Form3 incident
INC478901 - Degradation to Form3 - SEPA Instant service
Form3 experienced a minor incident on September 1, 2026 affecting Direct and Direct Non Settling, lasting 42s. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Sep 01, 2026, 01:05 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.
- investigating Sep 01, 2026, 01:21 PM UTC
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 01, 2026, 01:21 PM 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 01, 2026, 01:27 PM UTC
On Tuesday 1st September, Form3 experienced degradation to the Form3 - SEPA Instant service, with payment processing impacted between 12:22 - 13:11 UTC. EBA clearing confirmed that the issue originated with an upstream participant. Following a period of monitoring, Form3 confirmed that payments were processing as expected.