Form3 incident
INC488090 - Degradation to Form3 - UK Instant & Form3 - SEPA Instant
Form3 experienced a minor incident on October 20, 2026 affecting Direct and Direct and 1 more component, lasting 4h 5m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- monitoring Oct 20, 2026, 10:48 AM UTC
From 06:01 UTC, Form3 experienced an impact to the UK instant service. We have investigated the issue and can confirm a brief spike in processing times between 06:01 - 06:07 UTC. This was due to a Cloud provider incident, for which we are currently monitoring to ensure there is no further impact. Further details will be provided in the postmortem in due course.
- monitoring Oct 20, 2026, 01:13 PM UTC
While the Cloud Provider implemented recovery actions, we observed another brief increase in processing times for Form3 – UK Instant and a short spike in admission timeouts for Form3 – SEPA Instant. Form3 continues to monitor the situation while the Cloud Provider works on a permanent fix.
- resolved Oct 20, 2026, 02:54 PM UTC
The Cloud Providers Incident has been resolved as of 13:00 UTC We have confirmed, following a period of monitoring, 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 Oct 21, 2026, 02:20 PM UTC
On Tuesday, 20th October, Form3 experienced two brief periods of processing delays affecting the Form3 UK Instant and Form3 SEPA Instant services: * 06:01–06:07 UTC * 12:57–12:59 UTC The delays were caused by an incident affecting one of our third-party cloud providers. The provider resolved the underlying infrastructure issue at 15:41 UTC. Following recovery and continued monitoring, our Incident Response Team confirmed that services had returned to normal and that there was no ongoing customer impact.