@Nigel *************
Well, normally I would agree with you, but that as of this month is no longer the case in my latest experience. My funds left my account January 8th, they have yet to 'show up' in the possession of Wise or my Kaisikorn account. Today is the 12th of January. 4 days and counting. For 10 months prior the funds arrived in my KBank account within minutes. Something has changed...