Has anyone tried using TransferWise or YouTrip in Thailand?

Both are viable and great options! Personally I have an account for both products but only a card from YouTrip since the card serves the same purpose of exchanging money at great rates. I remember using my YouTrip card in a couple of my trips and had no problem with ATMS.

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Otherwise Wise seems to have for functions such as transferring money and investing (I think).

I've tried YouTrip when I was in Thailand and it works perfectly. Just note that most of the merchants only accept cash as payment rather than card. However, I will switch to Wirex since the rates are as competitive plus I get cryptoback for every in-store transactions which YouTrip doesn't offer.