Revolut and Lloyds Bank are down for millions — here's all the latest on the outages

Revolut says Google Cloud is to blame

We've long suspected it was the case, but a Revolut spokesperson has just confirmed to us that Google Cloud is the cause of its banking issues today.

"We are currently experiencing a service disruption affecting multiple services due to a recent outage with Google Cloud. We can confirm that all our customers’ money and data are safe. We’ve been working to fix the issue since it was identified this morning and apologise to anyone affected and for any inconvenience caused," the spokesperson said.

On the plus side, the number of reports from Revolut customers on Downdetector has now dropped significantly to only around 200 — so it seems the end could finally be in sight for an outage that's lasted over ten hours.

An update from Lloyds

If you've been struggling with your Lloyds Bank services today, we have some positive news.

A spokesperson just told me: "We understand the root issues have been resolved, so we expect to all our services to be back to normal soon."

It's not looking quite as positive for Revolut customers though — it still hasn't posted any updates since its first one at 8.54am, which understandably hasn't gone down very well with those affected. I've asked Revolut if it has any more updates and will post them here as soon as I hear anything.

A 'power event' to blame?

The Google Cloud status page now says that "a power event caused an outage" in its europe-west2 region, which is based in London.

We still don't know for sure that it was the cause of today's Revolut and Lloyds Bank issues, but given the timing it certainly seems possible — and the good news is that the event has been "mitigated", with Google Cloud saying it's "seeing the recovery of services".

Google Cloud has "tentatively" promised that "full recovery of existing workloads" should be complete by 2pm BST — so if you're still struggling with your banking apps today, there is hope on the horizon.

Revolut reports remain high

While the likes of Lloyds Bank and HSBC have seen their number of reported issues on Downdetector drop significantly in the last two hours, Revolut has stayed pretty steady — which suggests that it continues to be the worst hit by today's cloud issues.

At 12.49pm BST, there were still almost 600 reports for Revolut — and its warning-splattered status page remains unchanged. Its engineers seemingly haven't yet been able to find a migration fix to get things working.

However, Google Cloud's status page has now "tentatively" promised that "full recovery of existing workloads should be completed" by 2pm BST, which could be promising news — assuming the two are related.

Revolut apologises

The Revolut Support account on X is working overtime to try and placate its many frustrated customers — but there's still no update on a fix for today's problems.

The latest updates from the account say "our team is working to restore service as soon as possible" and points people towards its system status page for more updates.

Right now, that page still looks identical to earlier, with a "partially unavailable" header and warning flags across most of its features, from card payments to ATM withdrawals.

Revolut appears to be the worst hit by today's issues — that could potentially be related to its deep "strategic partnership" with Google Cloud.

Another app bites the dust

The financial budgeting app, Emma, is also reporting being down today — and interestingly it directly blames the Google Cloud issues for the issues.

As far as I'm aware, none of the other banking services experiencing problems today have directly blamed Google Cloud, but Emma just has — and it's confirmed that "this is a technical outage, not a security issue".

We've hit the five-hour mark

Frustration is growing with many Revolut and Lloyds Bank customers, who have now been without important banking services for several hours — and have, in some cases, been left stranded.

Some of the anecdotal reports include people who are stuck at petrol stations being unable to pay, someone who can't pay for their taxi en route to an airport, and another poor soul who seemingly can't exit their train station in Japan.

The first reports started at 6.55am BST, so we're now approaching five hours with no fix in sight. And the frustration is partly stemming from the scale of outage, which is still hitting most parts of Revolut's services from the app to payments and transfers.

Revolut's latest statement continues to be the one it sent to us earlier and also posted on X at 8.54am.

HSBC and Rightmove also hit

While Revolut and Lloyds Bank have the highest number of reported issues this morning on Downdetector, they're far from alone — with HSBC and Rightmove also showing significant spikes.

Just over 400 users are reporting issues with the Rightmove app and also the paid Rightmove Plus service, while HSBC reports have dropped to just over 100 from an earlier high of 266 at 10.16am BST — but seem to be on the rise again.

While we still can't directly confirm all of this to today's Google Cloud incident or the problems affecting Revolut and Lloyds Bank, the simultaneous problems all point to a shared cloud infrastructure outage — and the only major one right now is with Google Cloud.

The case for Google Cloud grows

It's looking increasingly likely that Google Cloud is to blame for this morning's banking app issues.

The incident reported on Google Cloud's service health page is still ongoing, and we're reporting live on that outage separately.

While neither Revolut or Lloyds Bank have directly blamed Google Cloud for their issues today, their report graphs on Downdetector closely match those for Google's cloud infrastructure today (above).

This means both banking services could be somewhat reliant on Google Cloud fixing its issues in the "europe-west2 region" (which is based in London). Google's latest update at 10.24am BST says "our engineering team continues to investigate the issue", and that it'll provide another update at 12pm BST.

A statement from Lloyds Bank

A Lloyds Bank spokesperson has just sent me a statement on the issues it's experiencing this morning.

"Our app is online and customers can log in normally, though we understand some are having issues with certain online services this morning. We are aware of similar issues affecting other organisations and are monitoring the situation closely," they said.

That tallies with our experiences — my colleague Matthew Bolton, for example, says the Lloyds app is working for him, but is very slow. It's also telling that Lloyds says it's aware of "similar issues affecting other organisations", which could again point to that major Google Cloud outage being a potential cause.

Revolut confirms your money is safe

I've reached out to Revolut and Lloyds Bank this morning for their latest statements on this morning's banking problems. But if you're worried about your money in either bank, Revolut did post the message above earlier today at 8.54am BST.

It confirms the service disruption and says "we can confirm that all our customers’ money and data are safe". However, that's scant consolation to those who need to spend their money today – for example, the person who's reported being stuck in Japan train as they can't pay to get out.

Hopefully the "fix" that Revolut is working on will come soon, but reports on Downdetector are continuing to climb...

Is Google Cloud to blame?

While this is just speculation for now, the simultaneous issues affecting both Revolut and Lloyds Bank today point to a shared cloud infrastructure issue — and one of those is also hitting Google Cloud right now.

The Google Cloud status page reports that "Multiple services are experiencing issues in the europe-west2 region", which is located in London.

We don't yet know if there's a connection to the Revolut and Lloyds Bank issues, but that would explain why multiple UK services are experiencing issues right now. We've also seen spikes in reports for the likes of Royal Mail this morning, too.

Reports are on the rise

Reports on Downdetector peaked for Revolut at around 8.10am BST, but they seem to be on the rise again — and that's also the case for Lloyds Bank customers.

Most of the reports for Lloyds Bank are around 'login' issues, while for Revolut it's 'app' and 'funds transfer'.

I'm asking Revolut and Lloyds for an update on the issues, but Revolut's system status page says it's "currently experiencing an incident" that's affecting everything from sign-ins, card payments and topping up via bank card to ATM withdrawals.