Lloyds Banking Group’s mobile banking apps for Lloyds, Halifax and Bank of Scotland suffered a widespread outage on July 31, 2025, leaving thousands of customers unable to log in during a crucial payday morning. The disruption began shortly after 5 a.m. UK time and persisted into midmorning, causing frustration as many users needed to check balances or make essential payments. According to outage tracker Downdetector, around 780 users reported problems with the Lloyds app, 402 with Halifax, and 73 with Bank of Scotland. Many customers reported the app crashing immediately upon opening or refusing to accept login attempts.
The bank confirmed the issue and reassured users that a fix was underway. While no specific cause was named, both Lloyds and Halifax noted that the problem might stem from a recent software update. They advised affected customers to wait a few minutes and try again or to use online banking via the website as a temporary alternative.
This outage occurred at the end of the month, a timing that intensified the impact due to its coincidence with payday. Many people were unable to access wages, pay bills, or make transfers on time. Public frustration erupted on social media, with users complaining that app failures on payday were becoming all too common.
Banks are not required to automatically compensate for service disruptions, but customers may be eligible for reimbursement if financial harm occurred. To seek redress, users are advised to document all issues and escalate complaints to Lloyds’ support teams or the Financial Ombudsman Service if necessary.
- Users should retry logging in after a short wait or use the bank’s website as a workaround
- Compensation may be available if customers suffered financial loss due to the outage
This incident highlights the growing reliance on digital banking and the added risks when systems falter, especially on high-traffic days like payday.
