TrueLayer experienced a minor incident on May 20, 2026 affecting From 🇪🇺🇪🇪 LHVBEE22XXX and To 🇪🇺🇫🇷 TRYEFRP2AAA and 1 more component, lasting —. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- identified May 19, 2026, 08:35 AM UTC
Status: Identified Incident Status: Ongoing Start Time: 19/05/2026, 07:00 UTC Affected Products: EUR Payments API, EUR Payouts API Impact: We have identified an issue with one of our service providers, which is causing settlement delays on some EUR pay-ins and payouts. Not all payments are affected. Client Actions: None 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. Affected components From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance)
- identified May 19, 2026, 09:33 AM UTC
Status: Identified The issue impacting EUR Payments and Payouts has been identified and our team is working with the provider on resolution. New payments are settling normally. A backlog of previously delayed payments is still being processed. Client actions: None Affected components To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance)
- identified May 19, 2026, 10:45 AM UTC
Status: Identified We identified impact across more components; the root cause seems to be an EBA clearing delay affecting multiple banking partners. Our team is actively investigating and working closely to our partner teams to resolve this. Client actions: None Affected components From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance)
- identified May 19, 2026, 11:17 AM UTC
Status: Identified There is an ongoing scheme-wide incident impacting the processing of SEPA Instant Payments. We're working closely with our partner teams to evaluate mitigation. Will keep you posted promptly with any news on this issue. Client actions: None Affected components To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance)
- identified May 19, 2026, 12:08 PM UTC
Status: Identified The incident impacting SEPA Instant Payments across the EU is still ongoing. We are in active conversations and collaborating with our partners in the EU about this. Will keep you posted promptly with any news on this issue. Client actions: None Affected components From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance)
- identified May 19, 2026, 01:04 PM UTC
Status: Identified We have marked all affected providers as unhealthy on our side. Your team might have received some communications via email about those if you are using our HPP and/or are subscribed to our bank downtime mailing lists. The current impact remains unchanged: SEPA Instant payments are unavailable across multiple EU banks due to ongoing RT1 clearing outages, which are also affecting the EBA clearing systems our EU partners use to process settlements. General advice is to use SEPA Credit payments where possible. We continue to coordinate with internal teams and banking partners, and will monitor for updates on restoration of service. Client actions: None Affected components From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance)
- identified May 19, 2026, 02:40 PM UTC
Status: Identified The alert window is still open: EBA has informed that the investigation is still ongoing on their side. As soon as we receive further updates, we will promptly share updates. Client actions: None Affected components From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance)
- identified May 19, 2026, 03:40 PM UTC
Status: Identified The issue impacting SEPA Instant Payments across the EU remains ongoing. Settlement delays persist across multiple providers due to the EBA clearing disruption. Our team continues to coordinate with our banking partners and will provide updates as we progress. Client actions: None Affected components From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance)
- identified May 19, 2026, 04:17 PM UTC
Status: Identified Impact: The issue impacting SEPA Instant Payments was caused by scheduled maintenance on the clearing infrastructure, which resulted in unexpected complications. The changes are being rolled back, with completion expected around midnight tonight. SEPA Instant Payments are expected to remain unavailable until tomorrow morning. Client Actions: None. Where possible, SEPA Credit payments can be used as an alternative. We apologise for the continued inconvenience and will keep you updated on progress toward restoration. Affected components To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance)
- monitoring May 20, 2026, 06:52 AM UTC
Status: Monitoring Incident Status: Monitoring Start Time: 19/05/2026, 07:00 UTC Impact end time: 20/05/2026, 00:21 UTC Affected Products: EUR Payments API, EUR Payouts API (SEPA Instant) Impact: The clearing infrastructure issue has been resolved by the provider. Payments have been processing without errors since 20/05/2026, 00:21 UTC. We are monitoring to ensure full recovery across all affected services. Client Actions: None We will provide a further update once we have confirmed full restoration. Affected components From 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) From 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇪🇪 LHVBEE22XXX (Degraded performance) From 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇩🇪 SXPYDEHHXXX (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) To 🇪🇺🇩🇰 SXPYDKKKXXX (Degraded performance) To 🇪🇺🇮🇪 TRYEIE22 (Degraded performance) To 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance) To 🇪🇺🇫🇮 TRYEFIH2XXX (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2AAA (Degraded performance) From 🇪🇺🇫🇷 TRYEFRP2XXX (Degraded performance)
- resolved May 20, 2026, 09:09 AM UTC
Status: Resolved Incident Status: Resolved Impact Start Time: 19/05/2026, 07:00 UTC Impact End Time: 20/05/2026, 00:21 UTC Affected Products: EUR Payments API, EUR Payouts API (SEPA Instant) Impact: We experienced a service degradation caused by an issue with the clearing infrastructure, which resulted in settlement delays on EUR SEPA Instant payins and payouts. The issue has been resolved and SEPA instant payments are processing normally. Client Actions: None We apologise for any inconvenience this may have caused. Affected components To 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) To 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) To 🇪🇺🇮🇪 TRYEIE22 (Operational) To 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇮🇪 TRYEIE22 (Operational) To 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) To 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) To 🇪🇺🇫🇮 TRYEFIH2XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) From 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇫🇮 TRYEFIH2XXX (Operational)
- resolved May 20, 2026, 10:14 AM UTC
Status: Resolved We are contacting you with an updated resolution notice regarding the EUR SEPA Instant Payments service degradation. Incident Status: Resolved Start Time: 19/05/2026, 06:20 UTC End Time: 20/05/2026, 06:56 UTC Affected Products: EUR Payments API, EUR Payouts API (SEPA Instant) Impact: Following our due diligence checks after resolution, we identified that the impact window was broader than initially communicated. Settlement delays on EUR SEPA Instant payins and payouts began at 06:20 UTC on 19/05/2026. Payouts resumed normal processing from 00:22 UTC on 20/05/2026. Affected pay-in providers were re-enabled this morning once full recovery was confirmed. All services are now fully operational. Client Actions: None Affected components From 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) From 🇪🇺🇫🇮 TRYEFIH2XXX (Operational) To 🇪🇺🇫🇷 TRYEFRP2XXX (Operational) To 🇪🇺🇫🇮 TRYEFIH2XXX (Operational) To 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) From 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) From 🇪🇺🇪🇪 LHVBEE22XXX (Operational) From 🇪🇺🇮🇪 TRYEIE22 (Operational) To 🇪🇺🇩🇪 SXPYDEHHXXX (Operational) To 🇪🇺🇫🇷 TRYEFRP2AAA (Operational) To 🇪🇺🇩🇰 SXPYDKKKXXX (Operational) To 🇪🇺🇮🇪 TRYEIE22 (Operational) From 🇪🇺🇫🇷 TRYEFRP2XXX (Operational)