Monzo has experienced a technical outage that left thousands of customers unable to fully access their accounts through its mobile banking app, with reports of issues beginning shortly after midday.Users attempting to log in were shown a message stating: "We're experiencing issues. We'll let you know when they're resolved." While account balances remained visible, several in-app features were temporarily unavailable, with many customers reporting difficulties sending bank transfers.According to outage tracking platform DownDetector, reports of problems surged just after 12:00 p.m., indicating a widespread disruption affecting Monzo users. A similar spike in outage reports was also recorded for Santander around the same time.Despite the disruption, Monzo said customers could continue using most essential banking services. Card payments, ATM withdrawals, balance checks, account information, card freezing, transfers, and moving money between accounts remained available, although balance and transaction updates could take longer than usual.A Monzo spokesperson confirmed the bank was working to restore normal service as quickly as possible."We're currently experiencing a technical issue and are working to resolve this as soon as possible. In the meantime, we've moved into our backup system, Monzo Stand-In, and customers can still do most things on their Monzo app, including sending bank transfers and making card payments and ATM withdrawals," the spokesperson said.The bank has not disclosed the cause of the incident, and work to fully restore all app functionality remains ongoing. NoYesDigital banking19 Aug, 2026