Chase UK outages: history, compensation and how to check if Chase UK is down

Chase UK's status page records several payment outages of a few hours, most recently on 12 April 2026, when payments in and out failed for about 3 hours 45 minutes. Its worst was on 4 and 5 October 2022, when logging in, online card payments and sending money failed on and off for about 33 hours.

Is Chase UK down right now?

This page is a record, not a live monitor, so it cannot tell you whether Chase UK is working this minute. Chase UK's own service status page is the place to check. Chase UK posts problems on its service status page, which it links to from the support pages of chase.co.uk.

During an outage your money stays in your account: outages stop you reaching it or paying with it, they do not remove it. The Financial Ombudsman Service lists scams that exploit outages among the complaints it sees, so be wary of calls or messages offering help during one.

Major Chase UK outages

12 April 2026: Payments outage

On 12 April 2026 Chase UK's status page reported that paying money in and sending money out were not working from 12:50pm to 4:33pm. Transfers between a customer's own accounts and card payments still worked. A separate incident had delayed payments from 12:14am to 3:33am the same day. Chase did not give a cause.

4 March 2026: Slow transaction updates

On 4 March 2026 card transactions and payments did not show in "All activity" from 3:28am to 8:47am. The transactions still went through and balances updated. Chase rated it major.

12 June 2025: Payments held in a queue

On the evening of 12 June 2025 Chase UK told customers "you can't make or receive payments right now", and payments were held in a queue from 5:51pm to 8:23pm. Card payments and transfers between own accounts worked. Chase rated it major.

19 July 2024: Phone support outage

From 9:06am on 19 July 2024 Chase UK asked customers to "only call us if you have a fraud issue" and said "Your app and card should still work as normal". The incident closed at 7:37am on 20 July. Chase rated it critical and did not name a cause.

9 December 2023: Payments outage

On 9 December 2023 Chase UK said "payments out are not working and payments in are being held in a queue". Online card payments failed at security checks and there were problems showing balances. A fix was in by 2:02pm and the incident closed at 4:50pm. Chase rated it major.

17 December 2022: Overnight payments outage

Overnight on 17 December 2022 payments from Chase UK to other UK banks were queued from 12:07am to 2:50am. Chase rated it critical.

4 October 2022: Two-day app outage

From 12:21pm on 4 October 2022 Chase UK customers had problems logging in, with Face ID and fingerprint failing. Online card payment security checks, moving around the app, seeing balances and activity, sending and moving money and joining were also affected, and support staff could not answer account questions. Card payments in shops, payments in and Direct Debits worked. Problems came and went through 5 October. Chase said it was "almost back to normal" that evening and closed the incident at 9:44pm. It said the cause was "a problem with one of our systems" and did not say how many customers were affected.

Incidents Chase UK reported to the FCA

Since August 2018 every bank or brand with at least 70,000 personal current accounts, or 15,000 business current accounts, must publish each quarter how many major operational or security incidents it reported to the FCA: the total, and how many hit telephone, mobile and internet banking, for the latest quarter and the latest 12 months.

Has Chase UK been fined for IT failures?

We found no FCA or PRA fine against J.P. Morgan Europe Limited, which runs Chase UK, for an IT or operational-resilience failure.

Your rights if an outage costs you money

No law sets a fixed amount of compensation for a bank outage. What you are owed depends on what it cost you, and banks decide most cases themselves.

If a payment you made fails or goes wrong, your bank must refund it without undue delay and put your account back as it would have been, and it is liable for any charges and interest you have to pay as a result. It is not liable if the failure was caused by abnormal and unforeseeable circumstances beyond its control that could not have been avoided.

The Financial Ombudsman Service says that when it upholds an outage complaint it can tell the bank to refund extra costs caused by the outage, such as overdraft or late-payment charges, and to pay for distress and inconvenience. In one case it published, a bank offered £25 after a multi-day outage and the Ombudsman told it to pay a further £75.

Complain to the bank first. For a complaint about a payment it must reply in full within 15 business days, or 35 in exceptional cases; for other complaints within eight weeks. You then have six months from its final response to take the complaint to the Financial Ombudsman Service, free of charge.

Frequently asked questions

Is Chase UK down today?

This page records past outages and cannot show Chase UK's status this minute. Chase UK publishes live status at https://chaseuk.statuspage.io/. Chase UK posts problems on its service status page, which it links to from the support pages of chase.co.uk.

How often does Chase UK have outages?

Chase UK's status page records several payment outages of a few hours, most recently on 12 April 2026, when payments in and out failed for about 3 hours 45 minutes. Its worst was on 4 and 5 October 2022, when logging in, online card payments and sending money failed on and off for about 33 hours. In its latest published figures Chase UK reported 7 major operational or security incidents to the FCA in the 12 months to 30 June 2026.

When was the last big Chase UK outage?

12 April 2026: On 12 April 2026 Chase UK's status page reported that paying money in and sending money out were not working from 12:50pm to 4:33pm. Transfers between a customer's own accounts and card payments still worked. A separate incident had delayed payments from 12:14am to 3:33am the same day. Chase did not give a cause.

Will Chase UK compensate me for an outage?

If a payment failed or went wrong, your bank must refund it and is liable for the charges and interest that result. Beyond that there is no fixed amount: complain to the bank, and if you are unhappy with its answer the Financial Ombudsman Service can order it to refund costs and pay for distress and inconvenience.

How do I complain about a Chase UK outage?

Complain to the bank first and keep evidence of any costs, such as late-payment or overdraft charges. It has 15 business days to answer a complaint about a payment and eight weeks for others. You then have six months to take it to the Financial Ombudsman Service, which is free.

More: Chase UK's credit rating and safety record, outage figures for every UK bank, and outage histories for Bank of Scotland, Barclays, first direct, Halifax, HSBC UK, Lloyds Bank, Metro Bank, Monzo.