What to Do When Multiple Banking Apps Are Down at the Same Time
When Revolut, Lloyds, HSBC and other banking apps go down together, here’s exactly what you should (and shouldn’t) do to stay in control of your money.
What to Do When Multiple Banking Apps Are Down at the Same Time
When several major banking apps go down at once — as happened on October 20, 2026 with Revolut, Lloyds, HSBC and others — it can feel like you’ve lost access to your money. Here’s a clear plan of action.
1. Stay Calm – Your Money Is Still Safe
These outages are almost always technical (in this case linked to Google Cloud). They are not theft or account freezes. Your balance remains intact even if you temporarily cannot see or move it.
2. Switch to Alternative Payment Methods Immediately
- Use a card from a different bank
- Use cash if you have it
- Use Apple Pay / Google Pay linked to a working card
3. Do Not Keep Retrying Declined Payments
Repeated attempts can create multiple pending authorisations and temporarily lock more of your money.
4. Do Not Uninstall Banking Apps
The problem is on the bank’s servers (or their cloud provider). Reinstalling can trigger extra security checks that fail while systems are unstable.
5. Avoid Sending the Same Transfer Twice
If a transfer looks stuck, wait. When the system recovers the original payment may still go through.
6. Use Telephone Banking for Urgent Needs
Most high-street banks still offer phone banking as a fallback when apps and websites are down.
7. Watch for Scams
Outages are peak time for phishing. Banks will never ask for your PIN, password or one-time codes by text or email during an outage.
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