Monzo customers were hit by a nearly four-and-a-half-hour app outage on Wednesday, affecting their ability to transfer money, make investments, and access in-app discounts.

Throughout the outage, which started just before 1pm and was resolved around 4.30pm, customers were shown a basic screen that displayed the user’s bank balance under the message “We’re experiencing issues – we’ll let you know when they're resolved”.

FStech independently confirmed that Monzo card payments still worked throughout the outage.

Monzo has approximately 15.2 million active customers, per the neobank’s 2026 financial report, and has become one of the UK’s most well-known neobanks alongside Starlink Bank and Revolut.

A Monzo spokesperson told FStech: “For a short period today, we activated Monzo Stand-in, our fully independent backup bank while we investigated an issue affecting customers.

“This technical issue has been resolved, and all of our services are now back up and running. We're sorry for any inconvenience and thank customers for their patience.”

Monzo’s primary cloud provider in the UK is Amazon Web Services. It runs Monzo Stand-in, its independent systems to safeguard basic banking processes such as card payments, receiving bank transfers, cash withdrawals, and freezing cards, on Google Cloud Platform.

Whereas Monzo’s primary platform runs around 3,000 services, Monzo Stand-in runs just 18 systems that run on entirely different code to make them as resilient as possible to whatever issue has affected the primary platform.

Monzo was last affected by outages on 28 July, in an incident which saw hundreds of customers for the bank as well as Barclays, Halifax, HSBC, and Lloyds report issues with making online payments and transfers.

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