Big amount international transfer

Hi everyone,

I am an Indian citizen currently working/running a business in Canada. I am presently in India for a major spinal surgery and cannot travel back to Canada for the foreseeable future.

I am expecting a significant tax refund (approx. $70k–$100k CAD) from the CRA soon. Since my primary Canadian bank account is currently locked and requires a physical branch visit to fix, I opened a new Tangerine account online today to receive this refund.

I need to transfer these funds to India as quickly as possible to cover hospital and recovery expenses once the refund hits. However, I’ve realized Tangerine does not support direct international wires.

My questions are:

Since this is a brand-new account, what is the best way to move $100k to India without triggering a massive fraud hold or being blocked?

Has anyone used services like Wise or OFX with Tangerine for such large amounts?

Are there specific documents I should have ready for Tangerine or the transfer service to prove the source of funds (CRA) so the transfer isn't delayed?

Any advice from those who have managed large remittances from Canada to India while abroad would be greatly appreciated. Thank you!