Form3 experienced a minor incident on August 12, 2026 affecting Direct and Direct Non Settling, lasting 1h 8m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Aug 12, 2026, 05:11 PM UTC
Form3 are investigating a performance degradation to the Form3 - SEPA Instant Service. Investigations are ongoing and an update will be provided as soon as more information becomes available.
- identified Aug 12, 2026, 05:24 PM UTC
We are currently aware of 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.
- resolved Aug 12, 2026, 06:20 PM UTC
The Scheme Provider has confirmed the issue has been resolved. 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 Aug 13, 2026, 10:41 AM UTC
On Wednesday 12th, August, Form3 experienced degradation to the Form3 - SEPA Instant service. EBA clearing identified an issue that was impacting payment processing between 17:23 - 18:19 UTC. Following a period of monitoring, Form3 confirmed that payments were processing as expected.