SEPA Instant Payments – Partial Service Outage

Update timeline

1. investigating Jan 12, 2026, 02:47 AM UTC

   We are currently investigating an intermittent issue affecting both outbound and inbound SEPA Instant payments, which began at 01:24 today. This issue is causing some outbound SEPA Instant requests to fail with status ER_EXTSYS, and some inbound SEPA Instant payments to fail to process. Our teams are actively working with our banking partner to identify the root cause and resolve the issue as quickly as possible. We sincerely apologise for any inconvenience this may cause. If you need further support or have any questions, please contact us at [email protected]

2. identified Jan 12, 2026, 03:50 AM UTC

   We have identified that the service degradation is due to an authentication issue affecting our SEPA Banking Partner. We are actively working with them to resolve this as quickly as possible. Our team is prioritising this issue and will provide updates as soon as we have more information. Our next scheduled update will be at 8 AM GMT, but if we have an update sooner, we will share it immediately. We apologise for any inconvenience caused. If you need further assistance, please contact us at [email protected].

3. resolved Jan 12, 2026, 05:00 AM UTC

   We’re pleased to confirm that the issue impacting SEPA Instant payments has been resolved by our Banking Partner. They applied their fix at 04:19 UTC, and the service has remained stable since. Any outbound payments that failed during this period with an ER_EXTSYS status can be safely retried. We will continue to monitor performance closely. Thank you for your patience during this disruption.