HSBC down: Thousands face mobile and online banking outages

November 24, 2023

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By Tom Gerken & Liv McMahon
Technology reporters

24 November 2023, 09:02 GMT

Updated 34 minutes ago

Image source, Getty Images

HSBC has apologised as thousands of UK customers have reported they are unable to access mobile and online banking.

Downdetector, which tracks websites, showed more than 4,100 people reported they could not access HSBC services.

The problem comes on Black Friday, a day when many will make purchases due to the discounts offered by retailers.

The bank said it was “really sorry for the inconvenience”, and told the BBC the disruption was due to “an internal system issue”.

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“It is impacting HSBC UK customers only – there is no impact to First Direct or M&S Bank customers,” it said, referring to other divisions of HSBC UK.

Marius Acsinte, 34, told the BBC his HSBC account was unavailable, causing him several problems.

“I’m not able to open the app to pay my rent due today,” he said.

“I was expecting the bank would send a message or an email explaining why, but instead I had to find out online.

“It doesn’t matter if it’s Black Friday tonight or not, I’m not able to use my money and nobody informed me about why that’s happening.”

Image caption,

Some customers attempting to access mobile banking are met with this screen

The exact number of people affected by the problems at the bank is unclear, because users must have a reason to check their online banking app to know if it is working.

HSBC has around 14.8 million customers across the UK. Though it is unknown how many of these customers use mobile and online banking, the firm estimates that nine out of 10 transactions at the bank are made digitally.

Frustrated customers

Users on X, formerly Twitter, responded to HSBC UK’s post on the platform with complaints – some saying they were unable to verify payments for Black Friday purchases or settle bills on payday.

Reports of the outage were first made at 07:00 GMT on Friday, according to Downdetector, with thousands of reports coming in by 08:00.

However, the bank did not update its service status page, which provides information about the availability of digital services like online, mobile and phone banking, until around 11:00 – something which also annoyed customers.

“It’s the lack of communication from the start of the issue that’s most worrying. You haven’t even updated your own service website. I’ll definitely be moving some of my funds due to the poor communication,” wrote one person.

Sam Richardson, deputy editor of Which? Money, said the outage would cause “a real headache” for customers.

“We strongly advise customers that have been left out of pocket to keep evidence of extra expenses they may have incurred as a result of the outage, so they can be claimed back from HSBC,” he said.

“People want a bank they can depend on, and if IT outages become a regular occurrence, consumers could be tempted to vote with their feet and switch to an alternative provider – particularly with a lot of tempting switching incentives on offer at the moment.”

Additional reporting by Osob Elmi.

How have you been affected by HSBC mobile banking going down? Tell us your story by emailing: haveyoursay@bbc.co.uk.

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