For myself and two other people who have used Wise for years, Wise is no longer "instant" and is now next day, a test using Remitly though delivers within 10 minutes no matter which bank. Same transaction amount, same bank (Bangkok Bank) etc. Out of curiosity we tested with a Bangkok Bank account held by a Thai person, thinking that it may be a foreigner only thing, but no same delays. However if we change to Kasikorn Bank it's back to seconds again, for us at least there is some tomfoolery going on between Wise and BBank.