Form3 incident
INC483644 - Degradation to Form3 - SEPA Instant service
Form3 experienced a minor incident on September 30, 2026 affecting Direct and Direct Non Settling, lasting 16m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Sep 30, 2026, 10:07 AM UTC
Form3 are aware of performance degradation to the Form3 - SEPA Instant service. The scheme provider has confirmed that the issue originates with an upstream participant. We continue to work with the scheme provider and will provide a further update when available.
- resolved Sep 30, 2026, 10:23 AM UTC
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.
- postmortem Sep 30, 2026, 10:24 AM UTC
On Wednesday 30th September, Form3 experienced degradation to the Form3 - SEPA Instant service, with outbound payment processing impacted between 09:04 - 09:55 UTC. EBA clearing confirmed that the issue originated with an upstream participant. Following a period of monitoring, Form3 confirmed that payments are processing as expected.