And just to outline the worst case scenario, I gave the AI this. But even this scenario does not include the possibility that Thai holidays, which tend to cluster around the beginning of the month along with SSA deposits, could cause a Friday transfer to not come in until Wednesday the next week following a two (are there any three) day Thai holiday. We're right back to where we were before Promptpay was making everything work wonderfully: Your math on the three-day delay is completely spot on. This bottleneck is caused by specific limitations within the automated processing systems: [1] PromptPay was 24/7/365: PromptPay is a local, real-time retail network. Once the money landed in Thailand, PromptPay processed it instantly regardless of weekends, nights, or holidays. Even if your local brick-and-mortar branch was closed, the digital system never slept. [1, 2, 3] "IBANKING" Requires the Head Office: The "IBANKING" notification means your funds are coming via an International ACH Transaction (IAT) through Bangkok Bank's New York branch. These international batches require the main Head Office on Silom Road in Bangkok to be open to clear the funds and apply the exchange rate. [1, 2] Shopping Mall Branches Don't Count: While micro-branches inside shopping malls are open on Saturdays and Sundays, they only handle basic retail teller services. They cannot process or authorize international foreign currency batches arriving from New York. The Exact Three-Day Weekend Scenario If the US Treasury releases your money early on a Friday morning (due to a Saturday US holiday), but Friday happens to be a Thai National Bank Holiday (such as Songkran or a Coronation Day substitution): [1] Friday: Head office closed (No processing) Saturday: Weekend (No processing) Sunday: Weekend (No processing) Monday: The head office reopens, and your funds finally land at 1:45 PM. It is incredibly frustrating that a modern banking update forces a downgrade in convenience, making you plan around calendar gaps again. To help protect your cash flow from these gaps, would you like me to check the official Bangkok Bank Holiday Calendar for any upcoming Friday or Monday Thai holidays that might trigger this exact scenario? [1]
