Lloyds, Halifax and Bank of Scotland apps down as customers unable to access cash

Lloyds, Halifax and Bank of Scotland customers are having trouble logging into their banking apps this morning.

Frustrated users of the three banks - which are all part of the same group - have taken to social media to complain about the issues, with some people saying their app keeps crashing.

The problems come on the last working day of the month, which is typically when people get paid. One person said: "Is your app down at this time. Keeps crashing out?"

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Another said: "App seems down. Mine will not even open this morning." A third person posted: "Having any issues with the app this morning? App closing down before any access."

A fourth commented: "Lloyds banking group apps down again. Seems like every payday!" It comes after news that UK homes are taking steps not seen for two years amid Rachel Reeves tax rise fears.

Follow our Lloyds, Halifax and Bank of Scotland apps down live blog for the latest updates

Lloyds has confirmed they are experiencing issues this morning in a reply to one customer. The bank said: "Some customers are having issues with our app right now. Bear with us as we fix this."

A spokesperson from Lloyds Banking Group said: “Our app is up and running, although we know it’s taking some customers a bit longer than usual to get logged on at the moment, and our advice is to wait a few extra moments or give logging on another try.”

Outage tracker DownDetector started recording issues at around 5am, with around 750 people reporting problems with Lloyds at 8am. DownDetector shows 450 complaints with Halifax, whole Bank of Scotland complaints appear to have peaked at 73 reports.

Your rights when banking apps go down

If your bank services have gone down, you aren't automatically entitled to any compensation - it instead depends on how badly the outage has affected you.

For example, if it made you miss a bill or some sort of payment. It also depends on how long the service disruption lasts for and how quickly the bank worked to resolve it.

You would need to put in a complaint if you've been left out of pocket. If you're considering making a complaint, you should gather evidence about how the service issues affected you and for how long.

For example, if it made you miss a bill or if affected your credit score. If you're in desperate need of access to your money but your online services are down, you can go to your local bank branch to withdraw your funds as normal.

If you don’t have a local bank branch nearby or you're unable to get there, try and call your bank or contact it on social media to ask what to do.