Revolut and Lloyds Bank are down for many —here's all the latest on the outage

The online banking services for Revolut and Lloyds Bank are down for many users right now, with Revolut confirming it's been hit by an outage that's affecting "multiple services".

<![CDATA[ <article> <div class="live-content"><p>The online banking services for Revolut and Lloyds Bank are down for many users right now, with Revolut confirming it's been hit by an outage that's affecting "multiple services".</p><p>The issues for both Revolut and Lloyds Bank started at the same time at about 6.46am BST / 1.46am ET, with both showing large spikes on Downdetector. At their peak, there were almost 1,500 reports from Revolut customers on Downdetector and arounds 500 for Lloyds Bank.</p><p>While the reports have since dropped slightly, the outage appears to be ongoing for many — here's all the latest news, including whether it could potentially be related to <a href="https://www.techradar.com/pro/live/google-cloud-down-major-outage-across-europe-hits-big-brands-banking-apps-and-more">confirmed Google Cloud problems</a>...</p><h2 id="the-latest-news">The latest news</h2><ul><li><strong>Revolut and Lloyds Bank have been hit by outages in the UK this morning</strong></li><li><strong>Revolut has confirmed it's experiencing a "service disruption" hitting "multiple services"</strong></li><li><strong>The issues could be related to a Google Cloud outage that's also hitting UK other services, although this hasn't been confirmed</strong></li></ul></div><div class="live-content"><time datetime="2026-10-20T09:30:17+00:00">October 20, 2026 – 5:30 AM</time><h2 id="reports-are-on-the-rise">Reports are on the rise</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1600px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="KxW26nzy6ybEd372xjHUGD" name="Revolutdown-1" alt="A Downdetector graph showing a banking app outage" src="https://cdn.mos.cms.futurecdn.net/KxW26nzy6ybEd372xjHUGD-1920-80.jpg" mos="" align="middle" fullscreen="" width="1600" height="900" attribution="" endorsement="" class="inline"></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Downdetector)</span></figcaption></figure><p>Reports on Downdetector peaked for Revolut at around 8.10am BST, but they seem to be on the rise again — and that's also the case for Lloyds Bank customers.</p><p>Most of the reports for Lloyds Bank are around 'login' issues, while for Revolut it's 'app' and 'funds transfer'.</p><p>I'm asking Revolut and Lloyds for an update on the issues, but Revolut's <a href="https://www.revolut.com/system-status/" target="_blank">system status page</a> says it's "currently experiencing an incident" that's affecting everything from sign-ins, card payments and topping up via bank card to ATM withdrawals.</p></div><div class="live-content"><time datetime="2026-10-20T09:42:23+00:00">October 20, 2026 – 5:42 AM</time><h2 id="is-google-cloud-to-blame">Is Google Cloud to blame?</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1267px;"><p class="vanilla-image-block" style="padding-top:56.27%;"><img id="f2noH8daNe2WNYuaTKbjxT" name="Google Next 2019_Day00-7257.jpg" alt="Google Cloud Logo" src="https://cdn.mos.cms.futurecdn.net/f2noH8daNe2WNYuaTKbjxT-1920-80.jpg" mos="" align="middle" fullscreen="" width="1267" height="713" attribution="" endorsement="" class="inline"></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Google Cloud)</span></figcaption></figure><p>While this is just speculation for now, the simultaneous issues affecting both Revolut and Lloyds Bank today point to a shared cloud infrastructure issue — and one of those is also hitting <a href="https://status.cloud.google.com/">Google Cloud</a> right now.</p><p>The <a href="https://status.cloud.google.com/incidents/Xs2XTHzAVC9YnafnPyzj" target="_blank">Google Cloud status page</a> reports that "Multiple services are experiencing issues in the europe-west2 region", which is located in London.</p><p>We don't yet know if there's a connection to the Revolut and Lloyds Bank issues, but that would explain why multiple UK services are experiencing issues right now. We've also seen spikes in reports for the likes of Royal Mail this morning, too.