HSBC App Outage Causes Panic on Payday

HSBC’s mobile banking app is currently experiencing an outage, leaving thousands of users unable to access their accounts.

Customers reported seeing error messages, including the code “err03,” while others were simply told to try again later.

According to outage tracker DownDetector, complaints began to surge around 11:30 a.m., with more than 4,700 reports logged. HSBC’s sister bank, First Direct, is also experiencing issues but on a smaller scale.

The outage appears to be nationwide. HSBC has acknowledged the problem but has not provided an estimated time for resolution. In a post on X (formerly Twitter), the bank said:

“We understand some customers are having issues accessing banking services right now. We’re really sorry and are investigating as a matter of urgency. We will share an update as soon as possible.”

The bank also updated its service status page, stating:

“We're sorry that some customers are having trouble using mobile banking, we're working hard to investigate and get this fixed.”

Other services, according to the page, remain unaffected.

Customers who need immediate access to their accounts have been advised to call the bank’s customer service helpline. In-person withdrawals are still possible at local branches.

The outage has sparked frustration on social media. One user wrote:

“Absolutely shocking that the app is still down. I’ve got wages coming in tomorrow and need access so I can pay for my bus fare for work. Sort it out!”

Another commented:

“Mine’s still down. Been like this all day. I don’t dare spend anything because I can’t see what’s pending. So frustrating.”

A third added:

“HSBC being down the day before payday—I smell another compensation payout coming.”

Compensation is not guaranteed for service disruptions. However, customers may be eligible for reimbursement if the outage caused financial loss, such as missed bill payments or a negative credit impact. Claims require evidence and a formal complaint.

If you urgently need cash, visiting a local branch is the quickest option. If that’s not possible, calling the bank or reaching out on social media for guidance is recommended.