Metro Bank suffered a major IT outage on the morning of October 7, 2025, starting at 6am, which disrupted inbound and outbound payments and caused account inaccuracies, including negative balances and duplicate charges.

The bank issued an apology and confirmed that the technical issues, which led to delays and incorrect balances, had been resolved, although some customers still experienced lingering problems.

Customers reported specific issues such as seeing negative balances, unauthorized overdrafts, and being unable to make essential payments like rent and travel.

A spike in outage reports was observed on the Down Detector website between 8am and 10am, with approximately 100 reports indicating widespread disruptions during that period.

The outage caused significant disruption across the banking sector, with reports of issues peaking in the morning hours, highlighting the widespread impact of the incident.

This incident is part of a broader pattern of IT failures affecting UK banks this year, with similar issues reported at NatWest, Santander, and Barclays, raising concerns about the reliability of banking systems.

Metro Bank emphasized that it was prioritizing fixing the problems and minimizing customer impact amid ongoing efforts to restore full service.