Is your mobile bank? The problems of Lloyds, TSB, Nationwide, First Direct and Halifax reached thousands

Why does this happen?

This is not the first time in 2025 that the main banks of the United Kingdom have been beaten by cuts on the payment day: at the end of January, Lloyds Bank, Barclays and Halifax were affected by similar problems, which left many clients fighting on the day of payment.

So what is behind the problems? None of the affected banks have explained what is causing technical problems, but there are a couple of theories. One is simply that the banks of the banks cannot deal with the burst of transactions that enter and leave the accounts on the day of payment.

But as Bloomberg pointed out, financial expert Chris Skinner said that banks also find it “too difficult to keep up” with the rhythm of technological change.

Out of regulation and laws, the Skinner said banks have “such homicide of things that have to work” that “competence to keep up with these changes really challenges all banks.”

All of which is little comfort for those who have not been able to log in to their mobile bank application this morning or make a simple transfer. Fortunately, those problems now seem to be decreasing …

Nationwide says that ‘delayed’ payments

Not only have we seen problems with mobile banking applications this morning: the state of the Nationwide service says that “some incoming and outgoing payments are delayed at this time.”

If you have those premature problems on payment day, Nationwide says that you don’t need to do anything and that incoming or outgoing money is “in a tail and will arrive as soon as possible.”

It is added that direct addresses and permanent orders work well and that you can still move on and send money; You may not present immediately. He also recognized the problems in the publication in X (previously Twitter) below.

The good news? The peak in the descent reports (which reached a maximum of 830 reports to 7.46am GMT) has now decreased significantly, which suggests that the problems are already beginning to relieve. Phew…

Best news for the first direct customers

The great peak in the first direct problems, which reached its maximum point at 7.50 AM GMT, now fortunately it has collapsed, and that is because the bank has now been the first to confirm a complete solution for its problems.

In the publication in X (previously Twitter) below at 9.50 AM GMT, First Direct said that it should now be able to “make normal payments through mobile bank and online after a previous problem.”

I am with First Direct and I can confirm that everything seems to be working normally in the mobile application (which is always good news on the payment day). Hopefully the same can be said soon for the other banks affected by this morning’s interruptions.

Naturally, Halifax has similar problems

Halifax and Bank of Scotland are part of the Lloyds banking group, which means that everyone has been affected by similar technical problems.

Fortunately, the peaks in reported problems, which reached their maximum point at 8.10 AM GMT, seem to be downward, suggests that (hopefully) will be short term.

However, both Halifax and the Bank of Scotland have identical awards below at 9.36 AM GMT, which explains why it can still be experiencing residual problems such as not being able to log in to mobile applications or payments that do not show if it manages to log in.

Lloyds recognizes problems

Lloyds has been the worst affected by today’s mobile bank problems, at least with Downdector at least: there were more than 3,600 reports at 8.20 AM GMT, although this has collapsed fortunately.

When trying to log in to the application, part of the Techradar team went from a generic error message to an apology message to a wheel. Lloyds recognized continuous problems with the publication in X (previously Twitter) below at 9.37am GMT.

It is not a great morning for bank applications …

If you have problems with your mobile banking and Internet this morning, you are not alone. Downetector has shown great peaks of problems reported for Lloyds, Halifax, TSB, Nationwide, First Direct and the Bank of Scotland.

Most of the informed problems are related to mobile banking and the Internet, with a fight to log in to their accounts or get error messages when trying to transfer money. The problems vary slightly between banks, so we will deepen what each one says about their specific problems now.