</p></div><div class="live-content"><time datetime="2026-10-20T09:49:17+00:00">October 20, 2026 – 5:49 AM</time><h2 id="revolut-confirms-your-money-is-safe">Revolut confirms your money is safe</h2><div class="see-more see-more--clipped"><figure><blockquote class="twitter-tweet hawk-ignore" data-lang="en" cite="https://twitter.com/cantworkitout/status/2112452445028614323"><p lang="en" dir="ltr">We are currently experiencing a service disruption affecting multiple services. We can confirm that all our customers’ money and data are safe. We’ve been working to fix the issue since it was identified this morning and apologise to anyone affected and for any inconvenience caused.<a href="https://twitter.com/cantworkitout/status/2112452445028614323">October 20, 2026</a></p></blockquote></figure><div class="see-more__filter"></div></div><p>I've reached out to Revolut and Lloyds Bank this morning for their latest statements on this morning's banking problems. But if you're worried about your money in either bank, Revolut did post the message above earlier today at 8.54am BST.</p><p>It confirms the service disruption and says "we can confirm that all our customers’ money and data are safe". However, that's scant consolation to those who need to spend their money today – for example, the <a href="https://x.com/alexinexxx/status/2112456603198717968" target="_blank">person who's reported</a> being stuck in Japan train as they can't pay to get out.</p><p>Hopefully the "fix" that Revolut is working on will come soon, but reports on <a href="https://downdetector.co.uk/status/revolut/" target="_blank">Downdetector</a> are continuing to climb...</p></div><div class="live-content"><time datetime="2026-10-20T09:59:18+00:00">October 20, 2026 – 5:59 AM</time><h2 id="a-statement-from-lloyds-bank">A statement from Lloyds Bank</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:2000px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="weqxs4JqZXFPLx3GbrNdvb" name="Lloydsbank" alt="A hand holding a phone showing the Lloyds bank app" src="https://cdn.mos.cms.futurecdn.net/weqxs4JqZXFPLx3GbrNdvb-1920-80.jpg" mos="" align="middle" fullscreen="" width="2000" height="1125" attribution="" endorsement="" class="inline"></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Future / Lloyds)</span></figcaption></figure><p>A Lloyds Bank spokesperson has just sent me a statement on the issues it's experiencing this morning.</p><p>"Our app is online and customers can log in normally, though we understand some are having issues with certain online services this morning. We are aware of similar issues affecting other organisations and are monitoring the situation closely," they said.</p><p>That tallies with our experiences — my colleague Matthew Bolton, for example, says the Lloyds app is working for him, but is very slow. It's also telling that Lloyds says it's aware of "similar issues affecting other organisations", which could again point to that major Google Cloud outage being a potential cause.</p></div><div class="live-content"><time datetime="2026-10-20T10:20:49+00:00">October 20, 2026 – 6:20 AM</time><h2 id="the-case-for-google-cloud-grows">The case for Google Cloud grows</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1600px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="vTnXamJ2B3Zkz8Fb6C9mGX" name="GoogleCloud" alt="A Downdetector graph showing issues with Google Cloud" src="https://cdn.mos.cms.futurecdn.net/vTnXamJ2B3Zkz8Fb6C9mGX-1920-80.jpg" mos="" align="middle" fullscreen="" width="1600" height="900" attribution="" endorsement="" class="inline"></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Downdetector)</span></figcaption></figure><p>It's looking increasingly likely that Google Cloud is to blame for this morning's banking app issues.</p><p>The incident reported on <a href="https://status.cloud.google.com/incidents/Xs2XTHzAVC9YnafnPyzj" target="_blank">Google Cloud's service health page</a> is still ongoing, and we're <a href="https://www.techradar.com/pro/live/google-cloud-down-major-outage-across-europe-hits-big-brands-banking-apps-and-more">reporting live on that outage separately</a>.