Form3 incident

INC452278 - Degradation to the SEPA Instant Service

Minor Resolved View vendor source →

Form3 experienced a minor incident on May 17, 2026 affecting Direct (LON) and Direct Non Settling (LON), lasting 2h 45m. The incident has been resolved; the full update timeline is below.

Started
May 17, 2026, 10:24 AM UTC
Resolved
May 17, 2026, 01:10 PM UTC
Duration
2h 45m
Detected by Pingoru
May 17, 2026, 10:24 AM UTC

Affected components

Direct (LON)Direct Non Settling (LON)

Update timeline

  1. investigating May 17, 2026, 10:24 AM UTC

    Form3 are investigating a performance degradation to the SEPA Instant service. Investigations are ongoing and an update will be provided as soon as more information becomes available.

  2. identified May 17, 2026, 12:22 PM UTC

    We are currently experiencing an issue impacting the SEPA Instant service due to an upstream issue with the scheme provider. Our teams are actively engaged with scheme, who are investigating the issue and working to restore normal service as quickly as possible. We are monitoring the situation closely and will provide further updates as more information becomes available.

  3. resolved May 17, 2026, 01:10 PM UTC

    Scheme have confirmed that the issue affecting the Form3 SEPA Instant service has been resolved as of 12:26 UTC. We have confirmed, following a period of monitoring, that the service has returned to normal processing and no further degradation has been observed.

  4. postmortem May 18, 2026, 01:22 PM UTC

    On Sunday 17th May, Form3 experienced degradation to the Form3 - SEPA Instant service. EBA clearing identified an issue that was impacting payment processing between 08:00 and 12:26 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.