Cost efficient way to fund IBKR

I initially used Wise to fund my IBKR when I set it up. Now that I do want to fund it with ₱100k, I realized how expensive the transaction fees are and that Wise places a 40k transaction limit, doubling the transaction fees if I wanted to convert into dollar and deposit into my account.

Do you have recommendations on cheaper ways to fund your IBKR? I’ve gone to BPI but they made the process of fund transfer hella tedious by requiring for the exact details of what you’ll be purchasing. I’d really prefer if I could have a method of funding that can be done fully online.