</p><p>While neither Revolut or Lloyds Bank have directly blamed Google Cloud for their issues today, their report graphs on Downdetector closely match those for Google's cloud infrastructure today (above).</p><p>This means both banking services could be somewhat reliant on Google Cloud fixing its issues in the "europe-west2 region" (which is based in London). Google's latest update at 10.24am BST says "our engineering team continues to investigate the issue", and that it'll provide another update at 12pm BST.</p></div><div class="live-content"><time datetime="2026-10-20T10:36:33+00:00">October 20, 2026 – 6:36 AM</time><h2 id="hsbc-and-rightmove-also-hit">HSBC and Rightmove also hit</h2><figure class="van-image-figure inline-layout" data-bordeaux-image-check ><div class='image-full-width-wrapper'><div class='image-widthsetter' style="max-width:1600px;"><p class="vanilla-image-block" style="padding-top:56.25%;"><img id="jCMSbA7pWdzFUhzuXhkByC" name="HSBCdown" alt="A Downdetector graph showing reported issues with HSBC" src="https://cdn.mos.cms.futurecdn.net/jCMSbA7pWdzFUhzuXhkByC-1920-80.jpg" mos="" align="middle" fullscreen="" width="1600" height="900" attribution="" endorsement="" class="inline"></p></div></div><figcaption itemprop="caption description" class=" inline-layout"><span class="credit" itemprop="copyrightHolder">(Image credit: Downdetector)</span></figcaption></figure><p>While Revolut and Lloyds Bank have the highest number of reported issues this morning on <a href="https://downdetector.co.uk/status/hsbc/" target="_blank">Downdetector</a>, they're far from alone — with HSBC and Rightmove also showing significant spikes.</p><p>Just over 400 users are reporting issues with the Rightmove app and also the paid Rightmove Plus service, while HSBC reports have dropped to just over 100 from an earlier high of 266 at 10.16am BST — but seem to be on the rise again.</p><p>While we still can't directly confirm all of this to today's Google Cloud incident or the problems affecting Revolut and Lloyds Bank, the simultaneous problems all point to a shared cloud infrastructure outage — and the only major one right now is with Google Cloud.</p></div><div class="live-content"><time datetime="2026-10-20T10:53:21+00:00">October 20, 2026 – 6:53 AM</time><h2 id="we-39-ve-hit-the-five-hour-mark">We've hit the five-hour mark</h2><div class="see-more see-more--clipped"><figure><blockquote class="twitter-tweet hawk-ignore" data-lang="en" cite="https://twitter.com/cantworkitout/status/2112474831782584545"><p lang="en" dir="ltr">@Revolut Guys yall can't even fix card payments for what... 3 hours now already? Wtf<a href="https://twitter.com/cantworkitout/status/2112474831782584545">October 20, 2026</a></p></blockquote></figure><div class="see-more__filter"></div></div><p>Frustration is growing with many Revolut and Lloyds Bank customers, who have now been without important banking services for several hours — and have, in some cases, been left stranded.</p><p>Some of the anecdotal reports include people who are <a href="https://x.com/Bgeorgeson1964/status/2112454486694436988" target="_blank">stuck at petrol stations</a> being unable to pay, someone who can't <a href="https://x.com/Auralfa1202/status/2112476595558695220" target="_blank">pay for their taxi </a>en route to an airport, and <a href="https://x.com/alexinexxx/status/2112456603198717968" target="_blank">another poor soul</a> who seemingly can't exit their train station in Japan.</p><p>The first reports started at 6.55am BST, so we're now approaching five hours with no fix in sight. And the frustration is partly stemming from the scale of outage, which is still hitting <a href="https://www.revolut.com/system-status/" target="_blank">most parts of Revolut's services</a> from the app to payments and transfers.</p><p>Revolut's latest statement continues to be the one it sent to us earlier and <a href="https://x.com/Revolut/status/2112452445028614323" target="_blank">also posted on X</a> at 8.54am.</p></div> </article> ]]>