I got to my bank with 45 minutes to spare before the time runs out and I told them I wanted to do the wire transfer.  They told me that there was actually only 15 minutes available because the cut-off time for money transfers was actually 4.00pm even though the bank stays open until 4.30pm.

So panic and stress as the great staff at my bank got the paperwork done and hit the "PAY" button at exactly 3.56pm.  Just 4 minutes to spare.  I was sweatin'.

I will forever remember their foreign payments cut-off time is 4pm ... it's imprinted in my brain.  LOL

So glad to be onboard with Trade.io and glad I got in with not much time to spare.