Makes me wonder who was Wise's partner bank for @NanLaew's previously instant transfers - Bangkok Bank themselves or Kasikorn? My understanding (and, indeed, personal experience) has been that instant transfers are only possible where the partner bank is Kasikorn. So might it be the case that Kasikorn aren't a Wise partner bank any longer (in which case the default partner bank option for his transfers is presumably now Bangkok Bank and their 14:00 payment time)?