise-necessary/#findComment-223627
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