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monzo goes down for thousands of users leaving them unable to use the app properly

Jan 23, 2026 Lifestyle views: 122

Thousands of Monzo users were unable to use the app properly (Picture: Thomas Fuller/SOPA Images/LightRocket via Getty Images)

Monzo,the online bank,went down for thousands of users,leaving them unable to use the app properly.

Messages on the banking app told users: ‘We’re experiencing issues,we’ll let you know when they’re resolved.’

It also stated that the ‘app will not be fully functional.’

During this time,users could still make payments and withdraw cash,check balances and transactions,view account details,freeze their card,transfer money,and contact the Monzo team.

On its status page,Monzo said that it had ‘spotted some platform issues’ which would be investigated.

It also previously noted a ‘degraded performance’ for the Monzo app,card payments,outbound bank transfers and inbound bank transfers.

The Monzo app displayed a message of ‘We’re experiencing issues’

The Monzo app stated that it ‘will not be fully functional’

The problems began just after 3pm and were spread across the country,according to the tracking website Down Detector.

One Monzo user told Metro: ‘You can’t do anything other than see how much money is in your pots.’

Another Monzo user commented on Down Detector: ‘Currently down,was able to transfer to and from pots but now that feature is down too.’

Other Monzo customers took to X to express their frustration with the issues.

One customer asked: ‘How long is this going to take? I have bills etc to pay for.’

Another customer posted: ‘Any time frame of when the issue is gonna be fixed? I need to go shopping.’

A Monzo spokesperson said: ‘Customers can now use the app as normal.

‘For a short period today,we activated Monzo Stand-in – our fully independent backup bank – while we investigated an issue.

‘Customers were always able to make payments with their card,withdraw cash,freeze their card and send and receive bank transfers.’

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