It happens all the time, and they just don't tell you. We get automated notices when banks connect and disconnect from the Faster Payments network, something happens every few days. Not always this length, but occasionally.

Just yesterday a major high street bank stopped sending payments for an hour, and was telling customers on Twitter that there were no problems.

Hell, the central system (what I called the Hub in this article) had a 12 hour split brain meltdown last July which had banks emailing each other spreadsheets back and forth for two weeks afterwards.