Metro Bank outages: history, compensation and how to check if Metro Bank is down

We found two Metro Bank outages, in October 2022 and October 2025. The worse was on 7 October 2025, when payments in and out were delayed for several hours and some customers saw duplicate payments and wrong balances into the afternoon.

Is Metro Bank down right now?

This page is a record, not a live monitor, so it cannot tell you whether Metro Bank is working this minute. Metro Bank's own service status page is the place to check. Metro Bank shows the state of each service on its service status page and posts updates on X as @Metro_Bank.

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 Metro Bank outages

7 October 2025: Payments failure

From early on Tuesday 7 October 2025 Metro Bank payments in and out were delayed or unavailable. Some customers saw duplicate payments, unexpected negative balances and unauthorised overdrafts, and telephone banking was slow because of call volumes. The status page said "Our payment services are currently unavailable". Metro Bank said: "We experienced a short delay affecting inbound and outbound payments earlier this morning. This was resolved... Some customers may see delays while we process these earlier payments and balances may still be showing inaccurately". No cause was given and no compensation was announced.

7 October 2022: App outage

On 7 October 2022 Metro Bank's app went down. Metro Bank posted on X: "Our App is temporarily down due to a technical issue... while we fix it please use Online Banking... call us on 0345 080 8500, or visit a store".

Incidents Metro Bank 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 Metro Bank been fined for IT failures?

We found no FCA or PRA fine against Metro Bank PLC for an IT or operational-resilience failure.

On 12 November 2024 the FCA fined Metro Bank £16,675,200 for anti-money-laundering failings, not for an outage. Between 6 June 2016 and 17 December 2020 its automated transaction monitoring did not monitor over 60 million transactions worth over £51 billion.

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 Metro Bank down today?

This page records past outages and cannot show Metro Bank's status this minute. Metro Bank publishes live status at https://www.metrobankonline.co.uk/service-status/. Metro Bank shows the state of each service on its service status page and posts updates on X as @Metro_Bank.

How often does Metro Bank have outages?

We found two Metro Bank outages, in October 2022 and October 2025. The worse was on 7 October 2025, when payments in and out were delayed for several hours and some customers saw duplicate payments and wrong balances into the afternoon. In its latest published figures Metro Bank reported 1 major operational or security incident to the FCA in the 12 months to 30 June 2026.

When was the last big Metro Bank outage?

7 October 2025: From early on Tuesday 7 October 2025 Metro Bank payments in and out were delayed or unavailable. Some customers saw duplicate payments, unexpected negative balances and unauthorised overdrafts, and telephone banking was slow because of call volumes. The status page said "Our payment services are currently unavailable". Metro Bank said: "We experienced a short delay affecting inbound and outbound payments earlier this morning. This was resolved... Some customers may see delays while we process these earlier payments and balances may still be showing inaccurately". No cause was given and no compensation was announced.

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