Major UK Banking Apps Crash on Payday, Sparking Customer Chaos
So, here’s what’s going on – if you’ve tried logging into your Halifax, Lloyds, or Bank of Scotland app today and got absolutely nowhere, you’re not alone. Thousands of people across the UK woke up this morning to find their mobile banking apps completely unresponsive—right on payday of all days.
The disruption began around 5am on July 31st and quickly escalated. According to outage tracker Downdetector, nearly 800 Lloyds customers, over 400 Halifax users, and around 70 Bank of Scotland account holders reported issues. That might not sound like much at first glance, but these are just the numbers from people who went out of their way to log complaints. Social media tells the real story—with frustrated customers flooding X (formerly Twitter) saying they were locked out of their accounts, unable to pay bills or access their money.
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And the timing couldn’t have been worse. Many users pointed out that today is payday, making the outage even more stressful. Some reported that the app would open for a few seconds and then immediately crash—especially for iPhone users who had just updated to iOS 18.6. The connection between the iOS update and the crash hasn’t been confirmed officially, but a lot of fingers are being pointed in that direction.
Now, all three banks—Lloyds, Halifax, and Bank of Scotland—are under the Lloyds Banking Group umbrella, which might explain why all their apps went down at the same time. A spokesperson did say the apps are technically "up and running," but acknowledged that users might be experiencing longer login times or outright failures, advising customers to “try again after a few moments.”
Understandably, people aren’t too thrilled. Some have said this isn't the first time this has happened on a payday, and many vented their frustration about not being able to pay bills or move money between accounts. One particularly frustrated user mentioned that they transferred money into their Lloyds account just before the crash, only to lose access right after.
So what can you do if you’re locked out and need urgent access to your money? The banks suggest visiting a local branch if possible or calling their helpline. Social media might be another way to get in touch, but be cautious—never share personal account details online. And if this outage has cost you money—like a late payment fee—you can gather evidence and submit a complaint. While banks aren’t obligated to pay compensation for outages, if you can prove financial loss, you might be eligible for something.
For now, the apps seem to be slowly recovering—but if you’re still experiencing issues, keep trying, and don’t hesitate to contact your bank. Just maybe… don’t schedule anything important around payday next time.
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