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

Monzo's status page records several multi-hour outages since 2018. The most recent was on 19 August 2026, when the app and bank transfers were disrupted for about 3 hours 45 minutes and Monzo switched to its backup bank, Monzo Stand-in. The worst on record was 29 July 2019, when a database fault stopped many customers logging in, paying or withdrawing cash, with all customers back by 11pm.

Is Monzo down right now?

This page is a record, not a live monitor, so it cannot tell you whether Monzo is working this minute. Monzo's own service status page is the place to check. Monzo posts problems on its status page at status.monzo.com, which keeps its incident history back to August 2017.

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 Monzo outages

19 August 2026: App and transfer outage

On 19 August 2026 Monzo's status page reported platform issues from 12:55pm to 4:40pm. The Monzo app and inbound and outbound bank transfers were affected, payments were delayed and phone lines were down. At 2:12pm Monzo switched to Monzo Stand-in, which it calls "our fully independent backup bank", after which card payments, ATM withdrawals and transfers worked. Monzo did not give a cause on its status page.

13 January 2026: Platform issues

From 3:31pm on 13 January 2026 Monzo's status page reported platform issues affecting the Monzo app, card payments and inbound and outbound bank transfers. The main fix was in at 5:07pm and recovery finished at 5:36pm. Monzo rated it a major incident and did not give a cause.

20 October 2025: Phone calls hit by AWS outage

From 9:43am on 20 October 2025 Monzo said calls were affected because an AWS incident was causing problems for some of its providers. Recovery began at 10:52am and the incident was closed at 9:29am the next day. The app and payments were not listed as affected.

13 August 2024: App outage

On 13 August 2024 the Monzo app had problems from 10:47am to 1:37pm. Monzo said it ran "the Monzo app in a backup mode", and that cards, ATMs and inbound and outbound transfers still worked. Monzo rated it a major incident and said it had found the cause, but did not say what it was.

17 July 2020: Cloudflare problem

On the evening of 17 July 2020 customers had trouble reaching the Monzo app and online card verification failed, from 10:32pm to 12:03am. Monzo put it down to "a wider Cloudflare issue".

20 February 2020: Overnight app and payments problem

Overnight on 20 February 2020 Monzo reported problems with app login, payments and chat from 2:07am to 3:38am, warning that "payments might fail". Monzo rated it critical and did not give a cause.

29 July 2019: Database fault

From about 1:10pm on 29 July 2019 many Monzo customers could not log in to the app, send or receive payments, withdraw cash at ATMs or see accurate balances and transactions. In-app chat and phone support were also affected. Monzo said the main impact ended at 3:08pm "for the majority of customers" and that all customers were fully restored by 11pm. Monzo said the cause was six new Cassandra database servers added with a setting that let them take ownership of data they did not yet hold, so data "appeared to be missing".

28 November 2018: App, card and transfer problems

On 28 November 2018 Monzo reported problems with the app, some card payments and inbound and outbound bank transfers from 9:34am to 12:54pm. Some items were missing from customers' feeds. Monzo did not give a cause.

16 March 2018: Late-night payments failure

Late on 16 March 2018 Monzo warned that "Card payments, bank transfers, and top ups may fail". The problem ran from 11:27pm to 1:31am on 17 March. Monzo did not give a cause.

16 January 2018: Card payments and app problems

From 3:12pm on 16 January 2018 Monzo reported problems with "some card payments and parts of the Monzo app", though it said "the majority of card payments should still succeed". The main issues were fixed by 7:49pm. A backlog of feed items was cleared by 9:20pm on 17 January. Monzo did not give a cause.

Incidents Monzo 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 Monzo paid compensation for outages?

After the 13 August 2024 outage the Financial Ombudsman upheld one customer's complaint, under which Monzo pays £50 for distress and inconvenience. The customer's out-of-pocket costs were refused because there was no proof the outage caused them. This was the only Monzo outage payment found. No payment to all affected customers was found for any Monzo outage.

Has Monzo been fined for IT failures?

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

In July 2025 the FCA fined Monzo Bank Ltd £21,091,300 for weak anti-financial-crime systems and controls from October 2018 to August 2020, and for repeatedly breaching a requirement not to take on high-risk customers from August 2020 to June 2022. The fine was not about an outage.

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 Monzo down today?

This page records past outages and cannot show Monzo's status this minute. Monzo publishes live status at https://status.monzo.com. Monzo posts problems on its status page at status.monzo.com, which keeps its incident history back to August 2017.

How often does Monzo have outages?

Monzo's status page records several multi-hour outages since 2018. The most recent was on 19 August 2026, when the app and bank transfers were disrupted for about 3 hours 45 minutes and Monzo switched to its backup bank, Monzo Stand-in. The worst on record was 29 July 2019, when a database fault stopped many customers logging in, paying or withdrawing cash, with all customers back by 11pm. In its latest published figures Monzo reported 5 major operational or security incidents to the FCA in the 12 months to 30 September 2026.

When was the last big Monzo outage?

19 August 2026: On 19 August 2026 Monzo's status page reported platform issues from 12:55pm to 4:40pm. The Monzo app and inbound and outbound bank transfers were affected, payments were delayed and phone lines were down. At 2:12pm Monzo switched to Monzo Stand-in, which it calls "our fully independent backup bank", after which card payments, ATM withdrawals and transfers worked. Monzo did not give a cause on its status page.

Will Monzo compensate me for an outage?

After the 13 August 2024 outage the Financial Ombudsman upheld one customer's complaint, under which Monzo pays £50 for distress and inconvenience. The customer's out-of-pocket costs were refused because there was no proof the outage caused them. This was the only Monzo outage payment found. No payment to all affected customers was found for any Monzo 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 Monzo 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: Monzo'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, Metro Bank.