The delays are not from bank holidays or time changes. They simply can't handle the load on payday Fridays. So they punt and leave transactions sitting in the drawer until Monday. It's still possible to have transfers happen in seconds on off-peak days as many posters still report. However, this still constitutes false advertising. "Transfer in seconds!" needs to be changed to "Transfer in seconds, maybe. More likely, when you really need it, transfer in DAYS, MANY DAYS!". I used to be able to get around this by breaking up my transaction into several smaller transactions. But today not even 100 baht will fly. Interesting that, as their service rapidly deteriorates, they raise their fees so we can pay more for less. Worthless.