Monzo app outage temporarily affects thousands of customers, backup system in use

Thousands of Monzo bank customers experienced difficulties accessing the bank’s mobile app on Thursday afternoon. According to Downdetector, over 4,000 users reported issues with the platform. Monzo acknowledged the problem and stated that it is actively investigating the situation. To minimize disruption, the bank activated its independent backup service, Monzo Stand-in, allowing customers to continue making card payments, withdrawing cash, freezing cards, and sending or receiving bank transfers. Despite this, some users reported on social media that they could not view their account balances, recent transactions, or complete transfers. The outage primarily affected app functionality after 15:00 GMT, with users seeing a notice indicating limited access, although basic account operations remained possible. Monzo serves over 14 million personal and business customers across the UK and reassured users that efforts are underway to resolve the issue as quickly as possible.