I have only recently been having this problem with Wise/BKK bank account. For the past year, ALL of my transfers have been identified as "FTT" on the BKK statement. But, for August I transferred 60,000 baht initially and it showed correctly. Then, I subsequently have done two smaller transfers, 6,000 and a 10,000 (to get my total for the month over 65K). Each of these were transferred "in seconds" and neither showed FTT.
Today, I'm playing around with Wise transfers. Without actually processing the transfer, I put in various amounts. Everything below 51,000 showed "should arrive in seconds" while greater than 51,000 showed "will deliver Monday" (today is Sunday).
My assumption is that for amounts which show "delivered in seconds" are going to marked as "local", whereas if delivery is later, will be FTT.
Anyone else able to test this?