Is TrueLayer down?

Status: Investigating We spotted an issue related to our logic with Payout retries, following a release made on 20/07/2026. Clients may have experienced a slight increase in failure rates since 2026-07-20 09:43 UTC. We have identified the root cause and are currently working on a fix. We apologise for any inconvenience this may be causing and want to assure you that our team is working to resolve the issue as quickly as possible. We will keep you regularly updated on the progress toward resolution. Impact start time: 20/07/2026, 09:43 UTC Client actions: None Affected components From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇵🇱 PPABPLPKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance)

Status: Identified We spotted an issue related to our logic with Payout retries, following a release made on 20/07/2026. Clients may have experienced a slight increase in failure rates since 2026-07-20 09:43 UTC. We have identified the root cause and are actively working on a fix. Impact start time: 20/07/2026, 09:43 UTC Client actions: None Affected components From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) From 🇪🇺🇵🇱 PPABPLPKXXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance)

Status: Identified We spotted an issue related to our logic with Payout retries, following a release made on 20/07/2026. Clients may have experienced a slight increase in failure rates since 2026-07-20 09:43 UTC. The team continuously works on the fix; we will keep you posted on any developments as we progress. Impact start time: 20/07/2026, 09:43 UTC Client actions: None Affected components From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇵🇱 PPABPLPKXXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance)

Status: Monitoring A fix has been deployed to restore the payout retry logic that was impacted by a release on 20/07/2026. We are monitoring to ensure full recovery and that payout acceptance rates return to baseline levels until tomorrow morning. Impact start time: 20/07/2026, 09:43 UTC Impact end time: 29/07/2026, 17:26 UTC Client actions: None Affected components From 🇬🇧 TRYEGB22XXX (Operational) From 🇬🇧 TRYEGB22 (Operational) From 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH2XXX (Operational) From 🇪🇺🇮🇪 TRYEIE22 (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) From 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇵🇱 PPABPLPKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational)

Status: Monitoring A fix was deployed yesterday at 17:26 UTC to restore the payout retry logic that was impacted by a release on 20/07/2026. We are analysing volumes and failure rates this morning; we'll declare this incident as resolved once we assess that failure rates are back to normal baselines. Impact start time: 20/07/2026, 09:43 UTC Impact end time: 29/07/2026, 17:26 UTC Client actions: None Affected components From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇬🇧 TRYEGB22XXX (Operational) From 🇬🇧 TRYEGB22 (Operational) From 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) From 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇮🇪 TRYEIE22 (Operational) From 🇪🇺🇵🇱 PPABPLPKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH2XXX (Operational)

Status: Resolved This incident has been resolved. Payout acceptance rates have returned to normal rates. What happened: A change deployed on 20/07/2026 at 09:43 UTC inadvertently altered our payout retry logic, causing some errors that should have been retried to be treated as terminal. This resulted in a temporary increase in payout failure rates. What we did: We identified the root cause, deployed a fix restoring the previous retry behaviour, and confirmed via monitoring that acceptance rates are back to baseline. We apologise for any inconvenience caused and are working on preventative measures to avoid a recurrence. Impact start time: 20/07/2026, 09:43 UTC Impact end time: 29/07/2026, 17:26 UTC Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇬🇧 TRYEGB22 (Operational) From 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) From 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇮🇪 TRYEIE22 (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇬🇧 TRYEGB22XXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH2XXX (Operational) From 🇪🇺🇵🇱 PPABPLPKXXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2AAA (Operational)

Status: Investigating PIS requests for some participants in the Faster Payments Scheme might experience degradation for both Pay-In and Payouts. Clients might experience settlement delays and minor volumes of failures for Pay-Ins and Payouts. Impact start time: 27/07/2026, 10:44 UTC Client actions: None Affected components Recurring Payments (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) To 🇬🇧 TRYEGB22XXX (Degraded performance) To 🇬🇧 TRYEGB22 (Degraded performance)

Status: Identified PIS requests for some participants in the Faster Payments Scheme might experience degradation for both Pay-In and Payouts. Clients might experience settlement delays and minor volumes of failures for Pay-Ins and Payouts. We are actively investigating the impact on our internal systems and are in conversation with participants in the payment scheme that are impacted by this service degradation. Impact start time: 27/07/2026, 10:44 UTC Client actions: None Affected components From 🇬🇧 TRYEGB22 (Degraded performance) To 🇬🇧 TRYEGB22XXX (Degraded performance) To 🇬🇧 TRYEGB22 (Degraded performance) Recurring Payments (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance)

