HALIFAX and Lloyds Bank have gone down leaving customers locked out of their online banking app.
Hundreds of customers have been affected by the shortage, according to Downdetector.
The majority of Lloyds customers are reporting issues with online banking and mobile banking.
Nearly 60% of Halifax customers are reporting issues with online banking.
There have been over 300 reports of issues with Halifax and nearly 500 with Lloyds.
Customers have taken to social media following the outage.
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One said: “Is anyone having trouble with [the] Halifax banking app?
“Haven’t been able to get on it since last night.”
Another said: “Not working for me, app or browser version.
“All my payees have disappeared.”
And one customer asked Lloyds and Halifax: “Are you having issues with your website, my online banking does not seem to be responding and timing out.”
A Lloyds spokesperson responded: “I’m sorry we’re not aware of any issues at the moment.
“Can you try closing the app down and relaunching before trying again?”
It comes after Halifax and Lloyds Bank went down for thousands of customers in March this year.
There were technical issues with online banking and apps.
Unlike telecoms companies, banks aren’t obliged to pay out compensation to customers if there’s been an outage or if they’ve experienced technical issues.
But you might be entitled to some money back depending on how much the disruption affected you as a consumer.
To make a claim, you have to present evidence of how the outage negatively affected you, including any extra costs incurred.
This might be because you were charged for making a late payment for example.
You should make a note of when you were unable to access the services and also the names of the people you spoke to at the company who suffered the outage.
You can find out more details about how to complain to Lloyds Bank, Halifax and Bank of Scotland on their websites.
If Halifax and Lloyds don’t resolve your complaint, you can take your case up with the Financial Ombudsman Service.
It is an independent body which will resolve any issues based on what it thinks is “fair and reasonable” depending on the circumstances of the case.
The service can resolve your issue over the phone, by email or post depending on what best suits you.
In the case of an IT system outage at a bank, the FOS says any compensation you may receive will be dependent on your circumstances and whether you lost any money as a result.
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If it finds the bank was at fault, you may see any fees, charges or fines reimbursed.
Halifax and Lloyds have been approached for a comment.
