Does anyone else use Scwab to transfer to their Thai bank account? Does it work or do I have to use wise? TIA

This question is for Americans with a Schwab account. I have downloaded Wise and connected it to my account. Now I did a direct transfer last year when I paid for my Elite Visa and there were no issues at all. My question is what benefits, if any, are there to using Wise instead of just doing a direct transfer from Schwab? Shoule I use Wise when I move in July or skip the middle man? Thanks for your answers!

What American banks have the best fees for ATMs internationally and work well in thailand?

Options and suggestions for moving baht from Bangkok Bank to a US bank (Schwab)?

BB says it will cost 1150 b to do a swift transfer, with exchange to USD. Not too much, rate seems standard, no charge from Schwab.

DeeMoney doesn't seem as good, but the rates may not be up-to-date.

Thanks

I have been reading about not being able to send more than 50KTHB to Bangkok bank due to money laundering laws... HOW does one get 800KTHB into an account to apply for retirement. Will a wire transfer from a fidelity or schwab account have the same restriction? I am currently OUTSIDE Thailand.