Status: Monitoring PIS requests for some participants in the Faster Payments Scheme might have experienced degradation for both Pay-In, VRP and Payouts. Clients might have experienced settlement delays and minor volumes of failures for Pay-Ins, VRP and Payouts. We are seeing the system recovering, but we will continue to actively monitor the impact on our internal systems and are in conversation with participants in the payment scheme that are impacted by this service degradation. Impact end time: 27/07/2026, 10:44 UTC Client actions: None Affected components Recurring Payments (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) To 🇬🇧 TRYEGB22XXX (Degraded performance) To 🇬🇧 TRYEGB22 (Degraded performance)

Status: Monitoring PIS requests for some participants in the Faster Payments Scheme might have experienced degradation for both Pay-In, VRP and Payouts. Clients might have experienced settlement delays and minor volumes of failures for Pay-Ins, VRP and Payouts. Volumes have been improving since 16:15 UTC. We are monitoring the impact on our internal systems and are still in conversation with participants in the payment scheme that are impacted by this service degradation. Impact start time: 27/07/2026, 10:44 UTC Impact end time: 27/07/2026, 16:15 UTC Client actions: None Affected components To 🇬🇧 TRYEGB22XXX (Degraded performance) To 🇬🇧 TRYEGB22 (Degraded performance) Recurring Payments (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance)

Status: Monitoring PIS requests for some participants in the Faster Payments Scheme might have experienced degradation for both Pay-In, VRP and Payouts. Clients might have experienced settlement delays and minor volumes of failures for Pay-Ins, VRP and Payouts. Payments processing has gone back to normal rates since 17:05 UTC, according to our logs. We reached out to participants in the scheme and are awaiting some confirmations. Therefore, we decided to pause this incident until tomorrow morning, 28/07/2026 at 10:00 BST (09:00 UTC). When the incident resumes in the morning, we'll check volumes again to evaluate the impact on our internal systems. Impact start time: 27/07/2026, 10:44 UTC Impact end time: 27/07/2026, 17:05 UTC Client actions: None Affected components Recurring Payments (Degraded performance) From 🇬🇧 TRYEGB22XXX (Degraded performance) From 🇬🇧 TRYEGB22 (Degraded performance) To 🇬🇧 TRYEGB22XXX (Degraded performance) To 🇬🇧 TRYEGB22 (Degraded performance)

Status: Resolved Payment requests for some participants in the Faster Payments Scheme might have experienced degradation for both Pay-In, VRP and Payouts during this incident's timeframe. Clients might have experienced settlement delays and minor volumes of failures for Pay-Ins, VRP and Payouts. Payments processing has returned to normal rates since 17:05 UTC on 27/07/2026, according to our logs. All impact across TrueLayer products leveraging Faster Payments is now resolved. Should you have any outstanding issues or questions, please reach out to our Client Operations team by raising a ticket with this form: https://support.truelayer.com/hc/en-us/p/ticket_type Impact start time: 27/07/2026, 10:44 UTC Impact end time: 27/07/2026, 17:05 UTC Client actions: None Affected components Recurring Payments (Operational) From 🇬🇧 TRYEGB22XXX (Operational) From 🇬🇧 TRYEGB22 (Operational) To 🇬🇧 TRYEGB22XXX (Operational) To 🇬🇧 TRYEGB22 (Operational)

Status: Investigating Payouts are currently experiencing some settlement delays. We are investigating. Impact start time: 22/07/2026, 09:17 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance)

Status: Investigating Payouts are currently experiencing some settlement delays. We are investigating. Impact start time: 22/07/2026, 09:17 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance)

Status: Monitoring Payouts are no longer experiencing settlement delays as normal service has been restored. Our teams are currently monitoring and resolving the backlog of transactions. Impact start time: 22/07/2026, 09:17 BST Impact end time: 22/07/2026, 10:22 BS Client actions: None Affected components From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational)

Status: Resolved Payouts are no longer experiencing settlement delays as normal service has been restored. Impact start time: 22/07/2026, 09:17 BST Impact end time: 22/07/2026, 11:58 BST Client actions: None Affected components From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational)

Status: Investigating Payouts are currently experiencing some settlements delays. We are investigating. Impact start time: 22/07/2026, 08:18 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance)

Status: Resolved Payouts are no longer impacted by settlement delays. Normal service has been restored. Impact start time: 22/07/2026, 08:18 BST Impact end time: 22/07/2026, 08:30 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational)

Status: Investigating We are currently experiencing a service disruption impacting Payouts for which you may experience settlement delays. Impact start time: 21/07/2026, 14:12 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH3XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE23XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP3XXX (Degraded performance)

Status: Resolved Normal service has been restored. Payouts are no longer impacted by delayed settlements. Impact start time: 21/07/2026, 14:12 BST Impact end time: 21/07/2026, 15:51 BST Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH3XXX (Operational) From 🇪🇺🇮🇪 TRYEIE23XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP3XXX (Operational)