Monzo banking app outage left thousands of customers unable to access accounts

Despite the disruption, Monzo explained to customers that they can still carry out essential services, including making payments and withdrawing cash, checking balances and recent transactions, viewing account details, freezing cards, transferring money, and contacting the Monzo support team.

On its status page, Monzo said it had "spotted some platform issues" and was investigating the cause.

The bank also warned of "degraded performance" across several services, including the Monzo app, card payments, outbound bank transfers and inbound bank transfers.

One user wrote on Down Detector: "Currently down, was able to transfer to and from pots but now that feature is down too."

Problems began to be reported on the tracking site between 3pm and 4pm, with reports quickly rising as more users flagged issues.

Monzo has now resolved the issue and customers can access their accounts as normal.

A Monzo spokesperson said: “Customers can now use the app as normal. For a short period today, we activated Monzo Stand-in - our fully independent backup bank - while we investigated an issue.

"Customers were always able to make payments with their card, withdraw cash, freeze their card and send and receive bank transfers.”

Before the issue was fixed many Monzo customers took to X - which was itself down for a period this afternoon - to complain.

One wrote: "How long is this going to take? I have bills etc to pay for."

Another wrote on the platform: "Any time frame of when the issue is gonna be fixed? I need to go shopping."

More than 4,000 users have reported difficulties with the online bank’s app after it went down this afternoon.

One Monzo user told Metro: "You can’t do anything other than see how much money is in your pots."

The disruption adds Monzo to a growing list of high-profile platforms hit by outages in recent days.

Earlier on the same day, X, owned by Elon Musk, suffered widespread disruption across the UK and the US, leaving millions of users unable to load feeds or profiles.

For Monzo, which built its reputation on speed, reliability and app-first banking, even short-lived issues risk denting consumer confidence.

The bank now has more than nine million users across the UK and is increasingly used as a primary current account rather than a budgeting add-on, raising the stakes when services go down.

More broadly, the fintech sector has faced growing scrutiny over its resilience in recent years. Outages at major cloud providers such as Amazon Web Services and Cloudflare have previously caused knock-on effects across banks and payment firms.

Traditional lenders, while not immune to technical failures, often retain branch networks and legacy systems that provide a fallback during outages. Customers quickly took to social media to report problems and share screenshots of error messages, with many drawing comparisons to past disruptions across the tech sector.

Some users said they were able to see their balance but could not make payments through the app, while others reported being locked out altogether.