INC447366 - Degradation to Form3 - SEPA Instant

Update timeline

1. investigating Apr 18, 2026, 08:18 PM UTC

   We are currently investigating an issue on the Form3 - SEPA Instant service which is impacting some inbound and outbound payments.

2. identified Apr 18, 2026, 08:23 PM UTC

   Scheme (external to Form3) have identified an issue and are working on a resolution. We will post an update once more information becomes available from them.

3. identified Apr 18, 2026, 09:26 PM UTC

   We are still awaiting for Scheme (external to Form3) to fix the issue. We will post an update once more information becomes available from them.

4. resolved Apr 18, 2026, 10:22 PM UTC

   The issue affecting Form3 - SEPA Instant service has been resolved. We have received confirmation from the Scheme that the issue has been resolved. Following a period of monitoring, we can confirm that the service has returned to normal processing and no further degradation has been observed. Further details will be provided in the postmortem in due course.

5. postmortem Apr 20, 2026, 08:14 AM UTC

   On Saturday 18th April, Form3 experienced degradation to the Form3 - SEPA Instant services. EBA clearing identified an issue that was impacting payment processing between 19:46 and 22:19 UTC. Following a period of monitoring, Form3 confirmed that payments were processing as expected. The cause of this degradation has been mitigated by EBA clearing.